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Home Insurance and Car Insurance in Illinois
Buying home and auto insurance coverage in Illinois shouldn’t feel complicated. SelectQuote helps simplify the process by shopping for coverage from several insurance companies at one time and presenting the information to you so you can make the right decision for your needs.Whether you’re a first-time homeowner looking to protect your investment and property, a parent in search of an auto policy to protect your teen driver or simply looking for a better rate for your Illinois home and auto insurance coverage, we can help.Homeowners Insurance in Illinois
No matter where you live in Illinois—from Chicago to Carbondale—or what kind of home you own, homeowners insurance is a vital necessity to protect you from the cost of losses due to a fire, tornado, theft or other catastrophes. Illinois homeowners have several different options for coverage. Depending on where you live, certain types of home insurance coverage may make more sense for your needs than others.Homeowners Insurance Coverage Options in Illinois
Before you sit down to purchase homeowners insurance for your Illinois home, make sure to lay out exactly what kind of coverage you need. Most homeowners insurance policies fall under two different categories: actual cash value and total replacement cost.- Actual cash value insurance policies cover the current cash value of the dwelling or property that’s part of the claim. Depreciation is often factored into these claims. Depending on the type of claim, you may not be able to fully replace or repair the loss if the current value is significantly less than the cost of a new item.
- Total replacement cost ignores depreciation when it comes to home insurance claims. In most cases, this allows you to fully replace the loss without worrying about depreciation. In the case of outdated appliances or building materials, it could even pay for an upgrade.Most home insurance policies offer a basic level of protection with specific types of home insurance coverage. Common items you’ll find in a home insurance policy include:
- Dwelling coverage protects the structure of your home, including the roof, walls and windows.
- Personal property coverage covers the “stuff” inside your home: furniture, appliances, clothing, etc. In many cases, this protection extends to damage or theft outside of your home.
- Liability protection coverage exists to defend or protect you if someone sues you after an injury occurs on your property. It also covers you if you damage their property.
- Guest medical protection can pay for medical expenses for someone who is injured on your property.
- Living expenses insurance covers the increase in expenses if your home is rendered uninhabitable after a loss.
- Other structures coverage can help pay for repairs or replacement for structural damage on your property that isn’t attached to your home, such as a detached garage or shed.
Common Causes of Loss in Illinois
According to the Insurance Information Institute, Illinois incurred $16.7 million in property losses in 2021.1 Common losses in Illinois include wind, hail, flooding, burglary and theft. Because Illinois sits so close to areas of the country frequently affected by strong summer storms, it sees high instances of wind damage reports.Hail damage is often a worry due to severe weather. Thunderstorms can bring flash floods, which leads to many Illinois counties being at risk of flood damage.Finally, some areas of the state—particularly Chicago—may see a higher incidence of break-ins and theft. The risk of burglary can be mitigated by a home security system which comes with the added benefit of insurance discounts.Additional Coverage Options Recommended for Illinois Homeowners
Some Illinois homeowners opt to purchase additional home insurance products beyond the scope of their original policy. Depending on where you live, your mortgage lender may require you to purchase flood insurance. Flood insurance is not typically included on many home insurance policies and must be purchased separately. You may also want to purchase additional coverage to help rebuild after storms; Illinois’s close proximity to areas with above-average tornado activity make it a prime spot for storm damage.Illinois also has a history of mining, which can cause mine subsidence. This is the gradual movement of the land due to the man-made mines underneath, and this movement can destabilize the foundation of your home. Almost 330,000 homes in the state could be at risk of collapse due to mine subsidence.2 It may be worth pursuing this type of coverage if you think your property is built over or near a mine.Our Home Insurance Partners in Illinois
SelectQuote works with trusted, highly rated insurance companies to find home and auto insurance policies that meet your needs. When you purchase your insurance coverage through us, we connect you with home and auto insurance companies that deliver the best balance of value, protection and customer service.What is the average home insurance cost in Illinois?
Home insurance rates in Illinois are competitive, especially for SelectQuote customers. Among policies sold, our customers see an average monthly premium of $119.65.+ Of course, your average home insurance cost may vary depending on different factors, including the age of your home, your ZIP code, your credit history and even the number of claims you’ve filed—even with other insurance companies.Homeowners Insurance Discounts in Illinois
Homeowners insurance discounts are available for Illinois residents. Discounts vary by insurance company, but commonly issued discounts include:- Customer loyalty discounts
- Discounts for low number of claims
- Discounts for buying insurance policies with a higher deductible
- Bundled insurance policy discounts (such as home and auto coverage)
Bundle Your Home and Auto Insurance to Save Money
By bundling your home and auto insurance coverage, you can save an average of $693 each year. Combined discounts vary by state and coverage amounts. Let SelectQuote help you shop and save by comparing rates from several insurance companies at once.Average Home and Auto Insurance Rates in Illinois
Rates listed below include prices paid by SelectQuote customers in select cities in Illinois. Rates will vary based on several factors, including ZIP code, age and condition of home or vehicle, available discounts, credit score and more.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Belleville | $148.60 | $138.15 | $223.73 |
| Chicago | $122.48 | $143.97 | $243.99 |
| Naperville | $130.24 | $100.61 | $176.80 |
| Rockford | $123.14 | $125.88 | $252.83 |
| Springfield | $117.10 | $116.37 | $215.83 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Auto Insurance in Illinois
Whether your insurance needs include a farm truck, family sedan or a vehicle for your daily commute into the city, buying auto insurance in Illinois is made simple with SelectQuote. We understand the unique needs of Illinois drivers and can help find affordable coverage to meet legal requirements and protect your vehicle.Illinois Auto Insurance Laws and Requirements
Illinois requires all licensed drivers to carry auto insurance. Minimum legal coverage in the state of Illinois includes liability coverage that pays for bodily injury to another person or property damage due to negligent operation of your vehicle. According to the Illinois Department of Insurance, the minimum legal liability insurance requirements are as follows3:- Bodily injury coverage that pays for costs due to injury or death to another driver, pedestrian(s) or person(s) in another car. This coverage can also pay for injury to passengers of your vehicle. Illinois law requires you to have at least $25,000 worth of coverage per person and $50,000 total per accident.
- Property damage insurance pays for damage to other vehicles or property like fences, buildings, signs, trees or utility poles. The required property damage limits are at least $20,000 per accident.
- Uninsured motorist bodily injury coverage pays for your injuries if an accident involves a hit-and-run driver or a driver who does not have auto liability insurance. Minimum coverage for this insurance is $25,000 per person and $50,000 per accident. You may buy higher limits to pay for more expensive claims at a higher premium.
- Underinsured motorist bodily injury insurance pays the difference between your underinsured motorist limits and the liability limits of the at-fault driver if it’s lower than your underinsured injury limits. If you purchase higher limits of uninsured motorist coverage, you must purchase this type of insurance.
| Types of Coverage | Amount Required |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $20,000 |
| Uninsured Motorist | $25,000 per person / $50,000 per accident |
| Underinsured Motorist | Required if uninsured motorist limit is higher than legal minimum |
| Medical Payments | Not required |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
Depending upon your vehicle, you may be required or recommended to purchase additional types of auto insurance coverage, including:
- Collision coverage pays for damage to your vehicle caused by accidents with another vehicle or a fixed object, such as a tree, fence or building.
- Comprehensive coverage is auto insurance that pays for damage from other causes, including forces of nature (fire, hail, wind, fallen trees), theft or accidents involving animals.
- Accidental death benefit coverage pays death benefits if you die because of an auto accident.
- Gap coverage pays the difference between your vehicle’s cash value and what you owe on the loan or lease.
- Medical payments insurance covers medical or funeral expenses if you or one of your passengers are injured or killed in the vehicle. It can also cover you if you or your family members are struck by a vehicle while walking or riding in another car.
- Physical damage/repair/replace coverage can pay for a new vehicle if the cost to repair your car is more than the value of a new car. Endorsements for this coverage are usually only available during the first three model years.
- Rental reimbursement pays for the costs of a rental vehicle per day (up to a certain limit) if yours is being repaired due to covered losses.
- Towing insurance pays the costs of towing your disabled vehicle to repair shops.
Illinois Teen Driving Laws
Like many other states, Illinois uses a graduated driver license system4 to help reduce the risk of auto accidents and fatalities among teen drivers. This system ranges from a permit phase for drivers aged 15 and up to full licensing for drivers who are ages 18-20. Restrictions for teen drivers vary, but commonly include limits on passengers as well as a curfew and nighttime driving restrictions (with exceptions for work, school and medical emergencies). Cell phone use is typically prohibited for teenage drivers.Illinois Car Registration Information
Registering a vehicle in the state of Illinois requires proof of auto insurance as well as documentation proving ownership of the vehicle, often in the form of a title. Title applications can be processed both by mail and by visiting the nearest Secretary of State facility.5What is the average car insurance cost in Illinois?
Your car insurance prices can be affected by several factors, including driving record, age, gender, marital status and more. Coverage limits impact your rates, too. Other factors impacting Illinois car insurance rates can include:- Type of vehicle
- Use of vehicle, including annual mileage and length of commute
- Credit rating
- Your deductible
- Available discounts
Our Auto Insurance Partners in Illinois
SelectQuote works with highly rated auto insurance companies in each state to provide you with competitive car insurance rates. Our trusted partners provide a wide variety of auto insurance coverage options, customer service and value.Illinois Home and Auto Insurance Frequently Asked Questions
Buying home and auto insurance in Illinois is not complicated, but there are a few common questions that frequently come up. If you’re not sure what kind of insurance coverage you need or how to find discounts, reach out to us for help.How do I shop for insurance in Illinois?
Shopping for insurance in Illinois isn’t all that different, regardless of what type of insurance you’re looking for. The basic rules for buying home and auto insurance coverage apply to both: know the coverage you need, get multiple quotes from different companies, and don’t forget to ask about discounts.
How do I shop for homeowners insurance in Illinois?
Before buying an insurance policy for your Illinois home, make a list of everything that needs coverage.- Include an inventory of personal property, your dwelling’s value and any other structures or unique risks.
- Compare quotes from several companies at once to find the best value.
- Shop for discounts based on loyalty, low number of claims and bundling with auto insurance.
How do I shop for auto insurance in Illinois?
When shopping for auto insurance in Illinois, compare rates from several different companies to find the best value.- Keep in mind that the cheapest insurance coverage may not be sufficient for your needs.
- Get as many car insurance quotes as you can for different levels of coverage.
- Be sure you understand your deductible and how to file claims.
- Ask what discounts are available, including discounts for good driving habits, student discounts, safety devices and low mileage.
Is collision insurance required in Illinois?
Illinois state law does not require you to purchase collision insurance for your vehicle, but it is generally recommended. In addition, your vehicle lender may require you to buy this insurance as a condition of financing your car loan.
Is home and auto insurance required in Illinois?
Illinois does not require you to purchase home insurance, although your mortgage lender will likely require you to do so. Minimum liability auto insurance coverage is required.
What is recommended for car insurance coverage in Illinois?
Your coverage needs depend on the type of vehicle you’re insuring. Brand new vehicles purchased with an auto loan or lease will likely require full coverage auto insurance in addition to gap coverage. Used vehicles purchased with a loan may require full coverage. A car or truck that you own outright may be worth less than the annual premiums you would pay for full coverage or your deductible.
SelectQuote Can Shop Illinois Home or Auto Insurance to Help Save You Time and Money
Finding the right home and auto insurance to meet your needs is just a phone call or click away. Choose SelectQuote to help you find auto and home insurance for your Chicago loft or southern Illinois farmhouse. We compare rates, discounts and bundle options from several trusted insurance companies at once to ensure you find the best balance of coverage and cost. Let us help save time and money as you shop for home and auto insurance coverage.Sources
+Average rates calculated are based on effective SelectQuote customer policies in Illionois between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors.
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