Illinois Insurance Agencies by County

How to Lower Your Car Insurance in Illinois (And How Insurance Companies Score You)

Trying to lower your car insurance in Illinois? Whether you’re commuting in Chicago, driving suburban highways, or traveling rural roads, there are effective ways to keep premiums under control. This overview explains how Illinois insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Illinois Score You

• Driving history – Accidents, tickets, DUIs, and claims play a major role.
• Credit score – Illinois allows credit-based insurance scoring; better credit often means lower rates.
• Location – Urban areas like Chicago typically have higher rates due to traffic and theft risk.
• Vehicle type – Repair costs, safety ratings, and theft frequency affect pricing.
• Annual mileage – Lower mileage can qualify for discounts.
• Coverage choices – Higher limits and full coverage cost more; higher deductibles usually lower premiums.

10 Ways to Lower Your Car Insurance in Illinois

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, good student, multi-car).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair and theft risk.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Illinois Minimum Auto Insurance Requirements

Illinois generally requires at least 25/50/20 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage per accident. Many drivers choose higher limits for better protection.

Winter Weather, Traffic, and Comprehensive Coverage

Illinois drivers face snow, ice, heavy traffic, and theft risk. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and weather-related damage.

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.