Illinois Car Insurance Calculator

Your coverage selection and amount can have a dramatic effect on the costs associated with car ownership in Illinois. Minimum liability limits of 25/50/20 must be purchased, protecting you in case of accidents caused by you or damage from uninsured drivers. Furthermore, collision and comprehensive policies offer further protection such as rental reimbursement or roadside assistance; more extensive policies typically mean higher premiums.

Other factors can also have an effect on your rate, such as age, credit history and driving record. While Massachusetts and Hawaii do not consider gender in rates calculations, in Illinois female drivers typically pay less than male drivers between certain ages (usually teens to early 20s) when it comes to car insurance premiums.

As a rule, drivers with poor driving records can expect to pay higher insurance premiums due to being seen by insurers as high-risk. This may depend on factors like severity and frequency of accidents as well as violations committed against them; but either way their rates may change accordingly.

Illinois is one of the few states that allows insurers to consider credit-based insurance scores when setting premiums; good scores could save up to 8 percent off premiums while poor ones could add 73% more.

City life can have an effect on car insurance premiums, with larger cities typically commanding higher premiums due to factors like population density, crime statistics, and weather conditions. But specific location can vary greatly between companies: for instance GEICO has much lower full coverage premiums in Belleville than Chicago!

Statewide averages are helpful, but for an accurate quote you’ll want to compare multiple providers. Our tool makes this quick and simple by providing you with rates for different levels of coverage from top companies in Illinois.