Illinois is a midwestern state that holds attractions of all kinds. Highly industrialized in the north, the southern part of the state gives it its nickname of “The Prairie State.” Drivers can find miles upon miles of crop fields spread across this agriculturally adept state. Soybean production actually out-produces Illinois’ other crops, and the state ranks first in producing this mutli-use bean. Drivers can enjoy legendary Chicago music and dining in the north and relaxing, cross-country drives in the south. Making sure drivers have all the necessary information for staying protected on their travels, CheapCarInsurance.net has gathered Illinois’ important car insurance facts in this easy-to-read list.
Illinois has more backroads than it can count, and drivers can get lost quickly without adequate preparation. This list of information can be used to prepare drivers for everything essential in Illinois’ car insurance concerns – except keeping drivers from getting lost on its backroads.
Illinois has banned texting and the use of handheld cell phone devices for all drivers, according to Distraction.gov. All cell phone use, whether hands-free or handheld, has been banned for bus drivers and novice drivers. All drivers, while driving in school or construction zones, are banned from all cell phone use.
Illinois boasts some great laws on its books. For instance, residents under the age of 21 may legally drink alcohol only if enrolled in a culinary program. In Normal, making faces at a dog is prohibited, and, for those who drive, “repetitive driving” down Moline’s 23rd Avenue is illegal!
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Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.
NAIC.org reports that Illinois’ insurance premiums have historically remained modestly below the national average. The state’s average auto insurance premiums as a percentage of income reached a record low in 2008 but has remained higher since then.
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The National Highway Traffic Safety Administration reports that Illinois’ drunk driving fatalities have steadily risen since 2010 with the exception of a dip in 2013. The numbers now surpass the national average by a wide margin.
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Illinois’ teen drinking and driving percentage edges out the national average percentage. The Center for Disease Control reports that Illinois accurately reflects the national average in this respect.
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The FBI holds promising news for Illinois’ vehicle theft numbers. Since 2011, when Illinois was almost on par with the national average, the state’s numbers have fallen off well below the nation’s.
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Illinois Department of Insurance
320 W. Washington
Springfield, IL 62767
(866) 445-5364
(217) 782-4515
www.insurance.illinois.gov
Get Directions
Illinois Department of Transportation
2300 S. Dirksen Parkway
Springfield, IL 62764
(217) 782-2937
www.dot.state.il.us
Get Directions
Illinois Secretary of State
Driver Services
213 State Capitol
Springfield, IL 62756
(800) 252-8980 toll free in Illinois
(217) 785-3000 out of state
www.cyberdriveillinois.com
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