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Underinsured motorist coverage. 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. Illinois law allows drivers to use an out-of-state license for 90 days before requiring an illinois license. I'd rather not go through insurance, so how much does it cost for car body repair? Illinois requires all of its drivers to have car insurance, but it can carry a hefty price tag.