Illinois Auto Insurance

The Prairie State

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Illinois Auto Insurance

Those living in The Prairie State get to enjoy all four seasons, but Illinoisans also must be prepared for weather extremes, which could wreak havoc on personal property – especially vehicles. Tornadoes, winter storms, hail, and others are all major weather concerns, and it’s important to financially protect yourself from car damage… by weather, by 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 pick the price you like.

Required Auto Insurance Coverage in Illinois

Most states require drivers to purchase auto insurance coverage, and Illinois is no exception. The minimum requirements in Illinois would cover (up to your policy’s limits) the other car and people involved in an accident that you are found to be at fault for. This is considered “liability coverage”.

State Minimum Liability Coverage in Illinois:

  • BI or Bodily Injury: $20,000 per person and $40,000 total per accident
  • PD or Property Damage Liability: $15,000 per accident

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

Optional Coverage in Illinois to Consider

State required minimums protect you from a certain amount of financial liability following an 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 for damages following an accident.

Below are some examples you may want to consider:

  • 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 specialists at AIS recommend that 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 property such as buildings, light poles, fences, and more. Considering these possibilities, $15,000 may just not be enough.
  • Uninsured Motorist Coverage: It is against the law to drive without insurance in Illinois, but many drivers will take the risk and travel uninsured anyway. In fact, 15% of Illinois drivers are uninsured. That means if an uninsured motorist causes an accident, you may not be properly protected for your own property damages or injuries. With uninsured motorist coverage, you could prevent losses that you may suffer at the hands of an uninsured driver.
  • 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 $2,935.
  • Comprehensive Coverage: It is good to remember that not all car damage may be caused by other vehicles. Thunderstorms, tornadoes, flooding, hail, and other natural disasters are all of concern to the people 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.

If you are looking for the right auto insurance coverage to fit your needs, it is best to consult our Auto Insurance Specialists to receive recommendations tailored to your unique situation.

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 could include:

  • Safe Driver
  • Multi-vehicle
  • Good student
  • Accident free
  • Anti-theft
  • Multi-policy
  • And more…

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

Illinois is beautiful – there’s no doubt. 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 an AIS licensed insurance specialist to help you decide. Call us today to see how we can help with your Illinois auto insurance needs!

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

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