Illinois Car Insurance



When you think of Illinois, Chicago is probably the first thought that you have. Sure, the Windy City is the state’s ‘claim to fame,’ but the entire state is beautiful, engaging, and interesting. If you’re riding with state-required car insurance, enjoying Chicagoland and beyond is easy. If you’re not, prepare for trouble ahead. Car insurance is required to be carried on all registered vehicles in the state. It is meant to protect you and driving without it can certainly harm you, as there are many potential consequences of committing this offense.

Illinois Car Insurance Requirements

There are minimum amounts of insurance that must be carried on your vehicle to be considered legal. Although you can add additional amounts and types of coverage, you must carry these amounts to be driving legally in Illinois. State-required insurance includes a policy with the following amounts:

  • Bodily Injury: $25,000/ $50,000
  • Property Damage: $20,000
  • Uninsured/ Underinsured Motorist: $25,000/ $50,000

If you would like you can add higher dollar amounts for additional protection.

Optional Car Insurance in Illinois

For additional protection, optional car insurance is available for purchase. It is always a good idea to talk to an insurance agent to learn if these coverage types can be beneficial to you.

  • Collision
  • Comprehensive
  • MedPay
  • Uninsured Motorist Property Damage

Factors Affecting Illinois Car Insurance Rates

A number of factors affect the amount that you will spend to keep your vehicle legal. It is these factors that cause each person’s rates to vary so greatly. Comparing is the best way to save on your policy. Some of the factors that affect your car insurance rates:

  • Age: Teens and seniors pay more for their coverage than others
  • Gender: Men are considered high-risk drivers, thus their insurance costs are generally more
  • Marital Status: Individuals who are married pay less for coverage
  • Amount of  Coverage
  • Type of Vehicle being insured
  • Type of coverage
  • City in which you live
  • Driving Record: Even one ticket or accident could send your policy skyrocketing
  • Insurance History

Illinois Car Insurance Discounts

Do you like to save money? If so, taking advantage of the many car insurance discounts available is going to be something that you love doing. A number of car insurance discounts are available. These discounts can save you anywhere from 5 to 40% off of the cost of your coverage. Some of the most popular car insurance discounts available in the state include:

  • Safe Driver discounts
  • Loyal customer discounts
  • Good Student discounts
  • Multi-Car
  • Multi-Policy
  • Paid in Full discounts

Talk to your insurance agent about these discounts and any others that you might qualify to receive, and enjoy the savings! These are just some of the many different car insurance discounts you might qualify for.

Illinois Car Insurance Quick Facts

You are required to carry proof of car insurance inside of your vehicle at all times. You must present this proof   upon request of any law enforcement officer or after being involved in an automobile accident.

If you do not have proof of insurance the officer has the option of citing you for failure to carry auto insurance.  A conviction of such a charge is very serious and can result in one or more of the following penalties:

  • $500 Fine
  • Suspension of your driver’s license
  • The fine is increased to $1000 if your driver’s license is currently suspended for the same offense.

Drivers who have difficulty finding an insurance company can obtain a policy through the Illinois Automobile Insurance Program. While a policy through this agency will cost more than a policy elsewhere, it is assuring to know that the option is there should it be needed.