Illinois Auto Insurance

"Being insured is the law in Illinois"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the state of Illinois.

• What does the law say pertaining to minimum insurance coverage in Illinois?

Illinois has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Illinois, you can obtain your learner’s permit at fifteen and your restricted license at sixteen, with a full license at eighteen. Motorcycle helmets are not mandatory in Illinois.

To adhere to Illinois's auto insurance rules, you must...

In Illinois, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Illinois requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Illinois, you must have third party liability insurance for bodily injury with each person allowed $20,000.00, up to maximum of $40,000.00, as well as an additional $15,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Illinois, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Illinois:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Illinois.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Illinois

Auto Insurance FAQ

Question: I am looking for the website for the Illinois Insurance Auto Assigned Risk Pool?
This pool provides insurance for high risk drivers on a rotating basis.

Answer: The Illinois DMV website has answers about assigned risk insurance and connections to providers.

Question: How much are people in Illinois paying for auto insurance for an 18 year old boy?
He doesn't have a car yet, I just want to know how much other parents are paying for their son's insurance, before I decide when he gets one.

Answer: Insurance is very individual because it's based on personal record, sex, age, and a number of other variables such as location, credit rating etc I was able to save money through a free on-line quoting service at http://gsx1.com/InsuranceComparison.html They had several links. All I did was fill out their quote request and received back a lot better rates then what I was paying. I would suggest you get your son to try more than one quote before you settle with anyone, the service is free and there's no obligation so you might as well try it. Here's some others from my bookmarks: http://finance.ebookorama.com/ukusa-sele... http://autoinsurance.guidearticles.com/ http://gsx1.com/Car-Insurance/100.php If you are searching for a cheap car to insure look for car that is 5-7 years old with good safety features. Something like a Honda Civic or Toyota Corrolla. Those cars get great gas mileage, are reasonable to insure, and are relatively inexpensive to maintain.

Question: Illinois auto insurance question here....?
I recently discovered my girlfriend doesn't have auto insurance. Unfortunately I discovered that after I slid on some ice and hit a parked car while driving hers. Is it possible that my insurance company could cover this? The damage to the parked car is minimal compared to her car but I'm still pretty worried. I'm not sure what to do next.

Answer: Your Liability Coverage should cover you for the property damage you caused. Call your insurance company and report the loss, they will review your coverage and advise you if you are covered. There is no coverage for your girlfriend's vehicle.

Question: penalities for not having illinois auto insurance?

Answer: minimum $500 fine for operating an uninsured vehicle minimum $1000 fine for driving a vehicle while the registration is suspended for no insurance. if you dont have insurance your car regristration will be suspended. 1st time, $100 reinstatement fee and proof of insurance repeat occurence an a 4-month suspension is added.

Question: Am I required to add my 16 year old student driver to my auto insurance policy, we live in Illinois.?
As the student drivers parent, is my current auto insurance coverage in effect and still valid (for me and my 16 yr old) when my 16 year old student driver is driving my vehicle (supervised driving\practice), even though I have not added them as a driver on my auto insurance policy. We live in Illinois. After the student driver receives their official drivers license am I required to add them as a driver to my auto ins policy, or am I and this new driver still covered by my policy because I have given them permission to operate my vehicle?

Answer: It depends on the company, but in most situations, yes...you must add them...otherwise risk an unpaid claim if an accident arises. If you have been with your insurance company for an extended period of time it is possible they may not charge you if it is just a permit or learners lic ....some companies do this for preferred policyholders but you need to report it either way...not worth an upaid claim.

Question: Is auto insurance required in illinois?
If so, what coverage is required, if not than what type of insurance is being considered by lawmakers

Answer: car-insurance.66ghz.com - try this one. I personally have their car insurance, cause it is the cheapest for me in our area.

Question: Illinois teen auto insurance rate?
There is a program for teens that is you have a certain GPA your rate will be lower. Is the min. a 3.0 or will it lower more the higher it is? I have Allstate and will be added to my parents policy.

Answer: Usually it's a 3.0 requirement. It's NOT a significant discount.

Question: Does Illinois have an auto insurance verification system?

Answer: Insurance companies are required to send a list of everyone who has filed for insurance with them to the state. If you apply for a driver's license and you're not on their list, they know you don't have auto insurance. Likewise, if you are dropped by your auto insurance company, they are required to send the state notification of that as well, so the state also knows when you've been dropped and will send you a note telling you that you need to get auto insurance. In addition, you need to carry proof of insurance with you in the car at all times in case of a traffic stop.

Question: when did the mandatory auto insurance go into effect in Illinois?

Answer: Illinois has always required you to have insurance, however it was made manditory on the 1st of January of 2005.

Get Insurance for another state/province