{"id":987,"date":"2024-02-27T14:46:05","date_gmt":"2024-02-27T14:46:05","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=987"},"modified":"2024-04-30T15:01:46","modified_gmt":"2024-04-30T15:01:46","slug":"illinois","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/illinois\/","title":{"rendered":"Cheap Car Insurance in Illinois"},"content":{"rendered":"<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n\n<!-- id=\"general_text-block_95bb646853b6b81a92e1cf8f069b0dcc\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Everything You Need to Know About Auto Insurance in Illinois<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>The people of Illinois have a reputation for friendliness towards visitors and new residents. Nicknamed the Prairie State for being mostly flat, there are still plenty of adventures in places like Anderson Gardens or, for the more rugged, an outdoor quest to Starved Rock State Park or Shawnee National Forest.<\/p>\n<p>Foodies and others so inclined will be on the hunt for some famous Chicago deep-dish pizza or maybe a Chicago-style hot dog, while others can sample a pumpkin dish made from locally sourced gourds. History buffs will want to visit Lincoln\u2019s Tomb or stop and read a memorial to Wild Bill Hickok in Grove.<\/p>\n<p>There are plenty of lakes in the Land of Lincoln and one of the most iconic music festivals in the three-day long Lollapalloza. If you are heading out to explore Illinois or attend a famous music festival, be sure you have <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/\">car insurance<\/a>, because it is required.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_c28546673bfa1663163fc9369ef6e0cd\" -->\n            <h2 class=\"c-section__title c-section__title--left\">How Much Does Car Insurance in Illinois Cost?\u00a0<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Illinois drivers enjoy less expensive auto insurance prices on average than many drivers across the nation. The state\u2019s minimum required liability comes in at $552 annually, which compares favorably to the national average of $622. For full coverage, Illinois drivers pay on average $1,806 annually, which compares to $2,014 for the national average.<\/p>\n<p>Insurance is less expensive in Illinois due to a lower number of accidents, lower repair costs and more insured motorists on the roads. So, you can thank your neighbors for driving safely.<\/p>\n    <\/div>\n    \n\n        <div class=\"o-component c-quote-callout\"  id=\"general-quote-callout-block_7401595df2e337b1f11b25ce3a07146b\"\n            >\n            <picture class=\"c-quote-callout__pic\">\n                                    <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Desktop-07-2.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Desktop-07@2x-2.webp\">\n                                                    <img decoding=\"async\" loading=\"lazy\" class=\"sp-no-webp c-quote-callout__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Mobile-07-2.webp\"\n                    alt=\"\" aria-hidden=\"true\"\n                    srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Mobile-07@2x-2.webp 2x\"\n                    width=\"320\" height=\"192\">\n                            <\/picture>\n            <div class=\"c-quote-callout__content\">\n                <h2 class=\"c-quote-callout__title\">Ready to Get a Quick Quote? <\/h2>\n                <form class=\"c-quote-callout-form js-form form ajax-quote-form-new\" method=\"GET\"\n                    action=\"https:\/\/www.acceptanceinsurance.com\/process-rater\/\">\n\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--select\">\n                        <label class=\"c-quote-callout-form__label\"\n                            for=\"typeOfInsurance\">Type of Insurance<\/label>\n\n                        <select class=\"c-quote-callout-form__select\" id=\"typeOfInsurance\" name=\"type_insurance\">\n                                                                                                                <option value=\"A\" >\n                                Auto Insurance<\/option>\n                                                                                    <option value=\"BT\" >\n                                Boat Insurance<\/option>\n                                                                                    <option value=\"B\" >\n                                Business Insurance<\/option>\n                                                                                    <option value=\"CI\" >\n                                Commercial Auto Insurance<\/option>\n                                                                                    <option value=\"H\" >\n                                Homeowners Insurance<\/option>\n                                                                                    <option value=\"L\" >\n                                Life Insurance<\/option>\n                                                                                    <option value=\"MAI\" >\n                                Mexican Car Insurance<\/option>\n                                                                                    <option value=\"M\" >\n                                Motorcycle Insurance<\/option>\n                                                                                    <option value=\"MRH\" >\n                                Motorhome and RV Insurance<\/option>\n                                                                                    <option value=\"PET\" >\n                                Pet Insurance<\/option>\n                                                                                    <option value=\"R\" >\n                                Renters Insurance<\/option>\n                                                                                    <option value=\"RA\" >\n                                Roadside Assistance<\/option>\n                                                                                    <option value=\"SR\" >\n                                SR-22 Auto Insurance<\/option>\n                                                                                    <option value=\"TM\" >\n                                Telemedicine<\/option>\n                                                                                    <option value=\"HI\" >\n                                Travel Club &#8211; Hospital Indemnity<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--zipcode\">\n                        <label class=\"c-quote-callout-form__label\" for=\"zip\">Zip Code<\/label>\n                        <input class=\"c-quote-callout-form__input  js-floting-input js-valid-numbers js-valid-zipcode\"\n                            id=\"zip\" type=\"text\" required inputmode=\"numeric\" autocomplete=\"postal-code\" name=\"zipcode\"\n                            maxlength=\"5\" minlength=\"3\">\n                    <\/div>\n                    <div class=\"c-quote-callout-form__controls\">\n                        <button class=\"c-button c-button--orange c-quote-callout-form__submit\"\n                            type=\"submit\">Start My Quote                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/themes\/acceptance\/assets\/images\/components\/inputs\/loading.svg\"\n                                alt=\"Loading\" width=\"30\" height=\"30\">\n                        <\/button>\n                    <\/div>\n                <\/form>\n            <\/div>\n        <\/div>\n        \n\n<!-- id=\"general_text-block_7eea8d0d3492df655fcd229a16682a88\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>What Is the Average Premium for Cheap Full Coverage Car Insurance in IL?<\/h3>\n<p>Full coverage in Illinois comes in at $150 monthly on average. Full coverage includes liability, collision and comprehensive. Those who are purchasing a vehicle through a lender are usually required to have full coverage.<\/p>\n<p>This is because there is no other insurance coverage that will fix (or replace) your car after a wreck, even if you are at fault. GAP coverage will pay the difference between what is owed on your loan and the value of the car and New Car insurance will replace your vehicle with a similar make and model, but these add-ons are for new cars.<\/p>\n<p>Full coverage is the cheapest option to repair or replace a vehicle, no matter the age and value. Both collision and comprehensive have a deductible and you can purchase either one separately if you wish.<\/p>\n<p>Collision is at it sounds: Your insurance company will repair or replace your vehicle after a collision, even if you are at fault. <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/what-does-comprehensive-coverage-cover\/\">What you need to know about comprehensive coverage<\/a> is that it covers things that happen when you are not behind the wheel, such as storm damage or theft. The exception to this is if you hit an animal. That damage is covered under a comprehensive policy.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_638609ed5adb31daf44aa5df1231b487\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>How Much Does Liability Insurance or Minimum Required Auto Coverage Cost in IL?<\/h3>\n<p>The most basic required insurance is liability, which consists of bodily injury\/death and property damage. The average cost is $46 monthly. As Illinois is an at-fault state, your liability is intended to pay for injuries and damages you cause. It will never pay for your own injuries and damages and anything that is not covered due to your policy limits will come out of your own pocket.<\/p>\n<p>For example, if you cause an accident and someone is grievously injured, your bodily injury liability will kick in to help pay for their costs \u2013 up to your policy limits. Anything over that amount can subject you to a lawsuit for the rest, meaning your assets can be seized. <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/cheap-liability-coverage-options\/\">Liability insurance is a cheaper car insurance option<\/a>, but it comes with risks.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_bce53985f6a3182221dc8ab53d6748c5\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>How do Insurance Rates Compare Across Illinois\u2019 Major Cities<\/h3>\n<p>Where you live is a major factor insurer\u2019s use to determine your rates. Those who drive in congested cities may face a higher premium than those who drive on rural roads. Is vehicle crime high in your area? That can impact your rates, as well. Here are some Illinois cities to compare:<\/p>\n    <\/div>\n    \n\n<div id=\"general-expandable-table-block_3199732031e9b195bcfa5e1472cb4cd8\" class=\"o-component c-simple-table js-simple-table js-expandable-content\">\n    <div class=\"c-simple-table__indicator js-simple-table-indicator\">Scroll for more <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/themes\/acceptance\/assets\/images\/icons\/icons.svg#icon-scroll\"><\/use><\/svg><\/span>\n    <\/div>\n    <div class=\"c-simple-table__content\">\n                    <table class=\"c-simple-table__table\">\n                                    <tr>\n                                                    <th>City<\/th>\n                                                    <th>Full Coverage Insurance<\/th>\n                                                    <th>Liability&nbsp; Insurance Coverage<\/th>\n                                            <\/tr>\n                                                                                            <tr>\n                                                                        <td>Chicago<\/td>\n                                                    <td>$151<\/td>\n                                                    <td>$49<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Peoria<\/td>\n                                                    <td>$127<\/td>\n                                                    <td>$41<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Springfield<\/td>\n                                                    <td>$128<\/td>\n                                                    <td>$40<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Rockford<\/td>\n                                                    <td>$128<\/td>\n                                                    <td>$40<\/td>\n                                            <\/tr>\n                                                <\/table>\n            <\/div>\n    <\/div>\n\n<!-- id=\"general_text-block_bffcc8094d02bbec05a8963f0bcf1c5c\" -->\n        <div class=\"o-component s-cms-content\">\n        <p style=\"text-align: left\"><em>Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Illinois. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.<\/em><\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_d1a47a25473facd7254bb13e8bdddc87\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>What are Some Car Insurance Discounts in Illinois?<\/h3>\n<p>You cannot control some of the factors that influence your rate, such as gender and age, but you can find lower prices by applying discounts. The good news is most insurers offer a variety of them. Here are a few popular insurance discounts.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component\" id=\"list-with-icons-block_73ef246724b170bc7877766221cdcf61\">\n    <div class=\"o-component c-icons-list\">\n                    <ul class=\"o-list-bare c-icons-list__list\">\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-good-driver.svg\" alt=\"\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <strong>Good driver:<\/strong> Probably the highest discount \u2013 up to 25% off in some cases \u2013 is reserved for those who maintain a good driving record.                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-liability.svg\" alt=\"Liability (Child)\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <strong>Multi-policy:<\/strong> The next biggest discount is reserved for those who bundle two or more policies, such as auto and <a href=\"https:\/\/www.acceptanceinsurance.com\/\">home insurance<\/a>, under the same company.                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-low-mileage-discount.svg\" alt=\"\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <strong>Low mileage:<\/strong> Perfect for retirees and those who work from home, the low mileage discount rewards those who drive less annually.                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-automated-payments.svg\" alt=\"\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <strong>Automated payments:<\/strong> You\u2019ll save your insurer administrative costs with an automated bank withdrawal, and they are usually happy to pass the savings along.                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-customer-loyalty.svg\" alt=\"\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <strong>Customer loyalty:<\/strong> Time to renew with the same company? They\u2019ll most likely be happy to reward you with a discount.                        <\/div>\n                    <\/li>\n                            <\/ul>\n            <\/div>\n<\/div>\n\n<!-- id=\"general_text-block_017d0e09e38de1d77d38ae81d8806547\" -->\n        <div class=\"o-component s-cms-content\">\n        <p style=\"text-align: left\">These are just a few examples of auto coverage discounts in Illinois. Ask your neighborhood agent for details anytime you renew or your circumstances change.<\/p>\n    <\/div>\n    \n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class = \"c-section c-section--bg-blue-light\">\n    <div class = \"o-wrapper o-wrapper--small\">\n         \n            <h2 class=\"c-section__title c-section__title--left\">Types of Auto Insurance Coverage<\/h2>\n                            <div class=\"c-icons-grid\">\n                <ul class=\"o-list-bare c-icons-grid__list\">\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-bad-credit-auto.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-bad-credit-auto.svg 2x\">\n                                <img decoding=\"async\" class=\"sp-no-webp c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/bad-credit-auto-insurance\/\">Bad Credit<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-high-risk.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-high-risk.svg 2x\">\n                                <img decoding=\"async\" class=\"sp-no-webp c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/high-risk-auto-insurance\/\">High Risk<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/4307059_coverage_health_healthcare_insurance_life_icon-1.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/4307059_coverage_health_healthcare_insurance_life_icon-1.svg 2x\">\n                                <img decoding=\"async\" class=\"sp-no-webp c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/liability-auto-insurance\/\">Liability<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-non-owner-auto.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-non-owner-auto.svg 2x\">\n                                <img decoding=\"async\" class=\"sp-no-webp c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/non-owner-auto-insurance\/\">Non-Owner<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-non-standard.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-non-standard.svg 2x\">\n                                <img decoding=\"async\" class=\"sp-no-webp c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/non-standard-auto-insurance\/\">Non-Standard<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-senior-auto.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-senior-auto.svg 2x\">\n                                <img decoding=\"async\" class=\"sp-no-webp c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/senior-auto-insurance\/\">Senior<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/SR-22.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/SR-22.svg 2x\">\n                                <img decoding=\"async\" class=\"sp-no-webp c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/sr-22-auto-insurance\/\">SR-22<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-teenager-auto.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-teenager-auto.svg 2x\">\n                                <img decoding=\"async\" class=\"sp-no-webp c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/teenager-auto-insurance\/\">Teenager<\/a><\/span>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n            <\/div>\n<\/div>\n\n<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n\n<!-- id=\"general_text-block_79af574f4868a81a34c9b75b7d163391\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Illinois Car Insurance Laws<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Illinois is an at-fault state. Your required liability insurance is intended to help pay for damages and injuries you cause on the roads. It is not intended to pay for your own damages and injuries.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_a2cb0f8ce3b72e125dbc63e652b29a0b\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>What are Mandatory Vehicle Insurance Requirements in Illinois?<\/h3>\n<p>Mandatory car insurance requirements in Illinois include:<\/p>\n<ul>\n<li>Bodily Injury Coverage per Person: $25,000<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Bodily Injury Coverage per Accident: $50,000<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Property Damage Per Accident: $25,000<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Uninsured Motorist Bodily Injury Coverage: $25,000\/$50,000 per person\/accident<\/li>\n<\/ul>\n<p>In addition to bodily injury and property damage liability, Illinois also requires drivers to carry uninsured motorist bodily injury coverage (UM) in the above amounts. You may also be required to purchase underinsured motorist coverage (UIM) if you purchase higher than required limits of UM. Your Acceptance agent can help you make sure you have the right amount of coverage.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/auto-insurance-faq\/\" class=\"o-component c-icon-callout c-icon-callout--green\" id=\"product-callout-block_44e725f3720babd5cea0fe6b28a73bed\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/Group-625575.svg\" alt=\"\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Car Insurance FAQs<\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <p>Get answers to common insurance questions<\/p>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n<!-- id=\"general_text-block_89275165fd3dd1bba0719b45bddbc38e\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>What Happens if You are Caught Driving Without Insurance in Il?<\/h3>\n<p>You\u2019ll be spending some money and time trying to sort it out. Your insurance company is required to report to the state if your coverage lapses.<\/p>\n<ul>\n<li>If you are pulled over or, worse, get in a wreck and you do not have coverage, you can expect fines of between $500 to $1,000.<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Your license may be suspended, and you\u2019ll have to come up with a $100 fee to have it reinstated.<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Driving without insurance is one of the <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/why-someone-needs-sr22-insurance\/\">reasons why SR-22 insurance is needed<\/a>. If you are required to file an SR-22 certificate, it identifies you as a high-risk driver, meaning your rates could increase.<\/li>\n<\/ul>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_e9de3f2f0461b5742b10138dfd485416\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>What Factors Does Illinois Law Allow in Determining Your Insurance Premiums?<\/h3>\n<p>If you are curious about how an insurance company comes up with your cost, it depends on a variety of individual factors. Agencies employ underwriters who run many different characteristics through an algorithm to come up with a proposed policy cost. Some of these factors you have no control over and some you have a great deal of control over.<\/p>\n<p>Some common factors insurers look at include:<\/p>\n<ul>\n<li>Driving record<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Claims history<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Credit Score<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Location<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Type of Vehicle<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Age<!-- \/wp:list-item --> <!-- wp:list-item --><\/li>\n<li>Gender<\/li>\n<\/ul>\n<p>There are many more, which is what makes your policy specific to you. At Acceptance, our friendly, local agents have years of experience helping you make the most of your positive factors while finding ways to save money on others, such as a spotty driving record.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_66b3182d8355632202484bbf5c414d17\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>Am I Required to Report an Accident in Illinois to Authorities?<\/h3>\n<p style=\"text-align: left\">Drivers in Illinois must file a report if a crash includes a death or bodily injury or more than $1,500 in property damage. If any driver is uninsured, the crash must be reported if property damage is equal to or greater than $500. It is no longer necessary to file a written report in Illinois after a crash, however in the event of a single-vehicle accident with no injuries, drivers can report the crash online, rather than alert authorities. Also, keep in mind you may need a police report in the event of a crash to prove who caused the accident.<\/p>\n    <\/div>\n    \n\n<div class=\"c-section\" id=\"home-location-callout-block_d79fed9db05c98ab8d56aa3e94e9145b\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-location-callout\">\n                            <img decoding=\"async\" class=\"c-location-callout__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-corporate-headquarters.svg\" alt=\"Corporate Headquarters\" aria-hidden=\"true\" width=\"104\" height=\"120\" loading=\"lazy\">\n                        <div class=\"c-section__title c-section__title--big c-section__title--left c-section__title--green\">Looking for a Local Office?  Find an Office Near You<\/div>\n            <div class=\"c-button__wrapper c-button__wrapper--center\">\n                <a class=\"c-button c-button--linear-green\" href=\"https:\/\/locations.acceptanceinsurance.com\/\">Find a Location<\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<!-- id=\"general_text-block_1125e83543257941603f6a4e5ca379a2\" -->\n            <h2 class=\"c-section__title c-section__title--left\">What is Driving in Illinois Like?<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>In some parts of Illinois, weather can play a part in road safety, with heavy snow, blizzards and extreme low temperatures causing havoc.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_4874f36747c4fc8a4f4f101b4727e3eb\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>How Many Car Accidents Happen in Illinois?<\/h3>\n<p>In 2023, there were 1,170 fatal crashes with 1,270 people killed in Illinois. A total of 204 pedestrians were killed, along with 160 motorcyclists.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_132742fc1cf46229dbbbe4b37e498903\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>How Many Drivers are Uninsured\/Underinsured Motorists in Illinois?<\/h3>\n<p>In 2019, Illinois ranked at 24 out of 50 states for uninsured motorists. Landing solidly in the middle is good, but it illustrates why state decision makers feel every driver should carry protection in the form of uninsured motorist coverage.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.acceptanceinsurance.com\/insurance-glossary\/\" class=\"o-component c-icon-callout c-icon-callout--blue\" id=\"product-callout-block_de3f3d84795d3d06e0f2ca4c67681554\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-glossary.svg\" alt=\"\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Car Insurance Glossary<\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <p>Lean more about terms and definitions that are commonly used in insurance.<\/p>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n<div class=\"c-section\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-section__content\">\n            <div class=\"c-faqs-wrapper\">\n                <div class=\"c-faqs-categories\">\n                    <div class=\"c-faqs-categories__wrapper\"  role=\"navigation\">\n                        <h2 class=\"c-faqs-categories__title\" id=\"faqsCategoriesTitle\">Topic Categories<\/h2>\n                        <ul class=\"o-list-bare c-faqs-categories__list\">\n                                                            <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/auto-insurance-faq\/\" aria-current=\"page\">Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/motorcycle-insurance\/motorcycle-insurance-faq\/\" aria-current=\"page\">Motorcycle Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/life-insurance\/life-insurance-faq\/\" aria-current=\"page\">Life Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/renters-insurance\/renters-insurance-faq\/\" aria-current=\"page\">Renters Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/homeowners-insurance\/homeowners-insurance-faq\/\" aria-current=\"page\">Homeowners Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/hospital-indemnity-protection\/hospital-indemnity-protection-faq\/\" aria-current=\"page\">Hospital Indemnity Protection<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/telemed\/telemed-faq\/\" aria-current=\"page\">Telemedicine<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/pet-insurance\/pet-insurance-faq\/\" aria-current=\"page\">Pet Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/mexican-car-insurance\/travel-faq\/\" aria-current=\"page\">Mexican Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/boat-insurance\/boat-insurance-faqs\/\" aria-current=\"page\">Boat Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/business-insurance\/business-insurance-faq\/\" aria-current=\"page\">Business Insurance<\/a>\n                                    <\/li>\n                                                        <\/ul>\n                    <\/div>\n                <\/div>\n                <div class=\"c-faqs\" id=\"faq-list-block_83e02972bd72b692d4c1f9a778272f1e\">\n                    <h2 class=\"c-faqs__title c-section__title c-section__title--left c-section__title--blue c-section__title--with-img\">\n                                                    <img decoding=\"async\" class=\"c-section__title-img\" loading=\"lazy\" alt=\"\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-auto-insurance-1.svg\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\">\n                                                FAQs About Illinois Car Insurance \n                    <\/h2>\n                    <div class=\"c-faqs__questions\">\n                                                                                                                <div class=\"c-faqs-index\">\n                                    <h3 class=\"c-faqs-index__title\"><\/h3>\n                                                                            <ul class=\"o-list-bare c-faqs-index__list\">\n                                            \n                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question1\">I am a Low-Income Driver. How Can I Find the Cheapest Car Insurance in Illinois?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question2\">Can an Undocumented Worker Get Auto Coverage in Illinois?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question3\">Is It Possible to Get Car Insurance in Illinois with a DUI on my Record?<\/a>\n                                                <\/li>\n                                                                                                                                    <\/ul>\n                                                                    <\/div>\n                                                        <div class=\"c-faqs-answers\">\n                                                                                                    <div class=\"c-faqs-answers__sub-category\">\n                                        <h4 class=\"c-faqs-answers__title\"><\/h4>\n                                        \n                                            \n                                                                                    <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question1\">I am a Low-Income Driver. How Can I Find the Cheapest Car Insurance in Illinois?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>The good news is you are in a state that offers low insurance rates. If you are having trouble affording your policy, ask your agent for help. Choosing a higher deductible and lower limits is one way to get a cheap policy in Illinois. You may also qualify for discounts.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question2\">Can an Undocumented Worker Get Auto Coverage in Illinois?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Yes, undocumented workers may obtain a temporary driver\u2019s license, valid for three years, that will allow them to purchase car insurance in Illinois.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question3\">Is It Possible to Get Car Insurance in Illinois with a DUI on my Record?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Yes. Finding affordable car insurance in Illinois after a DUI is possible, but you may need to shop around. Many insurers specialize in offering coverage called <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/dui-insurance\/\">DUI Insurance<\/a> to high-risk drivers.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                            \n                                    <\/div>\n                                                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"general-mb-block-image-left-block_490e2c22cadb78d9e0ef0ad0b3635c8b\" class=\"c-section c-section--bg-blue-light\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n            <div class=\"o-component c-media-block\">\n                <div class=\"c-media-block__item\">\n                    <picture class=\"c-media-block__pic\">\n                                                    <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/gettyimages-185005947-2048x2048-9.webp, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/gettyimages-185005947-2048x2048-9@2x.webp 2x\" type=\"image\/webp\">\n                            <img decoding=\"async\" class=\"sp-no-webp c-media-block__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/gettyimages-185005947-2048x2048-9.webp\" alt=\"\" width=\"320\" height=\"200\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/gettyimages-185005947-2048x2048-9@2x.webp 2x\">\n                                            <\/picture>\n                <\/div>\n                <div class=\"c-media-block__item\">\n                                        <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Find Low-Cost Auto Insurance in Illinois Today!<\/h2>\n                                                                <div class=\"s-cms-content s-cms-content--big\">\n                            <p>Our local agents at Acceptance Insurance understand Illinois car insurance laws and requirements. Our friendly team can help you find a customized, flexible policy that meets your needs \u2013 and your budget. Give us a call at <strong><a href=\"tel:1-800-321-0899\">800-321-0899<\/a><\/strong>, check us out <a href=\"#modal-turbo\"><strong>online<\/strong><\/a> for a quick quote or stop by one of our local Illinois <a href=\"https:\/\/locations.acceptanceinsurance.com\/\"><strong>offices<\/strong><\/a>.<\/p>\n                                                            <a class=\"c-button c-button--orange\" href=\"#modal-turbo\">\n                                                                Get Started                            <\/a>\n                                                    <\/div>\n                                    <\/div>\n                \n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":1822,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/987"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/comments?post=987"}],"version-history":[{"count":69,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/987\/revisions"}],"predecessor-version":[{"id":6690,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/987\/revisions\/6690"}],"up":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1822"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/media?parent=987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}