Auto insurance is a necessary expense for all drivers in Illinois. The state requires all drivers to have at least liability insurance, which covers damages to other people and property in the event of an accident. However, many drivers purchase additional coverage, such as collision and comprehensive insurance, to protect themselves from financial losses in the event of an accident.
There are many different auto insurance companies to choose from in Illinois. It cannot be easy to decide which company is the best for you. To help you make an informed decision, we have compiled a list of the best auto insurance in illinois. When making our rankings, we have considered factors such as rates, coverage options, customer service, and financial strength.
The Best Auto Insurance Companies in Illinois
Geico is one of the most popular auto insurance companies in the United States. They offer competitive rates and a wide range of coverage options. Geico also has a good reputation for customer service.
- State Farm
State Farm is another well-known auto insurance company. They have a long history of providing quality service to their customers. State Farm also offers a variety of coverage options and competitive rates.
USAA is a military-only auto insurance company. They offer excellent rates and customer service. However, USAA is not available to everyone.
Progressive is a well-known auto insurance company that offers competitive rates and a variety of coverage options. Progressive also has a good reputation for customer service.
Erie is a smaller auto insurance company that offers competitive rates and excellent customer service. Erie is not as well-known as some of the other companies on this list, but they offer a great value for the price.
How to Choose the Best Auto Insurance Company for You
When choosing an auto insurance company, you should consider a few factors. These factors include:
- Rates: How much will you pay for your insurance?
- Coverage options: What types of coverage are you interested in?
- Customer service: How good is the company’s customer service?
- Financial strength: Is the company financially stable?
Once you have considered these factors, you can start comparing quotes from different companies. Be sure to read the fine print before you sign up for a policy.
Frequently Asked Questions
What is the minimum liability insurance required in Illinois?
The minimum liability insurance required in Illinois is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
What is the average cost of auto insurance in Illinois?
The average cost of auto insurance in Illinois is $1,325 per year. However, rates can vary depending on your age, driving record, and the type of car you drive.
How can I get a lower rate on my auto insurance?
You can do a few things to get a lower rate on your auto insurance. These include:
- Increasing your deductible
- Taking a defensive driving course
- Maintaining a good driving record
- Bundling your home and auto insurance
What should I do if I have an accident?
If you are involved in an accident, you first should exchange information with the other driver. This includes their name, address, phone number, and insurance information. You should also call the police and file a report. Once you have completed these immediate tasks, you should contact your insurance company to report the accident.
Choosing the best auto insurance company for you can be a daunting task. However, by considering the factors outlined in this article, you can make an informed decision that is right for you.