With billions of dollars spent on car insurance advertisements each year, it is interesting to see where the average cost of auto insurance in Illinois ranks compared to other states. The amount of money insurance companies charge is, or at least should be, tied to the costs they experience in each state. Based on that, one might expect to find a clear pattern, for example states with harsh winters or disproportionately large urban populations with higher rates; but no such pattern is revealed. That leaves one searching for other factors, such as each state’s laws, average jury settlements and competition.
Illinois is a state where a very large number of companies compete fiercely for Auto Insurance customers, this helps reduce the rates to among the lower quarter in the nation putting Illinois insurance rates at less than half of what they are in Louisiana. At Urban Insurance, our average cost of a policy is $788 per year, or 41% less that the average cost of a car insurance policy in Illinois.
Average Car Insurance Rates for 2013
Below is a list of car insurance rates
Arranged by state.
Rank StateAvg. annual premium* 1 Louisiana $ 2,699 2 Michigan $ 2,520 3 Georgia $ 2,155 4 Oklahoma $ 2,074 5 Washington, D.C. $ 2,006 6 Montana $ 1,914 7 California $ 1,819 8 West Virginia $ 1,816 9 Rhode Island $ 1,735 10 Kentucky $ 1,725 11 Connecticut $ 1,723 12 New Jersey $ 1,697 13 Alabama $ 1,667 14 Missouri $ 1,638 15 Massachusetts $ 1,625 16 Pennsylvania $ 1,604 17 Delaware $ 1,586 18 Hawaii $ 1,583 19 Texas $ 1,545 20 Arkansas $ 1,545 21 Maryland $ 1,528 National average $ 1,510 22 North Dakota $ 1,501 23 Wyoming $ 1,496 24 Alaska $ 1,455 25 Utah $ 1,438 26 Kansas $ 1,435 27 Minnesota $ 1,432 28 New Mexico $ 1,431 29 Tennessee $ 1,408 30 South Dakota $ 1,397 31 Oregon $ 1,387 32 Nebraska $ 1,384 33 New York $ 1,369 34 Florida $ 1,364 35 Mississippi $ 1,345 36 Nevada $ 1,341 37 Virginia $ 1,322 38 Illinois $ 1,322 39 South Carolina $ 1,288 40 Colorado $ 1,271 41 Wisconsin $ 1,228 42 Arizona $ 1,227 43 Washington $ 1,226 44 Indiana $ 1,183 45 Vermont $ 1,176 46 Idaho $ 1,133 47 New Hampshire $ 1,112 48 Ohio $ 1,106 49 North Carolina $ 1,085 50 Iowa $ 1,028 51 Maine $ 934 Source: Insure.com.* Costs shown are an average of insurance rates for more than 750 vehicles in the 2013 model year.
We offer the lowest car insurance quotes in Chicago on SR-22 filings, SR22 car insurance, non-owners, liability insurance and we can provide you with a “Same-Day electronic filing.” to the State of Illinois.
Your car is one of your largest single purchases; so it is critical that your car insurance is with a company you can trust. Urban Insurance has an A+ rating with the BBB (Better Business Bureau), and has 50 years experience writing auto insurance in Illinois.
When searching for car insurance, it’s great to be able to get an insurance quote online; however sometimes you want to be able to talk to directly to an insurance agent and get clear answers over the phone, or in person; With Urban Insurance, we are here to answer your questions. Urban Auto Insurance was one of the first local Insurance Agencies in Chicago to bring car insurance online. Urban Insurance has been an innovator in “Online auto insurance” for more than a decade, as a part of our 50-year history.
We at Urban, understand how hard you work for your money; that is why we search more than 15 different companies in order to find you the lowest Auto Insurance rates. Our rates can save you hundreds of dollars per year on your car insurance.
Urban Insurance Agency
800 N. Wells Street
Chicago, IL 60610
The State of Illinois has started scheduling appointments for it’s new program: Temporary Visitor Driver’s Licenses (TVDLs). This form is a legal document which allows foreign-born individuals residing in Illinois to drive. This will mean, that for the first time, undocumented immigrants in Illinois will have a path to obtaining a drivers license.
The TVDL program begins on Nov. 12, permitting people to set up appointments at one of several Secretary of State offices (See below). Those interested in the licenses will need to show proof they have lived in Illinois for more than one year, have a valid passport from their native country, as well as papers confirming their name, date of birth and address.When granted, the license will run for three years.
The locations (and when they will start seeing applicants) are as follows:
•5301 W. Lexington St., Chicago (Dec. 3)No walk-in applications will be accepted, so those interested in the licenses need to set up their appointments by calling 855-236-1155 or online at www.cyberdriveillinois.com
•2701 S. Dirksen Pkwy., Springfield (Dec. 3)
•5401 N. Elston Ave., Chicago (Dec. 10)
•1510 W. Market St., Bloomington (Dec. 10)
The Temporary Visitor Driver’s License (TVDL) program has caused some controversy on both sides, with those opposed fearing that it will “Reward Illegal immigrants,” and those seeking a legal way to drive worried that they will not have all of the document necessary to satisfy the State of Illinois.
” I have friends that have lived and worked in Illinois for years, but have been afraid to put things like utility bills in their names” said Carmen Rodriguez.
In addition to allowing people to drive, the licenses can be used as a form of identification, but can NOT be used for buying a gun or voting. This will give “Undocumented” drivers a legal way to drive and the ability to purchase Auto Insurance. This will help protect both the newly licensed as well as other drivers by reducing the number of people driving without car insurance.
Notice of BBB Accreditation:
We at Urban Insurance Agency, take great pride in the quality of service that we provide to our customers.
Today, it is impossible to turn on your TV, radio or go online without be bombarded by car insurance commercials. We understand that there are a vast number of companies in the marketplace competing for your insurance business. While there are a few “Shady Operators” out there; the vast number of companies and agents are honest and offer a legitimate product. The BBB helps consumers identify those companies that are serious about conducting business in an open, fair fashion, and addressing any concerns a customer might have in a timely manor. It is that belief that pushes us at Urban to consistently strive for “Total Customer- Satisfaction.”
Urban Insurance Agency/U. I. Payment Plan both fall under the BBB Accredited business Program.
This means it supports BBB’s services to the public and meets our BBB Accreditation standards.
BBB Rating for Urban Insurance Agency/U. I. Payment Plan
Based on BBB files, Urban Insurance Agency/U. I. Payment Plan has a BBB Rating of A+.
As a man myself, I might not want to admit the basic truth that women pay less for their Car Insurance , because they simply have fewer, as well as less severe auto accidents than men. The data confirming that woman drivers have fewer accidents than men of the same age; is based on more than 50 years of research from auto insurance companies. What’s more interesting is that these statistics have remained rather constant over time.
When searching for car insurance for woman, it is important to forget the stereotypes, shop for the best car insurance rate, and then select a company you can trust. Urban will always search for the the lowest rate on car insurance for men or woman.
Your car is one of the largest single purchases any of us make; so it is critical that your car insurance is with a company you can trust. Urban Insurance has an A+ rating with the BBB (Better Business Bureau), and has 50 years experience writing auto insurance in Illinois.
Urban provides our customers a wide range of insurance options as well as the personalized help and guidance to help you select the policy that meets your individual needs. We have provided our online FAQ is well as over 500 pages of searchable information and insurance articles as a starting point; but we are always happy to talk directly to any of our customers, or anyone searching for car insurance rates.
Urban Insurance is a full service Insurance Agency, below is just a sample of some of the coverage’s we offer:
Auto Liability, Comprehensive & Collision, Uninsured Motorist Coverage, SR22, and Towing & Rental.
Commercial Auto Liability, Comp & Collision, Car On Hook, Physical Damage, Cargo coverage,
ICC filings, Form E and Form H. Garage liability, General Liability and Completed operations.
Have Questions or Prefer to Talk to an Insurance Agent?
Just give us a call at 1-800-680-0707.
Auto insurance liability limits in Illinois have been set at a minimum of $20,000/ $40,000/ $15,000 for more that 25 years. Governor Pat Quinn on Thursday, Aug 22nd, signed a bill that increases the mandatory minimum auto liability insurance coverage’s to $25,000/$50,000/$20,000 on car insurance policies issued after Jan. 1, 2015
Liability coverage is mandatory in the state of Illinois and it is, in the simplest terms, it pays for damages you do to other peoples person, or property. It is divided into three parts. Bodily Injury Liability pays for damages to others caused by covered drivers on your auto insurance policy. In Illinois the minimum limits are increasing to $25,000 per person and $50,000 total Bodily Injury per accident if multiple people are injured. The third part involves damage done to others property. Property Damage Liability will be going up to $20,000.
The reason for the state of Illinois raising the required minimum limits of insurance is based on the realization that over the past 25 years the average cost of an accident has risen substantially. According to Truecar.com, the average new-car was $30,084, twice the current insurance requirement of $15,000 for property damage. Anyone that turns on the news, or has spent even a few days in a hospital can verify that the cost of medical care has sky-rocketed over the past two decades. With that in mind, the increase in limits are well over due.
Even with these new limits, it is still vital that you carry enough liability insurance, because if your the cause of a serious accident, you could be sued for a considerable amount of money. Medical bills arising from a serious accident, particularly if several people are hurt, will certainly exceed the basic mandatory limits. While obtaining the State required limits will allow you to be in compliance with Illinois laws, remember, you can be held responsible for damages in excess of your policy limits. Yes they can take your home or other assets. It is for this reason that people often opt to by higher limits.
Whether your looking for liability insurance, Full Coverage, SR22 or SR50 insurance Urban will search for the best rate. Have you gotten a ticket for DUI, or need Non-Owner Insurance,we can get you a policy today. Has your license been suspended,International License or no license at all, We can get your insurance started today.
At Urban Insurance we do not ask for your Social Security number – and we do not run your credit report
Urban will compare rates at more than 20 different companies in order to find you the lowest price, for the right auto insurance coverage to meet your needs. Because of the large number of options we can avoid trying to ‘Fit” a customer into a policy that does not completely match their needs.
Discounts on Car Insurance
Urban will search through our Digital Comparison Rater to offer every availible discount so as to provide you with the lowest price. Our discounts include “Good student,” Renewal and Transfer rates, “Safe driver,” “Loss-Free” and multi-policy Every attempt will be made to find ways lower /our auto insurance rates.
BBB Accredited Business
Urban Insurance Agency is proud to state that the we have been awarded an A+ rateing from the Better Business Bureau®. We work to address every concern and question from our ever-growing family of customers.
No Credit Score
More and more companies are running credit checks prior to providing an insurance quote. The cost of bad credit can often be greater than having several tickets on your driving record. Urban Insurancedoes not surcharge for credit. This can save you hundreds of dollars. At Urban, “Poor Credit” or “No Credit” is never a problem!
Over 50 Years of Experience
Urban has over 50 years experience helping drivers in Illinois and Indiana find the lowest rates on their Car Insurance, while providing the personal care and attention that our customers deserve and have grown to expect. We have the trained staff with the experience to answer all of your questions.
While URBAN INSURANCE AGENCY has grown to one of the larger auto insurance agencies in Chicago, we have grown we have never lost sight of our commitment to personal service. Every phone call is answered by a representative
We take pride that after 50 years in business we are providing insurance to the children and even grand children of some of our first customers.
Quote, Buy, and then Print your Policy
Have Questions or Prefer to Talk to an Insurance Agent?
If you have a question, please contact us at 1-800-680-0707.
Our friendly and professional auto insurance agents are available to talk to you Monday – Saturday from 8:00A – 6:00P Central Time.