Illinois Car Insurance FAQ - Quick Answers

The average cost of car insurance in Illinois is $1,079 per year, coming in lower than the national average of $1,311 annually. To save money on your car insurance premiums, consult with a local professional for quotes.

Illinois car insurance policies come with automatic coverages, and the most commonly used are listed below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a collision with an unavoidable object such as an animal.
  • Collision: Pays for a collision with another vehicle, animal, or property.

As an Illinois driver, you are required to carry the following minimum liability limits in order to use the roadways:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $20,000 in property damage liability
  • $25,000 per person/$50,000 per accident in uninsured motorist liability 

Even though auto coverage is required in Illinois, there are still some that don't follow the law. Currently, Illinois has 13.7% of its driving population uninsured. 

In Illinois, you'll be required by state law to carry the minimum limits of liability and underinsured motorist coverage. 

Yes. In Illinois, you could qualify for the following discounts under your auto insurance policy:

  • Multiple policy discount: When you have more than one policy with the same carrier
  • Loyalty discount: When you've been with the same carrier for a number of years
  • Association discount: When you're part of an association that partners with the carrier
  • Claims free discount: When you haven't filed a claim within a certain period of time

Do You Know What Your Illinois Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Mount Vernon151.42$984
Orland Park35.10.44$858
Tinley Park33.60.8$846

Bodily Injury Requirements in Illinois

If you're at-fault for an accident, you'll be responsible for the other party's medical expenses. Without bodily injury protection, you'll have to pay out of pocket for a loss.

Bodily injury limits need to be at least $25,000 per person and $50,000 per accident in Illinois. While only the minimum coverage is necessary, you may want to opt in for more protection.

Property Damage Requirements in Illinois

Property damage liability helps pay for any damage you've caused to another party while driving. In Illinois, you'll be responsible for carrying the minimum limits of coverage. 

Illinois law states that every driver must have at least $20,000 in property damage liability to use the roads. If you're caught without proper coverage, you could face serious penalties.

Medical Payments Coverage Requirements in Illinois

In Illinois, you're not required to carry personal injury protection under your car insurance policy. You can obtain medical payments coverage, which does a similar thing and pays for any medical expenses that you sustain in a loss.

Though optional, medical payments coverage will be the only way to pay for medical bills that pile up after you are injured due to an at-fault accident. Without this protection in place beforehand, your finances could be on the hook. 

Uninsured Motorist Coverage in Illinois 

Uninsured motorist coverage will pay for your medical expenses or damage when you're involved in an accident with an uninsured driver. Illinois does require all drivers to obtain uninsured motorist protection to use the roads. 

Even though car insurance is mandated by state law, there are still some that don't follow these rules. A whopping 13.7% of all drivers in Illinois do not have proper coverage. 


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Optional Car Coverage in Illinois

When it comes to your car insurance, you'll have several options to choose from for coverage. Collision insurance and comprehensive insurance are both considered full protection when added in conjunction with your liability limits.

Rental car coverage is another option that helps when your vehicle is out of commission due to a covered loss. If you're stranded on the side of the road, then you can opt for roadside assistance coverage to provide a tow or change a flat. 

Car Insurance Discounts to Consider in Illinois

If you're looking for the best discounts on car insurance there are numerous ones you could qualify for. In Illinois, ask your adviser if you can get the multiple policy discount for having more than one line of business with the same carrier. 

And if you're in a teachers union, attorney group, or government agency, you could get a price reduction of 10% on auto coverage. When you're loyal to one insurance company you get rewarded after a certain period of time. 

How to File a Car Insurance Claim in Illinois

When you're involved in a car accident, it can be hard to think straight. To help, take a look at these 4 easy steps for filing a car insurance claim in Illinois.

First, make sure everyone's safe and injuries are tended to. Second, call your independent insurance agent to report the claim. Third, ask your agent for the claim number and arrange for a rental vehicle if your policy allows it. Last, set up a time to go over damage with your adjuster and collect any payment.