You can get pay-per-mile insurance in Illinois from Allstate Milewise, Liberty Mutual ByMile, Metromile, Mile Auto, and Nationwide SmartMiles. Pay-per-mile insurance is a type of car insurance policy that charges drivers a daily or monthly base rate plus a few cents for each mile driven. Each policyholder’s base rate is calculated according to normal car insurance rating factors, such as driving record, age, and ZIP code.
Notable Pay-Per-Mile Insurance Companies in Illinois
Pay-per-mile insurance can be an easy way for Illinois drivers to save if they use their cars infrequently. For example, retirees, remote workers, and students who walk to class can benefit from pay-per-mile insurance. Individuals or families with an extra car that is rarely used should also consider pay-per-mile coverage.
Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.
Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.
In Illinois, drivers need $25,000 of bodily injury liability insurance per person, up to $50,000 per accident, and $20,000 of property damage liability insurance. Illinois requires uninsured motorist protection, which replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits. Coverage like MedPay or personal injury protection pays for medical expenses for you and your passengers, and MedPay is optional in Illinois. PIP is not available.… read full answer
Here’s How Much Car Insurance Drivers Need in Illinois:
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Illinois law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.
Car insurance in Illinois costs $55 per month, on average, or $662 per year. The average cost of car insurance in Illinois is 8% lower than the national average auto insurance premium, and Illinois ranks 28 out of 50 for the most affordable car insurance rates in the U.S.
There are several factors that affect how much you’ll pay for car insurance in Illinois, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from. On average, the cheapest insurance companies in Illinois are Geico, Country Financial, and Pekin Insurance. But every insurer has their own way of calculating premiums, so it’s a good idea to get quotes from at least three different companies to make sure you find the best deal.
Finally, it’s worth noting that car insurance premiums in Illinois are high, compared to the cost of coverage in neighboring states like Wisconsin and Missouri. You can find more details in the table below.
Cost of Car Insurance in Illinois vs. Neighboring States
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