Everything You Need to Know about Auto Insurance in Chicago

Illinois is a state that doesn’t mess around when it comes to auto insurance. Any driver who is found to be operating their car without insurance will have their license plates suspended immediately. Once you provide proof of car insurance and pay about $1,000 in fees, you can then have your license plates reinstated. To avoid that situation and worse situations that may arise from driving without insurance, it is best to invest in auto insurance. This article is going to teach Chicago drivers everything they need to know about auto insurance in the Windy City.

Background Information

One of the negatives of living in a city is that car insurance is very expensive. Luckily, Chicago has very affordable auto insurance rates for a city of its size. The average premium in Chicago currently sits at about $1,300, which is below the national average, and down from the $1,800 it was at five year ago. The cost of your policy will depend on your age, gender, driving experience, marital status, driving record, type of vehicle, and the kind of coverage that you receive.


In Chicago, Illinois, there are certain types of coverage that you are legally required to have. All drivers must have insurance that covers bodily injury, property damage, and uninsured motorist accidents.

The city of Chicago does not require that you have physical damage coverage, but this kind of coverage is often the most important part of an insurance policy. It covers damages to your car from accidents and things like theft, hail, and fire. Other optional coverage in Chicago includes medical payments, towing, accidental death benefit, and rental reimbursement.

Qualifications and Discounts

An unflattering driving record or the type of vehicle that you drive may make it difficult to find an auto insurance policy. If you have a valid driver’s license, a vehicle that is safe to drive, no debt from any premiums in the past three years, and still have been turned down by auto insurance companies, then you qualify for the Illinois Automobile Insurance Plan. This plan is more expensive than most, but after a few years of good driving on this plan, you will without a doubt be able to find a plan with a standard company.

There are many discounts that you may be eligible for when buying car insurance. If your car has anti-theft and safety devices or a low annual mileage, then the cost of your insurance may go down. This can also happen if you have a good driving record, pass a state approved defense driving class, or you use the same car insurance company to insure multiple cars and or your home.

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