David Agency Medmal Insurance
18W140 Butterfield Rd, Suite 100, Oakbrook Terrace, IL 60181
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Oakbrook Terrace households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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18W140 Butterfield Rd, Suite 100, Oakbrook Terrace, IL 60181
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17W240 West 22nd Street, 3rd, Floor, Oakbrook Terrace, IL 60181
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18W140 Butterfield Rd, Suite 100, Oakbrook Terrace, IL 60181
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1801 S Meyers Rd, STE 150, Oakbrook Terrace, IL 60181
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Learn about insurance coverage options specific to Oakbrook Terrace residents.
Learn about auto, home, and flood insurance in Oakbrook Terrace, Illinois. Get rates, coverage requirements, and local agent info for DuPage County.
Home InsuranceComplete guide to home insurance in Oakbrook Terrace, Illinois. Get rates, coverage tips, tornado protection info, and savings strategies for 2026.
Illinois requires all drivers to carry liability coverage of at least 25/50/20, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. The state also mandates uninsured motorist coverage with the same 25/50 limits. These minimums meet legal requirements but may not provide adequate protection in a serious accident.
The average cost for auto insurance in Oakbrook Terrace is approximately $907 per year for minimum coverage. This is about 3% higher than the Illinois state average and 30% higher than the national average. Your actual rates will vary based on your driving record, credit score, vehicle type, and other factors.
No, standard homeowners insurance policies do not cover flood damage. You need a separate flood insurance policy through the National Flood Insurance Program or a private carrier. This is especially important in DuPage County, where properties near rivers and streams face elevated flood risk during heavy rain and spring snowmelt events.
Illinois homeowners insurance premiums have risen 50% between 2021 and 2024, making it the second-fastest growing state for rate increases. The dramatic increase is primarily due to severe weather events, including tornadoes and flooding across the Midwest, which have led to substantial insurance claims. Major carriers like Allstate and State Farm have implemented double-digit rate increases to maintain profitability.
The average flood insurance policy in Illinois costs $1,248 per year. However, if you live in a low-to-moderate risk zone, you may pay less than $500 annually. Properties located near waterways like the Des Plaines River or DuPage River typically face higher premiums due to elevated flood risk.
Working with a local agent offers several advantages, particularly an independent agent who represents multiple carriers. They understand DuPage County's specific risks, including I-88 corridor traffic patterns and local weather concerns. They can shop your coverage across multiple insurers to find the best combination of price and protection, which is especially valuable given the dramatic rate variations between companies in the current market.
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