Mokena residents who work with an independent agency gain access to multiple carrier options, personalized policy reviews, and local agents who understand Will County’s specific weather risks, commuter patterns, and property values. Hicks Insurance Group builds coverage around each household’s actual exposure rather than defaulting to minimum limits, which is why 97.5% of the agency’s 1,414 Google reviewers gave a five-star rating. Whether you need auto, home, commercial, or life insurance, the Mokena headquarters team matches your coverage to your life stage and budget.
Choosing an insurance agency is a trust decision. Mokena residents consistently choose Hicks Insurance Group for reasons that go beyond price. Here are the proof points behind that trust.
Mokena sits in Will County, roughly 35 miles southwest of downtown Chicago. That geography creates specific insurance exposures: lake-effect storms, basement flooding from heavy rainfall, hail damage to roofing, and high-traffic commuter corridors along I-80 and Route 45. Illinois law sets auto insurance minimums at 25/50/20 (bodily injury per person/per accident and property damage), but those state minimums rarely provide adequate protection for Mokena homeowners with real assets to protect.
Hicks Insurance Group has operated from Mokena since 1998. The headquarters office serves as the hub for all 27+ team members across personal lines, commercial lines, and life insurance departments. Call (708) 532-7474 to schedule a free policy review or request a quote. Whether you need auto, home, business, or life insurance, the Mokena team is ready to build coverage that fits your situation — not a one-size-fits-all template.
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If you are new to Hicks Insurance, you probably have some questions. Let's help you get some answers.
Illinois law requires all drivers to carry minimum liability insurance coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. However, as experienced Mokena insurance agents, we strongly recommend higher limits for proper protection. At Hicks Insurance, we typically recommend at least 100/300/100 coverage. Contact our Mokena office at (708) 532-7474 for a personalized auto insurance review.
Mokena drivers can access numerous auto insurance discounts including multi-policy bundling (save 15-25% by combining home and auto), safe driver discounts, good student discounts for young drivers, defensive driving course credits, and low-mileage discounts. As an independent agency representing 14+ carriers, Hicks Insurance compares rates to find you the best combination of coverage and savings. Call (708) 532-7474 for your personalized quote.
Adding a teen driver typically increases auto insurance premiums by 50-100% in Mokena and throughout Illinois. However, significant savings are available through good student discounts (B average or better), driver education course completion, and Illinois graduated licensing compliance. We also recommend considering which vehicle teens drive, as older, safer vehicles cost less to insure. Contact Hicks Insurance at (708) 532-7474 for strategies to manage teen driver costs while maintaining proper coverage.
Illinois law requires all drivers to carry minimum liability insurance coverage of 25/50/20. However, as experienced Mokena insurance agents, we strongly recommend higher limits for proper protection. Contact our Mokena office at (708) 532-7474 for a personalized auto insurance review.
Mokena drivers can access numerous auto insurance discounts including multi-policy bundling, safe driver discounts, good student discounts, and defensive driving course credits. Hicks Insurance compares 14+ carriers to find you the best rates. Call (708) 532-7474 for your quote.
Adding a teen driver typically increases premiums by 50-100% in Mokena. However, good student discounts and driver education credits can help reduce costs. Contact Hicks Insurance at (708) 532-7474 for strategies to manage teen driver costs.
Homeowners insurance in Mokena covers your dwelling, personal property, liability protection, and additional living expenses if your home becomes uninhabitable. Given Will County weather risks including tornadoes and hail, we recommend comprehensive coverage with replacement cost valuation. Hicks Insurance helps ensure your Mokena home has proper protection. Call (708) 532-7474.
While not required for most Mokena homes, flood insurance provides valuable protection especially for properties near Marley Creek or other waterways. Standard homeowners policies do not cover flood damage. NFIP and private flood insurance options are available through Hicks Insurance. We can assess your flood risk and coverage needs at (708) 532-7474.
Mokena homeowners typically choose deductibles between $1,000 and $2,500. Higher deductibles lower your premium but increase out-of-pocket costs during claims. Consider your financial situation and claims history when choosing. Hicks Insurance agents help you find the right balance between premium savings and manageable deductibles. Call (708) 532-7474.
Mokena small businesses typically need general liability insurance, commercial property coverage, and workers compensation (required in Illinois for businesses with employees). Depending on your industry, you may also need professional liability, commercial auto, or cyber insurance. Hicks Insurance specializes in protecting local businesses. Call (708) 532-7474 for a business insurance review.
If you use vehicles for business purposes in Mokena, you likely need commercial auto insurance. Personal auto policies typically exclude business use. Commercial auto covers delivery vehicles, company cars, and work trucks with higher liability limits appropriate for business operations. Contact Hicks Insurance at (708) 532-7474 for commercial auto quotes.
Most Mokena families need life insurance coverage of 10-12 times their annual income to replace lost earnings, pay off mortgages, and fund education costs. Factors like existing savings, debts, and number of dependents affect your specific needs. Hicks Insurance provides free life insurance needs analysis. Call (708) 532-7474.
Term life insurance provides affordable coverage for a specific period (10-30 years), ideal for income replacement during working years. Whole life insurance offers lifetime coverage with cash value accumulation but costs more. Many Mokena families benefit from term insurance. Hicks Insurance agents help determine the right fit. Call (708) 532-7474.
Mokena residents typically save 15-25% by bundling home and auto insurance with the same carrier. Additional savings come from adding umbrella liability coverage to your bundle. As an independent agency, Hicks Insurance compares bundled rates from 14+ carriers to maximize your savings while ensuring proper coverage. Call (708) 532-7474.
Hicks Insurance provides most insurance quotes within 24 hours, often same-day for straightforward requests. We compare rates from 14+ carriers to find you the best coverage and price combination. Bring your current policy declarations for the fastest quote process. Call (708) 532-7474 or visit our Mokena office.
Illinois has specific insurance requirements including mandatory auto liability coverage (25/50/20 minimums), workers compensation for employers, and various consumer protections. The Illinois Department of Insurance regulates all policies sold in the state. Hicks Insurance ensures your coverage meets all Illinois legal requirements. Call (708) 532-7474 for compliance guidance.
Local Mokena agents provide personalized service, claims advocacy, and expert guidance that online providers cannot match. Hicks Insurance has served the Mokena community since 1998, offering face-to-face consultations and same-day responsiveness. We focus on proper coverage and client education, not just finding the cheapest premium. Call (708) 532-7474.
Illinois requires minimum auto liability of 25/50/20, but Mokena drivers with homes, savings, or other assets should carry at least 100/300/100. An umbrella policy adds another $1M+ in liability protection for roughly $200-$400 per year. Your Hicks agent will calculate the liability gap between state minimums and your actual asset exposure during a free consultation.
Standard homeowners insurance typically excludes surface water flooding and sewer backup. Mokena properties, especially those near Hickory Creek or in lower-elevation areas, need a separate flood insurance policy (NFIP or private) and a sewer backup endorsement on their homeowners policy. Both are available through the carriers Hicks Insurance Group represents.
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