The cheapest full coverage insurance in Illinois is from Esurance, which charges $61 per month ($731 annually) on average. In comparison, the average cost of full coverage in Illinois is $145 per month.
In general, the easiest way to make sure you’re getting the cheapest full coverage car insurance possible is to compare quotes from several companies and take advantage of all the discounts you qualify for.
Note: Premiums are for a 45-year-old good driver in Illinois; individual premiums will vary.
Full coverage car insurance in Illinois costs an average of 162% more than minimum coverage policies because full coverage policies typically consist of comprehensive and collision insurance as well as any coverage required by state law.
Full coverage insurance in Illinois costs an average of $145 per month ($1,738 annually). A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Illinois law. In Illinois, liability insurance and uninsured motorist coverage are mandatory for all drivers.
Some cities in Illinois have cheaper car insurance premiums than others because insurance companies take a driver’s ZIP code into account when calculating their premium, alongside other factors. For example, drivers who live in dense urban areas typically pay more for coverage than drivers in rural areas because they’re more likely to get into an accident. And if an area has a particularly high theft rate, car insurance may be more expensive due to the risk of vehicles being stolen.
The best ways to get cheap full coverage car insurance are to compare quotes from at least three companies every 6-12 months, choose the highest deductible you can comfortably afford, and take advantage of discounts. For instance, many insurers offer discounts for paying your premium in full up front and taking an approved defensive driving course. You can get full coverage for cheap from … read full answerEsurance, Geico, and Mercury.
How to Get Cheap Full Coverage Car Insurance
Compare quotes from multiple companies in order to find the best deal.
Make sure you’re getting every discount you qualify for.
Cut any unnecessary coverage types and consider lowering your liability
Things to Consider When Getting Full Coverage Car Insurance
Although raising your deductible and lowering your liability limits can help you save money in the short-term, be sure to weigh the pros and cons. For instance, it’s not worth raising your deductible to an amount that’s unreasonable for your financial situation. Similarly, if your liability limits are too low, you could be held personally responsible for damages if you cause a severe accident.
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