Your car insurance rates are tabulated according to the premium policies of individual car insurance providers.

The Lowest Premiums Available

If you’re like most Illinois residents, you’re always on the lookout for a smart, reliable deal. And getting a competitive price on a policy can save you tons of money every year! That’s why an online car insurance matching service can help you save huge each month. Understanding the rates can help you determine the lowest pricing available.

How are my premiums calculated in this state?

Your premiums are tabulated according to the specific determinations of individual providers. This means that no two insurers offering coverage will necessarily calculate expenses using the exact same formula. But most reputable insurers will take the following information into account:

Personal Information

Personal information may include your age, gender and marital status. It may also include your home address or place of work, to the extent that these places are where your vehicle is primarily driven and parked.

Auto Information

Your driving record will affect your costs. Traffic violations or accidents will negatively impact your driving score, thus raising your costs. Additionally, the year and model of your vehicle may determine your rates.

Personal Credit

Providers may consider your personal credit history when determining your premiums.

Unlawful premium tabulation

While it is lawful for insurers to tabulate costs in the state with respect to age, gender, and marital status, it is unlawful for a provider to tabulate your expenses on the basis of race, religion, ethnicity, or national origin. If you suspect unlawful or discriminatory practices, contact consumer protection services with the Federal Trade Commission at