How Illinois Drivers Can Save on Auto Insurance

Drivers in Illinois could save with Metromile’s pay-per-mile auto insurance.

Whether you live in Chicago, Peoria, or Springfield or closer to the Ohio River, chances are you could get more from your car insurance coverage.

Illinois drivers can save with pay-per-mile auto insurance and keep the same or better coverage.

How to save on auto insurance in Illinois

It’s shocking, but more than 124 million Americans, including many Illinois drivers, could be paying too much for car insurance because they do not pay per mile.

But there is a fairer alternative: Pay-per-mile auto insurance. Also known as “pay as you go” or “pay as you drive” auto insurance, these policies are based on how far you drive. This means you have more control over how much you want to pay for car insurance.

And the savings can be substantial. Drivers can save as much as $947 a year, and sometimes more, according to a recent survey of new customers who saved with Metromile.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

It’s free to find out whether Metromile and pay-per-mile auto insurance is right for you.

Metromile’s Ride Along™ helps drivers get a more accurate rate and understand whether they could save with pay-per-mile car insurance before they buy.

Illinois drivers can download the Metromile app and drive with us for about two weeks. Metromile observes your actual driving, including how many miles you drive, to show you your rate.

Some more good news: There are many discounts available for Illinois drivers.

Metromile customers who insure multiple cars on the same policy or install safety equipment or features in their cars could earn a lower rate. Senior drivers can save on auto insurance in recognition of their safer and mature driving practices.

How are auto insurance rates determined in Illinois?

Insurance companies in Illinois consider many factors when setting rates. Some of the most common include coverage limits and deductibles, claims history, driving history, vehicle type, vehicle theft rates, and many others.

Don’t forget to shop around for auto insurance regularly because rates can change over time. You don’t want to miss out on any savings.

Metromile pay-per-mile auto insurance can help drivers control their costs. Metromile customers’ bills update in almost real time because they pay per mile, which can be fairer for drivers.

Each month, Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven. The low monthly base rate keeps your car covered, even when you might not be driving, almost like how a cell phone provider might charge you a small fee to keep your telephone number and line operating.

What auto insurance coverage do I need in Illinois?

Making sure you have the right amount of car insurance is important for every driver. Metromile provides flexible and customizable coverage options for your lifestyle.

Illinois state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage, $20,000 in property damage liability coverage, and $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage. 

Many Illinois drivers choose higher limits or add comprehensive and collision coverage for extra peace of mind.

The bottom line

There are many ways to save on car insurance, and many Illinois drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support our community of drivers with familiar coverage and provide some value as a leading pay-per-mile auto insurance company in the U.S.

If you don’t drive often or find yourself driving less than you did before, you could save with Metromile. Find out how much you could save with a free quote or take a Ride Along™ to learn more.