Car Insurance in Illinois

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

Illinois Department of Insurance- Chicago

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 CarInsurance.Info you are a click away from comparing the lowest rates available to your area. CarInsurance.Info 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 CarInsurance.Info.