Illinois Auto Insurance

Auto Insurance Average Costs in Illinois

Thankfully, the great state of Illinois typically has inexpensive auto insurance averaging only $1,120 per year, compared to the national average premium of $1,548 per year. However, we all know that insurance prices don't only depend on the state you live in. There are other factors such as your driving record, vehicle, and how old you are that make a difference on how much you'll be spending on your premium. If you think these factors will boost the price of your insurance bill, have no fear. Once you are a member of the Branch Community, you’ll have access to discount programs that can reduce your overall cost of insurance.

Illinois Minimum Auto Insurance

Each state has their own laws regarding the minimum auto insurance coverage needed for each vehicle, and since Illinois drivers are behind the wheel an average of 12,921 miles per year, it's important you have the right insurance coverage. While there are many options to add more protection for your vehicles, the following is the minimum requirement for Illinois residents:

• Bodily injury liability coverage: $25,000 per person
• Bodily injury liability coverage: $50,000 per accident
• Property damage liability coverage: $20,000 per accident

Let’s break these minimum coverages down a little bit further.

If you get into an accident, bodily injury liability coverage pays for the injuries you cause to another driver and/or their passengers. The state minimum coverage requires that you have coverage for at least $25,000 per person for any injury they have as a result of the accident, up to $50,000.

Here are a few scenarios to better explain this:

Scenario 1:

Let’s say there’s 1 person injured in an accident you cause. That person’s total cost of injury is $40,000. While your policy allows for up to $50,000 per accident, it only allows up to $25,000 per person. You are responsible for paying the other $15,000 out-of-pocket. 

Scenario 2:

This time there are 2 people injured in an accident you cause. Person A has injuries totaling $40,000 and Person B has injuries totaling $20,000. Since your per person limit is $25,000, you’ll be responsible for paying the remaining $15,000 of Person A’s injuries. And since your policy covers $50,000 per accident, your insurance will cover all of Person B’s injuries. 

Property damage liability coverage covers the damage and cost of repairs you cause to another car or property if you get into an accident. This means if you get into an accident and get run off the side of the road, ultimately hitting someone’s mailbox and part of their fence, you’ll have at least $20,000 of coverage to repair all of the damages. 

Want to learn more about the available coverage for your vehicles? Click here to learn more about choosing the right policy for you!

Illinois Discount Programs

Whether you live in Chicago, Aurora, Naperville, or anywhere in between, Branch has your back with discount programs that will put some money back in your pocket!

Earn Amazon Gift Cards by Telling Your Friends About Branch

We love building the Branch community with your community and love rewarding you for it even more. When you become a Branch client, you will receive a unique referral link in the Branch app. We encourage you to share this with your friends and family, on your social media, etc. Anyone that visits Branch for the first time from your link and checks their insurance price with us will receive a $10 Amazon gift card and we will send you a $25 Amazon Gift Card! That's some easy cash!

Community Pledge

Once you become a Branch client, you'll want to make sure you download the Branch phone app. Here you will find our Community Pledge program. You'll be able to ask other Branch clients to vouch that they believe you would not commit insurance fraud. For each person who does so, you’ll earn a discount off your insurance of 1%  - up to 5% - for as long as you’re both Branch clients.

The fewer fraudulent claims we pay, the less cost our community bears, and the less you have to pay!

Want to learn more about Community Pledge? Check it out here!

Ready to join the Branch Community? Click here to see your cost of auto insurance today!