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Illinois Auto Insurance

In Illinois, minimum auto insurance coverage includes uninsured motorist, underinsured motorist, property damage liability, and bodily injury liability. Uninsured and underinsured motorist coverage protects you in the event that you’re struck by a driver who either does not have auto insurance or does not have enough of it.

Property damage and bodily injury liability covers you in situations when you cause a collision that either damages the other party’s vehicle or injures them. Here are the minimum liability coverages required in Illinois:


  1. $25,000 coverage for bodily injury per person
  2. $50,000 coverage for total injury per accident
  3. $20,000 coverage for property damage

Of course, minimum limits might not be enough. You'll be responsible for any payout over your limit, so choose your amounts carefully.

Learn about Illinois auto insurance discounts

Illinois drivers may be eligible for many discounts, including:

  • Anti-theft/safety discount. You’ll qualify if your vehicle has an anti-theft system as well as air bags and anti-lock brakes.
  • Multi-car discount. Have more than one car in your household? Insuring them with the same company could earn you savings on your policy.
  • Homeowners discount. If you own your home, you qualify for a discount on car insurance.
  • Multi-policy discount. Bundling your home and car insurance could earn you discounts on both policies.
  • Good student discount. If you have a student on your policy that’s earning B’s or better in school, you qualify for this discount.
  • Mature driver discount. If you’re 55 or older and have passed a defensive driving class, you could save on your policy.
  • Claim-free discount. If you go a period of years without getting in a wreck or filing a claim, you could see a reduction on your policy.

Call today and let us help you get a quote from one of our leading providers!

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