Insurance 101

Understanding the Cost of Car Insurance in Illinois

How Are Auto Insurance Premiums Determined in Illinois?

When you’re shopping for car insurance in Illinois, there are a number of factors that can cause your premiums to go up or down, and there are also some ways you can try to lower your cost.

Personal information and history. Auto insurance companies in Illinois will review information like your driving record, age, marital status, gender, credit history and annual mileage driven, and they will use it to determine your car insurance quote.

Your car’s make and model. When you’re shopping for car insurance in Illinois, there are certain types of cars that will cost more to insure because they are more expensive to repair or because they are stolen more often than other cars.

Claims costs. Over the years, the cost of auto repairs and medical expenses has gone up — and the number of claims due to increased damage from wind, hail, snow and ice has also increased. Both of these factors can lead to higher premiums for people shopping for car insurance in Illinois.

Discounts. You may be able to lower your auto insurance premium by taking advantage of a variety of discounts, including a good driver discount, multi-car discount and discounts for anti-theft or safety devices installed in your vehicles.

All coverages and discounts described are subject to change, availability, qualifications, and certain restrictions. Other terms, conditions, limitations, and exclusions may apply.