Illinois car insurance

How much you pay for car insurance in Illinois depends on several factors, like your:

• Age

• Driving record

• ZIP code

• Vehicle type

• Coverage selections

We offer flexible, affordable policies that can help you meet Illinois state insurance requirements. In some cases, your minimum down payment options can be as low as the first month's premium. And if you only need insurance for a few months, we offer policies for the following terms:

• One month

• Two months

• Three months

• Six months

• 12 months

Illinois laws require you to maintain certain minimum coverage amounts. Here's a quick rundown:

If you cause an accident that injures others, this coverage helps pay for their injury-related expenses up to your policy's limits. Illinois state insurance requirements mandate a minimum of:

• $25,000 of bodily injury liability coverage per person

• $50,000 of bodily injury liability coverage per accident

Property damage liability can help cover repair costs if you damage someone else's vehicle or property in an accident you cause. The minimum limit to meet Illinois state insurance requirements is $20,000 per accident.

You’re also required to carry uninsured motorist bodily injury insurance at the minimum limits:

• $25,000 per person

• $50,000 per accident

You can reject this coverage at higher limits.

Have you had your license suspended for a violation like a DUI or driving without insurance? If so, you may need to file an SR22. Illinois requires drivers to file an SR22 certificate to maintain proof of insurance for a period of time after certain offenses.

With a Dairyland car insurance policy, the process is easy—we'll file your SR22 electronically at no additional fee.

Why pay more than you need to for car insurance? We offer a range of auto insurance discounts in Illinois—you could qualify for more than you realize:

• Advanced quote

• Anti-theft device

• Defensive driving course

• Homeowners

• Multi-car

• Paid in full

No single company has the absolute cheapest car insurance rates for every driver in Illinois. Your rates will vary based on your unique driver profile, coverage levels, the insurance provider, and other criteria.

The best way to find the cheapest option that fits your lifestyle and financial situation is to compare quotes from multiple insurance companies. Click below to get started.

Having the right auto insurance coverage is crucial, but it's not the only thing Illinois drivers need to do. Read on for a refresher on several other state laws for motorists like you.

Beyond having sufficient car insurance, all Illinois drivers must follow laws related to licensing, vehicle registration, and traffic laws. These include:

• Having a valid Illinois driver's license

• Obeying posted speed limits, traffic signals, and road signs

• Maintaining your vehicle in safe operating condition

• Renewing your license and registration on time

Failing to meet these requirements can lead to fines, license suspension, and other penalties.

Need to study for your license test? Looking to renew your credentials? Or do you have other licensing or vehicle questions? Check out these Illinois driver resources:

• Illinois Department of Transportation

• Illinois Secretary of State Driver Services

• Illinois Tollway Authority