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Cheap auto insurance in Illinois

Illustration of park in Chicago, IllinoisIllustration of park in Chicago, Illinois


While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Illinois:

Is it mandatory to have car insurance in Illinois?

Yes

What are the minimum limits for Illinois?

$25,000 bodily injury liability per person 
$50,000 bodily injury liability per accident 
$20,000 property damage liability per accident

—or—

25/50/20

Auto coverages in Illinois

We’re proud to be able to help drivers in Illinois meet their insurance needs. Here are some of the parameters of our insurance coverage in Illinois:

What is the maximum bodily injury liability and property damage liability limit offered in Illinois?

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident 
$100,000 property damage liability per accident

—or—

100/300/100

What coverages are required to be offered in Illinois? Can a customer reject them?

Bodily injury liability and property damage liability must be offered and can’t be rejected. Uninsured motorist (UM) bodily injury coverage is required at minimum limits of $25,000 per person and $50,000 per accident. You can reject UM/UIM at higher limits.

What coverages are available in Illinois?

  • Uninsured motorist bodily injury

  • Underinsured motorist bodily injury

  • Bodily injury liability

  • Property damage liability

  • Medical payments

  • Rental reimbursement

  • Roadside assistance

  • Special equipment

  • Uninsured motorist property damage

  • Comprehensive

  • Collision

  • Lienholder deductible

What’s the oldest a vehicle can be to get comprehensive and collision coverage in Illinois?

20 years

How far back does Illinois go to look at violation history?

3 years

What additional policy types are offered in Illinois?

Is an insurance score used in my rating in Illinois? If so, is it mandatory?

Yes, an insurance score is used in Illinois, but you can opt out.

What policy terms are available in Illinois?

1, 2, 3, 6, and 12 months

What is the minimum down payment option in Illinois?

1 month

Are SR22s used in Illinois? If so, is there a fee? Is the SR-22 filed electronically?

SR22s are used in Illinois and are filed electronically, free of charge.

What discounts are available in Illinois?

  • Advanced quote

  • Anti-theft device

  • Association

  • Defensive driving course

  • Homeowners

  • Multi-car

  • Paid in full

  • Prior insurance

  • Quarterly

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