With Illinois Car Insurance Calculator, getting the most from your auto insurance policy is effortless. We take into account your car, age and driving record to find you the most competitive rate possible. Plus, get personalized quotes and coverage recommendations tailored specifically for you – use this calculator now to explore all your options and start saving money today!
What Factors Influence Car Insurance Costs in Illinois?
Car insurance rates are determined by a variety of factors, such as your marital status, driving history, credit score and age. Your residence also plays a role in how much you pay for coverage – living in rural areas may result in lower premiums than those experienced by city dwellers.
Maintaining a High Credit Score Can Lower Insurance Costs by 2.1x
A high credit score is one of the most important steps you can take to protect yourself and your family financially in case of an accident. In Illinois, drivers with scores above 780 typically pay less for car insurance than those below 600.
Drivers with a recent driving violation are more likely to face higher premiums than those without any tickets on their record. A DUI conviction, for instance, can increase car insurance rates by 68% across some of the most popular companies in California.
The amount of coverage you select can influence the cost of your policy. Liability coverage for injuries and property damage caused in a crash is mandatory, but you may opt for additional protection such as comprehensive or collision coverage.
GEICO provides affordable Illinois car insurance with a selection of coverages to suit your needs. Plus, you can add extra protection in the form of roadside assistance and rental car reimbursement if desired.
Add medical payments coverage to your policy for added protection in the event of an accident. Moreover, uninsured/underinsured motorist coverage helps cover damages caused by motorists with no or inadequate insurance.
Finding the Right Auto Insurance for You
Selecting an Illinois car insurance company can be daunting due to so many options. To make it simpler, compare quotes from several companies and pick one that best meets your budget and needs.
When selecting car insurance companies, look for those with excellent customer ratings. This way, you can evaluate the pros and cons and make an informed decision when renewing or purchasing a policy.
Under Illinois’ mandatory insurance law, drivers are required to carry their card at all times and present it to law enforcement officers upon request. Failure to carry insurance may result in fines or suspension of your license.