Geneva Insurance Group is a fully-remote independent agency licensed in Illinois. We work with 25+ A-rated carriers to find the right coverage at the right price for Illinois drivers, homeowners, and business owners — from Chicago and the collar counties through Springfield, Champaign-Urbana, Rockford, and rural downstate.
Illinois requires minimum 25/50/20 liability + 25/50 uninsured motorist. We almost always recommend higher — a single ER visit can exceed $25k. We compare Progressive, Travelers, Safeco, and 22+ other carriers to find the lowest rate that gets you to recommended limits like 100/300/100 with collision and comprehensive.
Illinois homes face hail (Lake/Cook/DuPage counties), flooding along the Fox and Des Plaines rivers, and winter pipe-burst losses. We size dwelling coverage to actual rebuild cost (not Zillow), recommend higher wind/hail deductibles where appropriate, and add water-backup endorsement which standard policies exclude.
Renters and condo policies are remarkably cheap in Illinois — typically $12-$25/month — and we shop them like full home policies. Especially important in the Chicago metro where most landlords require proof of liability coverage.
Term life, whole life, and health insurance for Illinois residents through carriers licensed by the Illinois Department of Insurance. We help compare Marketplace plans, employer-sponsored options, and individual policies for self-employed professionals.
General liability, workers comp (mandatory in IL the moment you have an employee), commercial property, professional liability (E&O). Whether you're a contractor in Lake County or a SaaS startup in Chicago, we structure coverage to match your specific risk and contract requirements.
A $1M umbrella typically costs $200-$400/year in Illinois and stacks on top of your auto + home liability. Especially valuable for households with teen drivers, dog owners, pool owners, or anyone with significant home equity.
Geneva is a Hawthorn Woods, IL-based agency licensed throughout Illinois with the Department of Insurance. Our principals live in Lake County and know the local carrier appetite, which neighborhoods get steep flood quotes, and which carriers are paying claims fast right now.
We have appointments with the major standard carriers (Progressive, Travelers, Safeco, Nationwide, Hagerty), regional specialists, and surplus-lines markets for hard-to-place risks. Captive agents in IL can only show you one carrier's rate.
Cook, DuPage, Lake, Will, McHenry, Kane, Lake County, Champaign, Sangamon, Winnebago, Madison, Kankakee, and the rest — we write business in every IL county. Our fully-remote model means no drive time, no office overhead inflating your premium.
Quote requests submitted before 2pm Central typically receive a comparison spreadsheet (top 5 carriers ranked by price + coverage) the same day. No multi-week phone tag.
Illinois requires a minimum of 25/50/20 in liability coverage — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage per accident. You also must carry uninsured motorist bodily injury coverage at the same 25/50 minimum. These minimums are dangerously low — a single ER visit easily exceeds $25,000 — so most independent agents recommend at least 100/300/100. The Illinois Secretary of State enforces these requirements via random insurance verification letters.
It depends on your location. Standard homeowners insurance in Illinois excludes flood. If your home is in a FEMA designated Special Flood Hazard Area (SFHA — mostly along the Mississippi, Illinois, Fox, Des Plaines, and Rock rivers), your mortgage lender will require flood insurance through the National Flood Insurance Program (NFIP) or a private flood carrier. Even outside designated zones, ~25% of flood claims occur in low-to-moderate risk areas — worth getting a quote.
Illinois auto rates rose roughly 25-40% between 2022 and 2025 due to inflation in vehicle parts and labor costs, more severe weather (hail in particular), increased medical costs in liability claims, and litigation environment changes. Home rates are up similarly due to rebuild-cost inflation. Working with an independent agent that re-shops at every renewal is the most effective protection against these increases.
Yes. Illinois allows carriers to use credit-based insurance scores (different from FICO) to set premiums for auto and home insurance. Three states currently prohibit this (California, Massachusetts, Hawaii) — Illinois, Indiana, and Wisconsin all allow it. Improving credit over time will lower your premium at renewal, usually within 6-12 months.
Compare 25+ Illinois auto carriers in one quote conversation.
Illinois homeowners coverage tuned for hail, flood, and rebuild-cost inflation.
Workers comp, GL, professional liability for Illinois businesses.
$1M-$5M umbrella coverage for Illinois households — typically $200-$700/year.