Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Illinois

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Illinois Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

7133Reviewed

4286Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Palatine

Expertise.com Rating

Review Sources

Facebook
4.4 (7)

Why choose this provider?

NCR Insurance Group provides services to individuals, families, and commercial clients in Illinois. It offers auto insurance policies to help clients protect themselves against financial losses in case of an accident. It has property coverage to pay for the car damages or replacement of stolen cars. It also has liability coverage to pay for the injuries or property damage in case a client caused a vehicular accident. It also has motorcycle, home, and renters' insurance policies. This company has staff members that can speak Spanish.

Chicago

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Why choose this provider?

Metropolitan Insurance Group is an independent agency serving Illinois. Included in its product line is auto insurance, which covers losses resulting from traffic accidents and protects policyholders in case they injure others in a vehicle collision. With access to plans from numerous carriers, they agency can offer its clients the best insurance for their needs, at rates that fit their budgets. Some of the companies Metropolitan Insurance Group represents are Kemper, MetLife, Nationwide, and Progressive. It also protects individuals and businesses in Wisconsin, Indiana, and Michigan.

New Lenox

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Why choose this provider?

Langlois Insurance Agency is a family business that provides the best risk management assistance for individuals and businesses in Illinois. It offers auto insurance policies, which help drivers recover losses from collisions, theft, and weather-related damages. Its team of agents reviews and compares plans from multiple providers such as MetLife, Hagerty, and Dairyland, allowing them to find suitable coverages for clients. Langlois Insurance Agency is headed by second-generation owner Matt Langlois. He is a member of the Independent Agents Association of Illinois' executive committee.

Highwood

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Why choose this provider?

Brian Lock is an Illinois-based insurance professional, who is affiliated with State Farm. He designs auto insurance policies, which cover accidents caused by uninsured and underinsured motorists and damages resulting from collisions and vandalism. He also develops car protection plans that help clients recover losses in case they injure others. Lock, who speaks Spanish and Italian, also offers home, life, and business insurance. His State Farm agency has been in service for more than a decade.

Skokie

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Review Sources

Google
5.0 (29)
Yelp
5.0 (1)

Why choose this provider?

Free Range Insurance is an independent agency that caters to Illinois clients. It offers auto insurance and provides a wide range of coverage options, from collision and liability to roadside assistance and uninsured motorist coverage. The independent agency obtains quotes from multiple carriers, including State Auto and Travelers, to help car owners find appropriate insurance policies. It also sets up insurance products for owners of motorcycles and recreational vehicles. Free Range Insurance supports various non-profit organizations, including the Illinois Fire Safety Alliance.

Decatur

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Review Sources

Google
5.0 (34)
Facebook
5.0 (24)

Why choose this provider?

Richland Insurance Services offers car insurance policies to clients in Illinois. These cover losses caused by fire, theft, and accidents. It also offers other personal insurance products that protect homeowners, motor homes, pets, rental properties, and snowmobiles. The firm provides tailored services appropriate for clients' short-term and long-term needs. As an independent company, it represents multiple insurance carriers, including AAA, Erie Insurance, Hagerty, and Progressive. Richland Insurance Services was founded in 2014 by Toby Koonce and Shane Major.

Joliet

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Review Sources

Google
5.0 (6)
Facebook
5.0 (6)

Why choose this provider?

DMT Insurance Service Inc. provides services to individuals and businesses in Illinois. It offers auto insurance policies that protect clients against financial losses in case of accidents. Its auto insurance policies cover repairs or replacement of stolen cars, liabilities to others, and medical and funeral expenses. It conducts an assessment of the clients' needs and makes recommendations based on their priorities. It also has coverage for personal injury protection, uninsured motorist, collision, and comprehensive coverage. The company can assist clients 24/7.

Springfield

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Review Sources

Google
5.0 (364)
Facebook
5.0 (160)

Why choose this provider?

Bailey Family Insurance is an independent agency that serves individuals and businesses in Illinois. It offers auto insurance policies to help clients protect themselves from financial losses as a result of accidents. It has various coverage options, such as bodily injury liability, property damage, and collision coverage. It also has comprehensive coverage options, which also protect the policyholders' cars in case they get damaged by animals or rocks. Its president and co-founder, Mark Bailey, has been in the industry for 10 years.

Springfield

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Review Sources

Google
5.0 (3)

Why choose this provider?

Prairie State Insurance Agency, Inc., offers some of the best risk management solutions for individuals and businesses across Illinois. It provides protection plans for drivers of cars, motorcycles, and recreational vehicles. It also insures farms, whether for personal or commercial use, as well as watercraft and homes. The independent company, which represents over 30 insurance carriers, is also licensed to write policies for residents in Washington, Idaho, and Missouri. It is affiliated with the Independent Insurance Agents of Illinois.

Chicago

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Why choose this provider?

For over 40 years, Clover Insurance has been serving clients across Illinois. It strives to offer the best auto insurance products to help various types of clients, from teenagers to elderly drivers, comply with state laws. The agency also educates policyholders on areas like property damage and bodily injury coverage. It sets up other vehicle-related insurance products, including rideshare plans. Its other insurance solutions include homeowners' plans. The agency is a family-operated business, and its staff is fluent in Spanish.

Champaign

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Why choose this provider?

GTPS Insurance Agency has been serving customers in Illinois since 1997. The independent agency is a division of Park Avenue Service Corporation, a subsidiary of the First Federal Savings Bank of Champaign-Urbana. It offers a wide range of personal products, including auto, motorcycle, home, life, and health insurance. These policies provide coverage to clients and their properties in the event of loss or damage. Its agents aim to help customers find the coverage that best fits their needs. They also offer workers' compensation and group benefits coverage.

Cerro Gordo

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Why choose this provider?

Chapman-Henricks Insurance Agency Inc. is a locally operated business that serves Illinois. Helping customers find the best insurance products, the independent agency partners with various carriers, including Safeco, Nationwide, Great American, Forreston Mutual, and Auto-Owners Insurance. It offers a wide selection of risk protection plans, including auto, motorcycle, home, life, and health insurance. Its other products include business, property liability, workers' compensation, commercial property, and crop insurance. Company president Todd Henricks has been featured on WCIA News.

Macomb

Expertise.com Rating

Review Sources

Google
5.0 (144)
Facebook
4.3 (26)

Why choose this provider?

Purdum Gray Ingledue Beck Insurance & Investments serves individuals and businesses in Illinois. It offers auto insurance policies to help clients protect their personal assets and future earnings. It works with them to determine their insurance needs and partners with various carriers to provide the coverage that meets the clients' requirements and budgets. The firm also has insurance policies that can cover disabilities, health, and Medicare Supplements. It was founded in 1926 as a one-man operation company and later grown into a fully staffed, independent insurance agency.

Crest Hill

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (10)

Why choose this provider?

Based in Illinois, Confer Insurance Agency, LLC, provides financial solutions to its clients. It advises classic and modern car owners on issues involving auto insurance. The agency also writes policies for vehicles like motorcycles, ATVs, and snowmobiles. In addition, it offers an umbrella insurance plan to help clients manage vehicle-related liability claims. As an independent enterprise, Confer Insurance Agency partners with various carriers, including State Auto, Travelers, Liberty Mutual, and Hagerty, to craft the best insurance options for its customers.

Decatur

Expertise.com Rating

Why choose this provider?

Mike Mandrell is an Illinois State Farm insurance agent. He designs different types of protection plans, including car insurance, which covers vehicle damage resulting from collisions and financial losses from accidents caused by underinsured and uninsured motorists. He also writes policies that protect rideshare drivers and include emergency road service coverage. Additionally, he offers renters' and homeowners' insurance. Mandrell is a longtime Illinois resident, who has been protecting clients under State Farm for more than 20 years.

Mount Sterling

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Why choose this provider?

Yingling & Nuessen Insurance Agency is a multi-line insurance agency that serves Illinois residents. Almost $35 million in premium has been managed by the independent agency, which has been in business for over 40 years. It offers a wide range of products, including auto, home, business, farm, life, and health insurance, aiming to protect the client's family and hard-earned assets. The company works with various insurance carriers, including Progressive, Travelers, and Badger Mutual. It is also a Trusted Choice agency.

Downers Grove

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
1.0 (1)

Why choose this provider?

Since 1951, Schulz-Brundage, Inc., has been providing insurance solutions to clients in Illinois. It offers car insurance and sets up policies that cover vehicles like classic cars, motorcycles, and ATVs. The family-owned and family-operated agency manages other personal insurance solutions, including life and homeowners' plans. It also deals with commercial insurance and advises business owners on policies that cover areas like workers' compensation and cyber liability. It is partnered with multiple carriers, from Travelers and MetLife to Liberty Mutual and The Hartford.

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.