Save up to $400 on
Illinois car insurance

Illinois Auto Insurance

Compare Auto Insurance in Illinois

Illinois Auto Insurance Minimums

  • $20,000 bodily injury for one person
  • $40,000 per accident
  • $15,000 property damage
  • Click here for more auto insurance minimums in Illinois.

Illinois DUI Laws

  • DUI is considered a BAC between 0.05% and 0.08%.
  • Enhanced sentencing for BAC of 0.15% and higher.
  • Click here for more DUI laws in Illinois.

Illinois SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Illinois.

Illinois Hands-Free Laws

  • The state of Illinois has passed several cell phone/texting laws.
  • Public Act 096-0130 096-0130 096-0130 prohibits text-based communications while operating a motor vehicle.
  • Click here for Hands-Free laws in Illinois.

Illinois Teen Auto Insurance

  • Illinois utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Illinois teen driver laws.
If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Illinois requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $20,000 total for bodily injury coverage, per person
  • $40,000 total for bodily injury coverage, per accident
  • $15,000 total for property damage, per accident

Illinois also mandates that all drivers carry Uninsured Motorist coverage. This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance. The minimum coverage amounts are:

  • $20,000 total, per person
  • $40,000 total, per accident

Underinsured Motorist coverage pays the difference between the uninsured motorist coverage and the at-fault driver's liability coverage. Illinois requires this only when you purchase higher limits of uninsured motorist coverage.

It's important to remember that these amounts are strictly the minimum which the State of Illinois requires to maintain legal coverage. Many times, these minimum numbers are woefully inadequate to fully cover damages which occur in an accident for which you are found legally responsible. To avoid having to pay the cost difference out-of-pocket, you may want to consider choosing higher amounts of insurance coverage when you purchase your own policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For answers to any other questions, please contact:

Illinois Department of Insurance- Main Office
320 W. Washington
Springfield, IL 62767
(217) 782-4515

Illinois Department of Insurance- Chicago
James R. Thompson Center
100 W. Randolph Street
Suite 9-301
Chicago, IL 60601
(312) 814-2420

Illinois Car Insurance Agents

If you live in Illinois and are looking for an auto insurance agent to help you with your insurance needs, you've come to the right place.

Auto insurance agents are highly trained professionals whose goal is to make buying auto insurance easy and enjoyable for their customers. They are able to compare prices from different insurance companies and find the best combination of coverage and cost. Since they keep up with the latest trends in the insurance industry, they are a knowledgeable source when it comes to putting together a comprehensive auto insurance policy that meets the needs of their customers without breaking the bank. That's important in today's economy!

A qualified Illinois Auto Insurance agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.

If you would like to receive a quote from a qualified agent, please use our Agent Locator. It offers an extensive list of professional agents in your local area.

Tips to saving money on your insurance premiums

  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • If you have a teenage driver in the family, ask about a good student discount.
  • If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Completion of defensive driving/driver's safety courses from an accredited company can also save you money on premiums.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Check your credit score before applying for insurance to make sure it is accurate and up-to-date.

By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on your auto insurance policy!

Illinois auto owners know that it can be hard to find low cost Illinois auto insurance rates but with you are a click away from comparing the lowest rates available to your area. is your one stop shop to sort through the resources you need in order to make an informed insurance choice. If you want to save time and money, you should consider the most reliable and affordable insurance companies from

Search By City

Aurora Chicago Cicero Elgin Joliet
Naperville Peoria Rockford Springfield Waukegan
Addison Aledo Algonquin Alsip Alton
Antioch Arlington Heights Barrington Bartlett Batavia
Belleville Belvidere Bensenville Benton Berwyn
Bethalto Bloomingdale Bloomington Blue Island Bolingbrook
Bourbonnais Bradley Bridgeview Broadview Brookfield
Buffalo Grove Burbank Calumet City Canton Carbondale
Carol Stream Carpentersville Carterville Cary Centralia
Champaign Channahon Charleston Chicago Heights Clifton
Collinsville Countryside Crystal Lake Danville Darien
De Kalb Decatur Deerfield Des Plaines Dixon
Dolton Downers Grove East Peoria Edwardsville Effingham
Elmhurst Evanston Fairview Heights Flossmoor Fox Lake
Fox River Grove Frankfort Franklin Park Freeport Galesburg
Glen Carbon Glen Ellyn Glendale Heights Glenview Godfrey
Granite City Grayslake Gurnee Hainesville Hanover Park
Harrisburg Harvey Harwood Heights Hazel Crest Hickory Hills
Highland Highland Park Highwood Hillside Hinsdale
Hoffman Estates Homewood Huntley Island Lake Itasca
Jacksonville Jerseyville Justice Kankakee Kewanee
La Grange La Grange Park La Salle Lake Bluff Lake Forest
Lake Villa Lanark Lansing Lemont Libertyville
Lincoln Lincolnwood Lisle Lockport Lombard
Loves Park Lyons Macomb Marion Markham
Matteson Mattoon Maywood McHenry Medinah
Melrose Park Mendota Midlothian Milan Mokena
Moline Morton Grove Mount Prospect Mount Vernon Mt Zion
Mundelein Murphysboro New Lenox Niles Normal
Norridge North Chicago North Riverside Northbrook O'Fallon
Oak Forest Oak Lawn Oak Park Oblong Olympia Fields
Orland Hills Orland Park Oswego Ottawa Palatine
Palos Heights Palos Hills Pana Park Forest Park Ridge
Pekin Peru Plainfield Pontiac Princeton
Quincy River Grove Riverside Rock Island Rockton
Rolling Meadows Romeoville Roscoe Roselle Round Lake Beach
Saint Charles Savoy Schaumburg Schiller Park Shorewood
Skokie South Elgin South Holland Sterling Streamwood
Sugar Grove Sycamore Tinley Park Urbana Vernon Hills
Villa Park Warrenville Waterloo Wauconda West Chicago
West Frankfort Westchester Western Springs Westmont Wheaton
Wheeling Willow Springs Wilmette Wood Dale Woodridge
Woodstock Worth Yorkville