Illinois Cheap Auto Insurance - IL State Minimums for Vehicle Insurance

Cheap Car Insurance in Illinois

Low-Cost Auto Insurance in Illinois

Accurate Auto Insurance is a leader in Illinois car insurance. We offer affordable policies for new drivers, high-risk drivers, and everyone in-between. Best of all, we offer instant, easy-to-use quotes.

If you’re looking for a quick car insurance quote or SR22 insurance, you’ve come to the right place. Simply enter your zip code into the field on our home page and we’ll follow up with your free quote!

Required Illinois State Minimums For Auto Insurance

The minimum amount of liability insurance coverage required to satisfy the Illinois Financial Responsibility law is 25,000/50,000/20,000. To put it simply, you’ll need a minimum coverage amount of:

  • $25,000 for bodily injury or death of one person in any one accident
  • $50,000 for bodily injury or death of two or more people in any one accident (with a $25,000 per person limit)
  • $20,000 for injury to or destruction of property of others in an accident.

It’s our goal not only to be affordable, but to provide you with the coverage you need. If you don’t know what kind of coverage you need, we can work with you to determine what you need to carry, and we will provide you with a quote that reflects your actual costs. We strive to be as accurate as possible so you know exactly what to expect.

Illinois SR-22 Coverage – High Risk Drivers

An SR-22 is a certificate issued by your insurance company that you provide to the Illinois Secretary of State. It serves as proof that you have purchased liability insurance. You may require an SR-22 if:

  • You’ve been convicted of 3 or more mandatory insurance violations
  • You’ve been suspended under the Safety Responsibility Law because of an uninsured accident
  • You’re a driver with a DUI record

As a high-risk driver, it’s crucial that you comply with the Illinois SR-22 requirements. At Accurate Auto Insurance, we make the SR-22 process easy and convenient. It’s our goal to help you to find the proper coverage at an affordable rate, no matter your driving history.

Factors that Determine Auto Insurance Rates

There are many different factors that go into determining how much your annual car insurance rate is.


Your age is a major factor in the price of your auto rate. The younger you are, the more expensive your auto insurance rates will be, even if you are a good driver. Auto insurance companies view young drivers as more of a risk just because they don’t have as much driving experience as older adults.

Driving History

A clean driving history will benefit you when it comes to auto insurance rates. Auto insurance companies see a clean driving record and base your future driving habits off of that. If your history is filled with speeding tickets and other violations, your insurance rates will likely go up.

Driving Experience

Experienced drivers are less likely to make mistakes or cause violations. Years of driving experience will ultimately lead to lower rates.


Your zip code also plays a role in determining your car insurance rates. In areas with more drivers, insurance is more expensive because there is an increased risk of an accident.

Insurance History

As soon as you get your license, you should obtain an Illinois auto insurance policy. This is because car insurance companies may assume that if you had your license but you didn’t have insurance, you were driving uninsured. This assumption can lead to higher rates.

Annual Mileage

The number of miles that you put on your car every year has a major impact on your insurance premiums. This is simply because the more time you spend on the road, the higher your chances are of getting into an accident.

Type of Vehicle

The vehicle that you are driving automatically impacts how expensive your auto insurance is. For example, a new sports car will likely cost more to insure than a minivan that is 10 years old.

Claims History

Do you have a long claims history? Your claims history is composed of all of the insurance claims that you have filed as well as claims that have been filed against you. This is a red flag to insurance companies and may result in an increased average rate.

Insurance Company

The auto insurance company you choose will greatly impact your rate. There is a big variance in rates from company to company, and the team at Accurate Auto Insurance is dedicated to providing the most affordable rates in Illinois.

How Do I Get Illinois Vehicle Auto Insurance?

Simply call us at 800-999-1034 and our experienced team members will help you find the coverage you need. The quote process is free, fast, and easy. Once you decide on coverage, we’ll ask you for a few key pieces of information, like your driver’s license number and your address to complete your policy information. Then, we’ll start your coverage!

We want you to drive your vehicle with the confidence that you are protected in the event of an accident.

If you’d rather apply online, simply enter your zip code on our home page, and we’ll get back to you in minutes with an affordable Illinois car insurance quote.

Resources for Illinois Drivers

Below, we’ve compiled some resources for Illinois drivers.

Find Cheap Auto Insurance in Illinois

At Accurate Auto Insurance, it’s our goal to help you find the most affordable insurance policy regardless of your driving history or credit score. Whether you’re looking to meet the minimum state liability requirements or to purchase full coverage car insurance, we have your back.

Best of all, we make the quote process easy, so you can be insured in just minutes!

Call 800-999-1034 today for a free, instant quote.


“Had a great experience dealing with this company. After calling a few places and not getting the service that I expected, a woman named Sofia Tapia from Accurate Auto was able to not only give me the answers I was looking for, but she did it with a positive attitude and and no hassle. I will definitely be sending friends her way. Thankful for the help I received.”

– Monica S. Chicago, IL

“I have had insurance with Accurate for over 5 years. What a great company to work with. The employees are great and very friendly.”

– Ken G. Chicago, IL
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