If there is a problem with liability insurance affordability, the solution is simple. Don’t drive
If you have an accident the damaged party insurance company will pin you to the wall until the blood is extracted that makes them whole.
Insurance in IL keeps going up and it’s due in large part to the freakin idiots out there with no insurance. I’ve been involved in an accident with a Mexican woman who I doubt even had a license but she had a cell phone which she was tapping on when she slammed into my car.
The company states that per IL law they had to raise rates due to all the costs to cover accidents such as mine.