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Illinois Car Insurance Resources

Illinois Car Insurance

Car Insurance Rates in IL

^ From 2006 to 2010, Illinois cities had the 26th highest auto insurance rates in the nation. [2]

Car Insurance in IL by City

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Cars Insured in IL

^ Illinois ranked 7th of all U.S. states in total auto insurance policies in 2011. [1]

IL Car Insurance

Car Insurance in Illinois

Car Insurance Liability Requirements in Illinois

  • Minimum Liability Limits in IL: 20/40/15 [4]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Illinois

Required Car Insurance Coverage in Illinois
  • Auto Insurance Coverage Requirements in IL [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage

Car Insurance Verification Laws in Illinois

  • Insurer Verification of Auto Insurance in IL [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.
    • Insurer must verify randomly selected insurance policies upon request.

Illinois Car Insurance Facts, Estimates & Related Laws

Illinois Car Insurance Facts

Illinois Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in IL
    • Illinois had the 24th highest auto insurance rates in the nation in 2010. [2]
    • Rates in IL ranked 25th in the nation in 2009. [2]
    • In 2008, IL had the 28th highest rates in the country. [2]
  • Number of Auto Insurance Policies in IL
    • Illinois ranked 7th in the nation in auto insurance policies in 2011 with a total of 7,942,599. [1]
  • Uninsured Motorist Rate in IL
    • The uninsured motorist rate in IL ranked 20th in the nation in 2009. [3]

Illinois Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for drivers in construction and school speed zones or within 500 feet of an emergency scene (exemption applies for drivers reporting an emergency situation or communicating with emergency personnel during an emergency situation). [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 19 and learner's permit holders younger than 19. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Illinois Automotive Laws

  • Safety Belt Laws in IL
    • Safety belt laws have been in place since 1988 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger. [7]
  • Motorcycle Helmet Laws in IL
    • No law in place.. [7]
  • Driver's License Renewal Cycle in IL
    • Renewal cycle: 4 years [7]

Illinois Auto & Driver Facts

Illinois Automotive Facts

Illinois Auto & Driver Facts
  • Speed Limits in IL
    • Rural interstates: 65 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in IL
    • Illinois cities collectively ranked 7th in the nation in total motor fuel consumption in 2011. [9]

Illinois Licensed Drivers

  • Licensed Drivers in IL [10]
    • Total Drivers: 8,373,969
    • Female: 4,251,141
    • Male: 4,122,828
    • IL has the 6th most drivers in the U.S.
  • Minimum Driving Age in IL [5]
    • Illinois has a minimum driving age of 15 years.

Illinois Auto Registrations

  • Auto Registrations in IL [8]
    • Registered Cars: 5,563,757
    • Registered Trucks: 4,497,731
    • Registered Motorcycles: 350,292
    • Total Registrations: 10,445,208
    • Rank: Illinois ranked 4th in the United States in total auto registrations in 2011.

Additional information about Illinois

About Illinois

Illinois has a population of approximately 12,830,632, which ranks 5th in the U.S. among all states. [6]

IL Car Insurance

More about Illinois auto insurance

For more information about auto insurance in IL, or for additional resources regarding Illinois car insurance, visit the Illinois Department of Insurance.

Did you know?

As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Illinois Cities