How to Get Auto Insurance in Illinois
Searching for auto insurance in Illinois is easier when you know what to expect. With hundreds of plans on the market, it’s smart to compare more than just prices—especially after seeing how rates in Chicago started from $45/month last week during our own quote check. Many Illinois drivers save even more by using tools like our cheap auto insurance options or by reading up on discounts before buying.
Your Guide to Understanding Auto Insurance in Illinois
This article breaks down everything you need to know—what’s required by law, which add-ons are worth it, and how to make sure your new policy fits your budget and lifestyle.
Compare Auto Insurance Rates in Illinois
Instantly compare rates for Illinois and start saving today.
Don’t base your decision on price alone. Consider your daily driving, the car you own, and whether you need only state-minimum or broader protection. For more context, read our guide on comparing rates across states or get familiar with the claims process and coverage explained pages.
Coverage Types Explained
In Illinois, you’ll choose from several standard options:
- Liability Coverage: Required by law—covers others’ injuries and property damage.
- Collision Coverage: Pays for your car’s repairs after an accident.
- Comprehensive Coverage: Protects against theft, vandalism, hail, and more.
Want extra security? Add uninsured motorist or personal injury protection. You can also see how to maximize savings with Geico’s bundling or read smart tips for young drivers.
Common Questions About Illinois Auto Insurance
What is the minimum required?
Illinois law requires $25,000 per person, $50,000 per accident for bodily injury, and $20,000 for property damage.
How can I lower my rates?
Keep your record clean, increase your deductible, and ask about all discounts. Use our auto insurance discounts guide to learn more.
Get a Free Quote Now
Ready to save? Use the quote form above and see your real offers in minutes. Many drivers are surprised at how much they can lower their premium just by comparing. For additional strategies, explore our auto insurance comparison guide for Illinois and beyond.
FAQs
Is comprehensive insurance required?
No, but it’s strongly recommended if you want to protect your car from theft, weather, or unexpected damage beyond collisions.
Can I change insurers any time?
Yes. Just be sure to activate your new policy before canceling the old one to avoid a lapse.