Best Car Insurance in Illinois for 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Powered by Coverage.com (NPN: 19966249) Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Best car insurance in Illinois for 2022
June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics. Updated Nov 03, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
Nationally, the average annual premium for full coverage car insurance is $1,771. Drivers in Illinois, however, could expect to pay less, with an annual average of $1,533. Although an affordable rate is essential, Bankrate understands that every driver has unique needs when it comes to car insurance. Premium may be top-of-mind for some, but for others, a full-service website and mobile app could be a priority. Considering this, Bankrate used proprietary rate data coupled with decades of industry experience to analyze a wide array of metrics to bring you the best car insurance in Illinois. Key takeaways With an annual full coverage premium of $1,533, car insurance in Illinois is, on average, 15 percent less than the national average of $1,771. Although Illinois' rates may be lower than average, drivers in Chicago can expect to pay more with an average annual full coverage rate of $2,069. Our extensive research shows you could find the best auto insurance in Illinois with Travelers, Geico and Erie. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Illinois
Using proprietary rate data provided by Quadrant Information Services, Bankrate uncovered the companies that may offer the cheapest auto insurance in Illinois for both full and minimum coverage policies. In addition to rates, we reviewed other essential factors such as J.D. Power customer satisfaction ratings, AM Best financial strength ratings, mobile accessibility and coverage add-on options. Using this information, we issued each company a Bankrate Score, ranging from 0.0 to 5.0 (with 5.0 being the highest score possible). Our goal is to give shoppers the information they need to have a holistic view of Illinois' .
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Illinois
The average annual premium for full coverage auto insurance in Illinois is $1,533. For minimum coverage, the Illinois average is $475. Based on rate data provided by Quadrant Information Services, Travelers, Geico, Erie, Auto-Owners and Mercury topped Bankrate's roundup as some of the best car insurance companies in Illinois. To help you choose the best car insurance provider for you, we broke down these carriers by their average annual premium, customer satisfaction score from and an individualized Bankrate Score. Based on Bankrate's research, the companies offering the best auto insurance in Illinois are: Insurance company J.D. Power score (North Central region) Average annual full coverage premium Average annual minimum coverage premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central region) 818 /1,000 Average annual full coverage premium $1,275 Average annual minimum coverage premium $485 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central region) 847 /1,000 Average annual full coverage premium $962 Average annual minimum coverage premium $268 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central region) 876 /1,000 Average annual full coverage premium $1,069 Average annual minimum coverage premium $545 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central region) 834 /1,000 Average annual full coverage premium $1,188 Average annual minimum coverage premium $343 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (North Central region) Not rated Average annual full coverage premium $998 Average annual minimum coverage premium $302 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Travelers offers one of the most affordable average full coverage premiums in Illinois, based on our research. In addition, the insurer offers a menu of discounts that could help you save even more off your premium. You can also add numerous endorsements to your policy, including new car replacement and ridesharing coverage. However, Travelers did receive the lowest average J.D. Power score for claims satisfaction of the companies on our list. Read full Pros and cons CheckmarkPros Offers rideshare insurance coverage to Illinois drivers Long list of discounts to help drivers save on car insurance expenses Close XCons Performed below average in the North Central region of J.D. Power's 2022 Auto Insurance Study Mobile app received mixed ratings, especially for Android users Average annual premium by city Illinois city Travelers full coverage premium Travelers minimum coverage premium Chicago, IL $1,767 $634 Elgin, IL $1,037 $425 Peoria, IL $1,171 $443 Rockford, IL $1,045 $419 Springfield, IL $1,103 $425 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview If budget is your primary concern, Geico may be a good choice. The company consistently offers low premiums and a suite of discounts that might help you save even more. You could earn a discount for being a member of the military, a safe driver or a federal employee and if you have vehicle safety equipment. However, Geico's policies are relatively basic. If you prioritize policy personalization, you may want to consider other providers. Read full Pros and cons CheckmarkPros Extra discounts for those who are in qualifying occupations or members of partner organizations Fairly competitive premiums compared to the state average Close XCons Limited list of optional coverage Few in-person locations Average annual premium by city Illinois city Geico full coverage premium Geico minimum coverage premium Chicago, IL $1,152 $312 Elgin, IL $816 $251 Peoria, IL $902 $256 Rockford, IL $819 $246 Springfield, IL $1,006 $265 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview With the highest customer satisfaction rating in J.D. Power's 2022 U.S. Auto insurance study, you may want to request a quote from Erie if you're looking for a car insurance company that provides excellent service. Additionally, AM Best granted Erie an A+ (Superior) score for financial stability. However, compared to other companies, you may find Erie's technological capabilities lacking, so you may have better options if you need a full-service online portal and mobile app. Read full Pros and cons CheckmarkPros Highly-rated customer service Strong financial strength scores Close XCons Mobile app experience may not be as strong as other car insurance carriers May not be ideal for policyholders who more frequently due to limited state availability Average annual premium by city Illinois city Erie full coverage premium Erie minimum coverage premium Chicago, IL $1,386 $696 Elgin, IL $979 $524 Peoria, IL $895 $443 Rockford, IL $928 $459 Springfield, IL $833 $383 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Auto-Owners offers reliable auto coverage with a personal touch through a network of independent agents. To get an Auto-Owners insurance policy, you must work with an agent in your area rather than purchasing a policy online. Auto-Owners offers standard auto insurance coverages plus several endorsements to personalize your policy, including diminished value coverage and gap insurance. The company also offers numerous discounts that might help you save on your premium. Read full Pros and cons CheckmarkPros Local, independent agents available for in-person service Unique array of optional coverage available Close XCons Performed below average in J.D. Power's 2022 U.S. Auto Insurance Study Digital tools, including online portal and mobile app, may not be as easy to use as competitors Average annual premium by city Illinois city Auto-Owners full coverage premium Auto-Owners minimum coverage premium Chicago, IL $1,420 $431 Elgin, IL $1,062 $340 Peoria, IL $1,021 $304 Rockford, IL $1,049 $305 Springfield, IL $1,046 $302 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Along with offering affordable premiums, Mercury may also be a good company for rideshare drivers. Not all Illinois car insurance companies offer rideshare insurance, but Mercury may be able to provide this coverage for less than a dollar a day. However, Mercury has a higher-than-average rate of per the NAIC, and they were not rated by J.D. Power in 2022. As such, it may be worth your time to seek out others who insure with Mercury to ask about their experience. Read full Pros and cons CheckmarkPros Options available for rideshare drivers Mobile app and online portal available for digital policy management Close XCons Lower financial strength rating from AM Best compared to other carriers on this list Was not ranked by J.D. Power in its 2022 Auto Insurance Survey for the North Central region Average annual premium by city Illinois city Mercury full coverage premium Mercury minimum coverage premium Chicago, IL $1,194 $335 Elgin, IL $952 $318 Peoria, IL $886 $287 Rockford, IL $955 $300 Springfield, IL $908 $284 Answer a few questions to see personalized rates from top carriers. Auto Car Guides Looking to save money on auto insurance
Compare rates & save Compare rates & save ADVERTISEMENT Get my free quote Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Average cost of car insurance in Illinois
The in the U.S. is $1,771 annually for a full coverage policy, whereas the is $1,533 per year. These rates are 2022 quoted annual premiums from Quadrant Information Services. Rates may vary for each driver by provider. Although drivers near Chicago may find that their premiums are higher than the state average due to the higher likelihood of accidents on the area's congested roadways, most of Illinois pays lower-than-average premiums for car insurance when compared on a national level. Regionally, however, Illinois is higher than many states in the Midwest. drivers, for instance, pay an average of $1,246 annually for full coverage. Rates in are similar to Wisconsin's, averaging $1,242 per year. Although lower than the national average, Illinois rates may be higher than in neighboring states due to Chicago's increased risk. Average annual premium for minimum coverage in Illinois Average annual premium for full coverage in Illinois $475 $1,533
Illinois city Average annual premium for full coverage Average annual premium for minimum coverage $2,069 $627 Elgin $1,381 $456 Peoria $1,338 $417 Rockford $1,361 $423 Springfield $1,341 $411 How to find the best car insurance in Illinois
The best car insurance company will vary from driver to driver. Some Illinois motorists value paying via a mobile app or diverse coverage options while others are looking for the cheapest premium available. Regardless of your preferences, the steps below can help you find the best car insurance in Illinois for your lifestyle. Consider minimum insurance requirements in Illinois
When determining what coverage you need, you may want to look into Illinois car insurance laws and . Specific limits and minimum liability requirements can be found on the website. If you purchase higher limits of uninsured motorist coverage, you will also be required to purchase underinsured motorist coverage. Uninsured motorist coverage protects your finances if you are hit by a driver who has no insurance; underinsured motorist coverage is designed to help pay the overage if the driver who hit you does not have enough coverage to pay for your damages. Consider lender requirements
If you finance or lease your vehicle, lenders often require . In addition to liability coverage, you may also be required by your lender to purchase collision and comprehensive coverage to insure the vehicle. If you damage or total your vehicle, lenders need to make sure funds are available to pay the damages to repair your vehicle. You may also want to consider purchasing for newer financed vehicles. Gap insurance will pay the value between what the car is worth and what you owe on the vehicle if it's totaled in a covered accident or stolen & unrecoverable. Consider your individual needs
Car insurance is a highly-personalized product, so no one company is best for all drivers. For instance, some drivers may need to carry , so they must find a company that can accommodate that. Others could work a non-standard work schedule, so instead of local offices, they may need a company that is open 24/7 via a customer service hotline. While a company's overall rate is essential when shopping for the best car insurance in IL, it's also vital to prioritize any other individual needs that you may have. Car insurance discounts in Illinois
If you're looking for the best auto insurance in Illinois while living on a budget, are a great way to lower your car insurance premium. If you qualify for any of the following discounts, you may want to that offer these deals: Young driver discounts: If you have a student in your family, there could be numerous ways to save. Your young driver may qualify for a good student discount if they get good grades, a distant student discount if they go to college without a vehicle or a safe driver discount if they took an approved driver training course. Safe driver discounts: Those with clean driving records or no previous claims may qualify for lower rates. You may also be able to participate in a , in which a company installs a device that tracks your driving in real-time and rewards safe practices. Other discounts: Your company may offer a discount for completing an online . Depending on your company's guidelines, you may pay a small fee to enroll in the class, but your discount savings could outweigh this cost. However, not all companies offer this discount, so you will have to contact your agent for details. When shopping for car insurance, Illinois residents may want to keep in mind that every insurance company has a different set of discounts. Talking to an agent or researching discounts on a company's website may help you identify areas you could save. Frequently asked questions
The best auto insurance in Illinois and the company will depend on the individual. Your specific rating factors in Illinois, like age, gender, driving history, the type of car you have and the coverage that you choose, may all impact your premium. Getting quotes from several companies can be beneficial; you may be able to compare premiums, coverages and available discounts to choose the company that suits your needs.
Illinois car insurance is lower than the national average. Drivers in Illinois pay, on average, $1,533 a year for a full coverage policy. The national average full coverage rate, however, is $1,771. The average rate for minimum Illinois auto insurance is $475 per year. Countrywide, this figure is $545. These lower-than-average rates could be due to a lower risk of car accidents in the state, although you may pay more if you live in or around the Chicago area.
is a serious offense. You could face a fine of up to $1000, a suspended registration or license, an impounded vehicle and higher insurance premiums. You may also have to pay additional fees to reinstate your registration or license and could even face a waiting period of several months if you are a repeat offender. If you cause an accident without insurance coverage, you will be responsible for the damages out of pocket.
Based on Bankrate's research, Geico, Mercury and Auto-Owners offer some of the on average. However, every driver's rates will vary based on a few different factors, including their and driver profile, which includes your driving record, any at-fault accidents, years of driving experience and more. An insurance company may also factor in the type of vehicle you drive, your annual mileage as well as the policy options you want and discounts you qualify for. Given how much rates can vary, the best way to find the cheapest car insurance policy is typically to shop around, request insurance quotes and inquire about available discounts. Written by June Sham Insurance Writer June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics.