How to get an insurance identification card. Send us your receipts, photos, invoices and more with the push of a button. Illinois residents, especially those who live in more expensive areas such as the Chicago metropolitan area, may want to invest some time and effort to save on car insurance. Digital insurance cards are considered legally acceptable proof of insurance for a traffic stop anywhere except New Mexico.
If your card is missing or contains errors and you can't present proof of insurance during a traffic stop, you'll likely be fined for driving without insurance. Generally, you'll be asked for your car insurance card or other proof of insurance in several common driving situations. The table below shows the average increase per driving incident compared to the average annual cost of car insurance in Illinois. Most insurers also allow you to get a digital car insurance card as proof of insurance on your phone through their website or mobile app.
With great credit, you could save about 14 percent compared to the average cost of car insurance in Illinois. The proof of insurance generally looks like a small card with a set of information that includes the policy number, the term of the policy, the name of the driver, and the name of the insurer. If you lease your car or are paying off a loan, your lender or dealer will likely require you to have car insurance with full coverage. You can't effectively compare prices or policies until you have an idea of the car insurance you need.
However, the amount you pay for car insurance may differ from the average, since your rates are calculated based on factors such as your zip code and driving history. You can show proof of car insurance with a physical or digital car insurance card in every state, except New Mexico, where a physical version is required. However, insuring a BMW 330i could mean paying much more than the average cost of car insurance in Illinois. It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance.
If you lose your insurance card or realize that the information is incorrect, contact your insurer immediately for a replacement.