Finding reliable car insurance in Mokena, IL doesn’t have to be complicated. At Hicks Insurance Group, we’ve been helping Mokena drivers protect their vehicles and their families since 1998. As an independent insurance agency, we partner with over 14 top-rated carriers to find you the best coverage at competitive rates.
Whether you’re commuting to Chicago on I-80, navigating Route 45, or driving the local streets of Mokena, having the right car insurance gives you peace of mind. We understand the unique driving challenges our community faces—from winter weather hazards to busy commuter traffic—and we tailor coverage to meet your specific needs.
Ready to compare car insurance rates? Call us today at (708) 532-7474 for your free quote. Our Mokena office is conveniently located at 19144 88th Avenue, Mokena, IL 60448.
Car insurance isn’t just about meeting Illinois state requirements—it’s about protecting your investment and your financial future. We offer a complete range of auto insurance coverages designed to fit your driving lifestyle and budget.
Illinois law requires all drivers to carry minimum liability insurance covering bodily injury and property damage. The state mandates at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. However, many Mokena drivers choose higher limits to protect their assets from potentially devastating lawsuits.
According to the Insurance Information Institute, the average auto liability claim for bodily injury was $20,235 in 2023—approaching Illinois minimum coverage limits. We typically recommend liability coverage of at least $100,000 per person and $300,000 per accident for better financial protection.
Collision coverage pays for damage to your vehicle from accidents, whether you’re at fault or not. This coverage is especially valuable for Mokena drivers who commute on I-80 or Route 45, where multi-vehicle accidents are more common during rush hour. If you finance or lease your vehicle, your lender will typically require collision coverage.
Comprehensive coverage protects your vehicle from non-collision events including theft, vandalism, weather damage, and animal collisions. For Mokena residents, this coverage is particularly important given our location near rural areas where deer collisions are a real risk, especially along Route 45 and Wolf Road during dawn and dusk hours.
The Insurance Institute for Highway Safety reports that animal collisions cause over $1 billion in vehicle damage annually. Comprehensive coverage ensures you’re not paying out of pocket for these unpredictable incidents.
Despite Illinois insurance requirements, approximately 12% of drivers remain uninsured according to the Insurance Information Institute. Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you when an at-fault driver has no insurance or insufficient coverage to pay for your injuries and damages.
This coverage is especially critical for Mokena families who frequently travel on busy Chicago-area highways where the risk of multi-vehicle accidents is higher. UM/UIM coverage ensures you and your passengers receive compensation for medical bills, lost wages, and pain and suffering even when the responsible driver lacks adequate insurance.
Medical payments coverage (MedPay) pays for medical expenses for you and your passengers after an accident, regardless of who’s at fault. Personal injury protection (PIP) provides broader coverage including medical costs, lost wages, and funeral expenses.
Mokena is more than just our office location—it’s our home. We understand the driving patterns of our community: the morning commutes to Chicago, the school drop-offs along Wolf Road, and the weekend trips to local shopping centers. This local knowledge helps us recommend coverage that truly fits your lifestyle.
Many Mokena residents commute to Chicago for work, logging significant highway miles on I-80 and I-57. High-mileage drivers may qualify for usage-based insurance programs that reward safe driving habits and can reduce premiums significantly. We’ll help you explore telematics programs that track your driving and offer discounts for cautious behavior.
Most Mokena households have multiple vehicles. Insuring all your cars with one carrier typically saves 10-25% on your combined premiums. We’ll compare multi-car rates across all our partner carriers to find your best deal.
Bundling your homeowners insurance with your auto insurance can save you 15-30% on both policies. Since most Mokena residents are homeowners, this bundling strategy delivers substantial savings while simplifying your insurance management with one agent and one payment.
Adding a teen driver to your policy can be expensive, but we help Mokena families minimize this cost through good student discounts, defensive driving course credits, and monitoring programs. Many carriers offer discounts up to 25% for students maintaining a B average or better.
“We understand that car insurance is a significant expense for Mokena families, especially with teen drivers. That’s why we take the time to explore every available discount and coverage option. Our independent agency model means we’re working for you, not the insurance company.”
If your vehicle is being repaired after a covered loss, rental car coverage reimburses you for the cost of a rental vehicle (typically up to $30-50 per day). This coverage ensures you maintain mobility while your car is in the shop, which is especially important for Mokena commuters who depend on their vehicles for work.
Roadside assistance coverage provides 24/7 help for common vehicle problems including:
This coverage typically costs just $10-20 per year and provides valuable peace of mind, particularly during harsh Illinois winters when vehicle breakdowns are more common.
If you financed your vehicle with a small down payment, gap insurance covers the difference between what you owe on your auto loan and what your car is worth if it’s totaled. According to Carfax, new vehicles lose approximately 20% of their value in the first year—making gap coverage essential for many new car buyers.
If you’ve added aftermarket accessories like upgraded sound systems, custom wheels, or performance modifications, standard auto insurance may not cover these enhancements. Custom parts and equipment coverage ensures your investments are protected.
At Hicks Insurance Group, we believe great coverage shouldn’t break the bank. We help Mokena drivers access numerous discounts that can significantly reduce their premiums:
According to the National Association of Insurance Commissioners, the average policyholder qualifies for 3-5 discounts. Our experienced agents review every available discount to ensure you’re getting the absolute best rate possible.
“Hicks Insurance Group made switching my car insurance so easy. They compared rates from multiple companies and found me better coverage for less money. Plus, they’re right here in Mokena which makes everything more convenient.”
“After our teen got her license, our insurance quote was astronomical. The team at Hicks Insurance found us a policy with good student discounts and explained all our options clearly. They really care about their customers.”
“I bundled my home and auto insurance with Hicks Insurance and saved over $800 a year. They made the whole process painless and I know I can call them anytime I have questions. Highly recommend for any Mokena driver!”
Join over 1,414 customers who trust Hicks Insurance Group. Our perfect 5.0-star Google rating reflects our commitment to exceptional service and competitive rates for Mokena drivers.
We’ve helped thousands of Mokena residents find the right car insurance coverage. Here are answers to the questions we hear most often:
If you cause an accident, your liability insurance covers damages to other people and their property up to your policy limits. This includes medical expenses for injured parties, vehicle repairs, and potential legal fees if you’re sued. It’s crucial to report the accident to your insurance company immediately and cooperate fully with their investigation. Carrying adequate liability limits (we recommend at least $100,000/$300,000/$100,000) protects your assets from lawsuits exceeding minimum state requirements. Learn more about at-fault accidents →
If another driver is at fault, their liability insurance should cover your vehicle damage and medical expenses. However, if they’re uninsured or underinsured, your uninsured/underinsured motorist coverage protects you. You can also file a claim under your own collision coverage and let your insurance company pursue reimbursement from the at-fault driver’s insurer (called subrogation). This typically gets your car repaired faster without waiting for the other insurance company’s decision. Learn more about not-at-fault accidents →
Teen and young drivers typically pay higher insurance premiums due to their inexperience and statistically higher accident rates. However, several strategies can reduce these costs: maintaining good grades (B average or better) for student discounts, completing defensive driving courses, being added to parents’ policies rather than purchasing separate coverage, and driving older, less expensive vehicles. Many insurance companies also offer monitoring programs that reward safe driving with significant discounts. At Hicks Insurance, we specialize in finding affordable coverage options for Mokena families with teen drivers. Learn more about teen driver insurance →
Yes! Bundling your home and auto insurance with the same carrier typically saves 15-30% on both policies. This multi-policy discount is one of the most significant savings opportunities available to Mokena homeowners. Beyond the financial savings, bundling simplifies your insurance management with one agent, one payment, and coordinated coverage that may reveal gaps or redundancies. As an independent agency, we can compare bundled rates across all 14+ of our partner carriers to ensure you’re getting the absolute best combination of coverage and price. Learn more about bundling discounts →
Commercial auto insurance covers vehicles used primarily for business purposes, including delivery vans, service trucks, company cars, and vehicles carrying business equipment. Personal auto insurance policies typically exclude coverage for business use, meaning you could be denied claims if you’re using your vehicle for work-related activities. Commercial policies provide higher liability limits, cover employees driving company vehicles, and protect business assets from lawsuits. If you use your vehicle for business in Mokena—even occasionally—it’s critical to discuss commercial auto insurance with our agents to ensure you have appropriate coverage. Learn more about commercial auto insurance →
Have more questions about car insurance in Mokena? Our experienced agents are here to help. Call (708) 532-7474 or visit our office at 19144 88th Avenue to discuss your coverage needs.
Don’t overpay for car insurance. As an independent agency serving Mokena since 1998, Hicks Insurance Group has access to over 14 top-rated carriers, allowing us to compare rates and coverage to find you the best policy at the best price.
Office Hours: Monday-Thursday 9:00 AM – 5:00 PM | Friday 9:00 AM – 4:00 PM
Protect what matters most with comprehensive car insurance tailored to your needs. Call Hicks Insurance Group today at (708) 532-7474 and discover how much you can save on quality auto insurance coverage in Mokena, IL.
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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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