What is the minimum auto insurance required in Illinois?

In Illinois, drivers must have liability coverage of at least $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $20,000 for property damage.

How can I lower my auto insurance premiums?

You can lower your premiums by maintaining a clean driving record, bundling policies, or taking advantage of discounts offered by insurance providers.

How to Get Auto Insurance in Illinois

Looking for car insurance in Illinois can feel overwhelming. With so many plans and prices, it’s important to know how to compare them. From liability to full coverage, each option serves a different purpose based on your needs and budget.

Experience: Last week I compared auto insurance quotes in Chicago and found rates starting at $45/month. If you're on a budget, check out our cheap auto insurance options.

Your Guide to Understanding Auto Insurance in Illinois

This guide breaks down the essentials: what’s required by law, what’s optional, and how to find a policy that works for you.

Compare Auto Insurance Rates in Illinois by ZIP Code

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When shopping for car insurance, don’t focus only on the price. Consider your driving habits, vehicle type, and how much protection you need. For a broader view, check out our article on comparing rates across states.

If you're unfamiliar with claim processes or coverage terms, visit our pages on the claims process and coverage types for clarity.

Coverage Types Explained

In Illinois, most drivers choose from the following types of coverage:

Liability Coverage: Required by law. Covers damage or injury you cause to others.
Collision Coverage: Pays for damage to your vehicle from an accident.
Comprehensive Coverage: Covers theft, fire, vandalism, and weather-related damage.

You can also add extra protection like uninsured motorist coverage or personal injury protection. These are smart choices for added security. Learn how to save more with Geico’s bundling options or explore tips for young drivers.

Common Questions About Illinois Auto Insurance

What is the minimum insurance required?
Illinois law requires $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage.

How can I lower my rates?
Keep a clean driving record, raise your deductible, and ask about discounts. You can also use our discount guide to see what you qualify for.

Get a Free Quote Now

Ready to find your best rate? Use the form above to get real quotes and compare options. You’ll be surprised how much you can save with a little research. For more tips, visit our comparison guide.

FAQs

Is comprehensive insurance required?
No, but it's a good idea if you want coverage beyond accidents—like theft, hail, or falling branches.

Can I change insurers any time?
Yes. Just make sure your new policy starts before the old one ends to avoid a lapse in coverage.