Illinois Car Insurance Regulations

To legally operate a vehicle in Illinois, motorists must carry a minimum amount of liability coverage. Specifically, drivers must have $25,000 of bodily injury coverage and $20,000 for property damage per accident. Unlike most states, Illinois requires coverage in case the other driver is uninsured or underinsured. Law requires bodily injury coverage worth $25,000 per person and $50,000 of coverage per accident. Optional coverage options in Illinois Include:

Collision coverage provides financial assistance to fix or replace your vehicle if it is damaged in a collision with another car or an object such as a fence or road sign. Most financial lenders require collision insurance.

Comprehensive insurance provides financial assistance to repair or replace your car if it is damaged in an incident other than a collision. Examples include car theft, vandalism, or damage due to natural disasters.

Medical payments coverage helps pay for the medical expenses of you or your passengers due to injuries sustained in a collision. 

Illinois Car Insurance guide

Car Insurance Options in Illinois

Most car insurance companies advertise low costs. However, the policy with the lowest price is not always the best option. Considering the financial ramifications, it is worthwhile to do your research to find the best coverage possible. You want to concentrate on car insurance value instead of settling for the policy with the lowest price. The following companies offer car insurance services in Illinois.

Those looking for a new insurance policy should carefully consider average customer satisfaction ratings for the top providers. In past years, USAA, Erie, Amica, and Allstate members have reported the highest satisfaction levels regarding the claims process, customer service, and coverage levels. 

Illinois Auto Insurance FAQs

If you are shopping for car insurance in Illinois, you likely have questions regarding coverage levels and laws. Here are answers to some of the most frequently asked questions.

Car insurance is required to legally drive a vehicle in every U.S. state, including Illinois. The Illinois Secretary of State uses a computer system to confirm the insurance status of all registered cars each year. Further, you may be required to show proof of insurance if stopped by a police officer. 

Vehicles including cars, motorcycles, trucks, buses, vans, recreational automobiles, and commercial vehicles driven or registered in Illinois must be insured. If your car requires a license plate, you must also carry liability coverage. The only exemption is trailers, which do not require insurance. 

No, Illinois is not a no-fault state. You are responsible for damage to the other vehicle if you caused the accident. If a collision occurs in a no-fault state, drivers must file claims with their own insurance provider, regardless of who caused the accident. 

Illinois law requires drivers to have insurance before they can legally drive or register a vehicle. You must also have proof of insurance before you can lawfully take a driver’s test. You should avoid lapses in coverage to prevent rate increases and problems with law enforcement.

Generally, Illinois residents can get insurance with or without a valid U.S. driver’s license. Drivers with an international license can also get insurance in most cases. 

Illinois Car Insurance Costs

Compared to other U.S. states, rates in Illinois are typically less expensive. For a policy with the minimum amount of coverage, you can expect to pay $484 annually. However, this price will likely be more if you live in a major city like Chicago or opt for more coverage. On average, an Illinois policy with a $1,000 deductible costs $997 per year, while comprehensive insurance coverage with a $500 deductible costs $1,200 per year. 

Illinois Car Insurance quote comparisons

Compare Illinois Car Insurance Rates

Are you an Illinois resident looking for affordable auto insurance? Contact today to get quotes from various car insurance companies. Our system allows users to compare rates from multiple car insurance lenders.

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