Finding reliable car insurance in Frankfort, IL means working with an agency that understands both suburban commuter needs and rural driving challenges. At Hicks Insurance Group, we’ve been serving Frankfort residents since 1998, providing comprehensive auto insurance coverage tailored to your community’s unique characteristics—from busy Route 45 corridors to quiet country roads where deer crossings are common.
As an independent insurance agency with access to over 14 top-rated carriers, we help Frankfort drivers find the perfect balance of coverage and affordability. Whether you’re commuting to Chicago, navigating the Frankfort Square area, or driving rural back roads, we ensure you have protection that truly fits your lifestyle.
Ready to compare Frankfort car insurance rates? Call us at (708) 532-7474 for your free quote. Our office is conveniently located nearby at 19144 88th Avenue, Mokena, IL 60448.
Illinois mandates minimum liability coverage of $25,000/$50,000/$20,000. However, for Frankfort drivers who frequently travel Route 45 and I-57 to Chicago, we recommend higher limits ($100,000/$300,000/$100,000) to protect your assets from serious accident lawsuits. According to the Insurance Information Institute, average liability claims now exceed $20,000—making state minimums insufficient for many accidents.
Frankfort’s location along busy Route 45 means daily exposure to commuter traffic and multi-vehicle accident risks. Collision coverage protects your vehicle regardless of fault, essential for those traveling this corridor regularly. This coverage is particularly valuable during winter weather when accidents spike along icy stretches of Route 45 and LaGrange Road.
Frankfort’s blend of suburban development and rural landscapes creates unique insurance needs. Comprehensive coverage is essential for protection against:
The Insurance Institute for Highway Safety reports that animal collisions cause over $1 billion in vehicle damage annually nationwide. In Will County, deer collisions are particularly common during mating season (October-December) and dawn/dusk hours year-round.
Approximately 12% of Illinois drivers lack insurance. Uninsured/underinsured motorist coverage protects you when at-fault drivers can’t pay for your damages. This coverage is especially important for Frankfort residents who commute to Chicago, where uninsured driver rates are statistically higher.
We understand Frankfort’s unique character—a community that blends suburban amenities with rural charm. Our agents know the roads you drive, the risks you face, and the coverage that makes sense for your lifestyle.
Frankfort’s rural roads present unique hazards including wildlife, agricultural equipment, gravel surfaces, and limited lighting. We help you assess these risks and recommend appropriate comprehensive coverage limits—typically with lower deductibles ($250-500) given the frequency of deer collisions in this area.
Frankfort experiences distinct seasonal risks: winter ice on Route 45, spring flooding near creek areas, summer construction on US-30, and fall deer activity during harvest season. Year-round comprehensive coverage ensures you’re protected through all seasons.
Most Frankfort families have multiple vehicles. Multi-car discounts save 10-25% when you insure all vehicles with one carrier. We compare rates across all our partner carriers to find your best multi-vehicle package.
Nearly all Frankfort residents are homeowners. Bundling homeowners and auto insurance typically saves 15-30% on both policies while simplifying your insurance management with one agent and one payment schedule.
“After hitting a deer on Route 45, I was so glad I had comprehensive coverage through Hicks Insurance. They handled everything quickly and I had my car back in two weeks. Great local service!”
“Hicks Insurance found us great rates on our three family vehicles. The bundling discount with our home insurance saved us over $700 annually. Highly recommend for any Frankfort family!”
“As someone who commutes to Chicago daily, I needed good coverage at affordable rates. Hicks Insurance Group delivered both. Their agents really understand the challenges of driving in this area.”
Your liability insurance covers damages to others up to your policy limits. For Frankfort drivers who commute on busy roads, carrying adequate liability limits ($100,000/$300,000) protects your assets from lawsuits. Learn more →
Their liability insurance should cover your damages, but your uninsured motorist coverage and collision coverage provide backup protection if they lack adequate insurance. Learn more →
Teen drivers pay higher premiums, but good student discounts (B average or better), defensive driving courses, and being added to parents’ policies significantly reduce costs for Frankfort families. Learn more →
Yes! Bundling saves 15-30% on both policies. For Frankfort homeowners, this bundling strategy provides substantial annual savings while simplifying insurance management. Learn more →
Commercial auto covers vehicles used for business purposes. Frankfort contractors and business owners need this coverage as personal policies exclude business use. Learn more →
Don’t overpay for car insurance. Call Hicks Insurance Group at (708) 532-7474 to compare rates from over 14 top carriers and find the perfect coverage for your Frankfort driving needs.
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If you are new to Hicks Insurance, you probably have some questions. Let's help you get some answers.
If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.
Your business insurance needs are as unique as your business itself. While all businesses need certain types of coverage—general liability, business property, and workers’ compensation, for example—your other needs hinge on your type of business. If, for example, you use vehicles in your line of work, you need business auto insurance. Similarly, businesses that manufacture a product should consider product liability insurance. Talk to your agent to determine your exact needs.
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