Illinois car insurance requirements

Is car insurance required in Illinois?

In Illinois, liability insurance is required by law to drive legally. The Illinois car insurance requirements specify minimum coverage amounts for both bodily injury and property damage liability. Look at the details below:

• Bodily injury liability coverage: This helps pay for accident-related injuries that you cause to others. Illinois law requires at least:
  • $25,000 for injury or death of one person in an accident
  • $50,000 for injury or death of more than one person in an accident
• Property damage liability coverage: This covers damage you cause to another person’s property. Illinois requires a minimum of:
  • $20,000 for property damage per accident

By meeting these Illinois car insurance requirements, you’re not only following the law—you’re also giving yourself peace of mind knowing you’ll have some financial protection if you’re ever at fault in an accident.

Is Illinois a “no-fault” state?

Illinois isn’t a “no-fault” state when it comes to car insurance. Instead, Illinois follows a “fault” system. That means if you’re found to be responsible for an accident, you (and your insurance) are on the hook for any damages or injuries that occur. In other words, the person who caused the accident is the one who pays for the costs — so having the right coverage in place is extra important.

What does car insurance cover in Illinois?

Car insurance in Illinois provides a variety of coverage options to help protect you, your passengers, and your vehicle. Many drivers choose policies that go beyond the state’s minimum requirements for added peace of mind. These policies typically include a combination of:

• The state-required liability coverages (see above)
• Comprehensive coverage: Helps pay for damage to your car from things like theft, fire, hail, or other non-collision events
• Collision coverage: Covers damage to your car from a collision, no matter who’s at fault
• Uninsured/underinsured motorist coverage: Protects you if you’re hit by a driver with little or no insurance
• Medical payments coverage: Helps with medical expenses after an accident

How much does car insurance cost in Illinois?

Age, driving record, location, and the type of coverage you select all influence Illinois auto insurance quotes. When shopping for car insurance quotes in Illinois, it’s a good idea to compare options and see what works best for your needs. With American Family, you can use DriveMyWay to get discounts based on how you drive. The process is quick and easy, and you can find the right balance of coverage and cost. For the most precise information, consider reaching out to your local agent or using our online tools to compare car insurance quotes in Illinois.

How can I get a lower rate on my car insurance in Illinois?

If you’re searching for affordable car insurance in Illinois, we’ve got good news for you. With American Family, you can take advantage of car insurance discounts that will lower your rates, including:

• Multiple-product discount
• Multiple-vehicle discount
• Personalized insurance – usage-based insurance programs
• Autopay and paperless billing