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Bodily injury Liability. We explain illinois car insurance laws and provide average illinois auto insurance rates for your neighborhood. Re listing the best car insurance companies in illinois based on price, value, claims satisfaction, duis, speeding tickets, at-fault accidents, and other factors. Adjusting your coverage limits, foregoing extras like towing or rental car coverage, and looking for discounts can also help reduce the cost of car insurance. Illinois auto insurance rates come in much lower than the national average, which means illinois drivers often score affordable premiums. The cost of car insurance in illinois varies depending on where you live. Check out some of the discounts that may be available on your illinois auto insurance policy.