Illinois Car Insurance

Illinois Car Insurance

Illinois is one of the premier states in America. It is home to the Chicago metropolitan area, the 3rd largest city in the country, as well as the many suburbs that surround it. It became a state in 1818, but before that it was a crossroads for the many travelers going west to settle. It has a long history as a home to Native Americans who settled near the Great Lakes. Illinois can claim one of the only natural ports on Lake Michigan.

Today it is the fifth most populous state in America. There are over 12.9 million people living in Illinois (2010) and it continues to grow. The economy is very diverse and speaks to the different kinds of people that live in the state. Chicago has a lot of different kinds of businesses, the other parts of Illinois deal with agriculture and natural resources. The state also has a busy tourism industry. A lot of people come to see the birthplace of President Abraham Lincoln. The amount of traffic that crosses Illinois daily is enormous and residents can see for themselves why they need to have a solid car insurance policy. Local professional agents can help find policies that fit their clients’ individual needs and budget.

Auto theft is a problem, with Illinois ranking ninth worst in the nation.

Illinois is also home to many different professional sports teams. They have the White Sox, Cubs, Bears, Bulls, the Fire, and the Blackhawks. All of these teams are based in Chicago and are enough to draw in millions of fans every year to the Windy City. In the state there are 10 million registered vehicles. In 2010 those vehicles were involved in over 289,000 crashes. This cost the residents of Illinois over $5.3 billion dollars.

Key Statistics according the Insurance Information Institute and the National Highway Safety Administration:

Uninsured Motorists

Nationwide: 12.6% (2012)

Illinois: 13.3% ((2012)

Insurance Coverage Requirements:

Bodily Injury Liability

Property Damage Liability

Uninsured Motorist

Underinsured Motorist

Motorists are required to carry a minimum of $50,000 for all persons injured in an accident, with a maximum of $25,000 per person. They are also required to carry $20,000 for property damage. If you’ve had a major medical experience lately, or know someone who has spent several days in a hospital you probably realize how low these limits are compared to the reality of hospital care costs. A more common limit for Illinois drivers is $100,000 per person, $300,000 per accident bodily injury and $100,000 per accident property damage. Many consider an umbrella with an additional $1,000,000 in limits available. Considering the chain reaction accidents that occur on icy Illinois roads it would seem prudent to have higher limits of auto insurance protection.

Average Car Insurance Premium

The Insurance Institute uses an “average person” to establish an average rate for an average car. This figure is only good for comparison as so many factors go into establishing an auto rate.

National Average Cost Per Year: $841 (2013)

Illinois Cost Per Year: $745 (2013)

Crash Statistics

Fatalities: 924 (2014)

Alcohol Impaired Driver Fatalities: 317 (2014)

Fatalities per 100 million miles driven (IL): .94 (2013)

Fatalities per 100 million miles driven (Nationwide): 1.09 (2013)

The cost of auto insurance is miniscule in the face of the rising cost of accidents and theft. Professional independent insurance agents recognize the value of a good policy and can work individually with their Illinois neighbors and clients to find car insurance that will protect their clients.

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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.