The Prairie State

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Illinois Auto Insurance

Living in The Prairie State is exciting because residents get to enjoy all four seasons. This also means that Illinoisans must be prepared for weather extremes, which could wreak havoc on personal property, particularly vehicles. Tornadoes, winter storms, hail and other natural disasters are all major weather concerns for residents of Illinois. It’s important to financially protect yourself from car damage that could be caused by weather, other drivers and even yourself.

Auto Insurance rates in Illinois can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners’ rates for the coverage you select, and you can even pick the price you like.

Required Auto Insurance in Illinois

Most states require drivers by law to purchase Auto Insurance coverage, and Illinois is no exception. The minimum Car Insurance requirements in Illinois cover the other car and people involved in an accident that you are found to be at fault for (up to your policy’s limits). This type of policy is called Liability Insurance. The other type of coverage that Illinois requires drivers to have is Uninsured Motorist Coverage. Although it is against the law to drive without Car Insurance in Illinois, many drivers take the risk and drive uninsured anyway. In fact, 15% of Illinois drivers are uninsured. That means if an uninsured motorist causes an accident, you may not be properly compensated for your damages or injuries. 

State Minimum Liability Coverage in Illinois

  • BI or Bodily Injury: $25,000 per person, $50,000 total per accident
  • PD or Property Damage Liability: $20,000 per accident

State Minimum Uninsured/Underinsured Motorist Coverage in Illinois

  • BI or Bodily Injury: $25,000 per person, $50,000 total per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Illinois

State required minimums protect you from a certain amount of financial liability following an auto-related accident, but those minimums leave you vulnerable to other issues that could cost you if you aren’t properly insured. Increasing your policy limits or adding additional coverage could be of great financial assistance to you in the event of an accident.

Below are some examples of optional Auto Insurance coverage you may want to consider:

  • Collision Coverage*: If you are at fault for an accident, who would be responsible for the damages sustained to your own car? With Collision coverage, you wouldn’t have to worry about paying for all of the needed repairs out of pocket. Depending on the policy you choose, all the damages may be paid for after your deductible. Keep in mind that the national average repair costs after an accident are $3,000.
  • Comprehensive Coverage*: It is important to remember that not all car damage is caused by other vehicles. Thunderstorms, tornadoes, flooding, hail and other natural disasters are of significant concern to residents of Illinois. Your car may be at risk for non-collision damage, and it’s important that you consider a policy that includes Comprehensive coverage.
  • Higher Bodily Injury Limits: You may want to choose a policy with higher Bodily Injury limits. Medical bills can quickly get out of control, especially where extensive injuries are involved. That $20,000 per person with a maximum of $40,000 could quickly be exhausted. The Insurance Specialists at AIS recommend you consider BI limits beyond the minimum.
  • Higher Property Damage Limits: The Property Damage minimum in Illinois is $15,000. Though that is a fair minimum, you may want to consider an increase in your PD limits. On top of car damages, you may need to pay for repairs to other damaged property such as buildings, light poles, fences and more. Considering these possibilities, $15,000 may just not be enough.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

If you are looking for the right Auto Insurance coverage to fit your needs, it is best to consult an AIS agent to receive recommendations tailored specifically to your unique situation.

Most Stolen Car Models in Illinois

If you drive a car that tends to be targeted for theft, you could see higher Auto Insurance rates for your vehicle. In 2017, these were the top 10 cars that were stolen in Illinois according to

  1. Dodge Caravan
  2. Chevrolet Impala
  3. Nissan Altima
  4. Chevrolet Malibu
  5. Honda Accord
  6. Honda Civic
  7. Toyota Camry
  8. Toyota Corolla
  9. Ford Pickup (Full Size)
  10. Jeep Cherokee/Grand Cherokee

Illinois Auto Insurance Discounts

Auto Insurance can be of great financial assistance to you after you’ve acquired vehicle damage, but only if you have the right policy. Additionally, you may qualify for discounts that could provide you with significant savings.

Some of these discounts you may qualify for include:

  • Safe Driver
  • Multi-Vehicle
  • Good Student
  • Accident Free
  • Anti-Theft
  • Multi-Policy

To learn more about specific discounts, visit our Discounts page.

Illinois is beautiful, there’s no doubt about it. But, as with anywhere you choose to live, Illinois has its own hazards that require insurance protection. We want to help you choose the right Auto Insurance policy for your specific needs. Speak with a licensed Insurance Specialist from AIS to help you decide. Call us today to see how we can help with your Illinois Auto Insurance needs.

Start an Illinois Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Illinois

Illinois was the first state to ratify the 13th Amendment in 1865 to abolish slavery. 

 Aurora is known as the City of Lights because it was the first U.S. city to use electric street lighting throughout the entire city.

Notable Illinois Attractions

Wrigley Field

Cahokia Mounds State Historic Site

Lincoln Park Zoo

Millenium Park and Cloud Gate