Illinois car insurance is vital to owning and operating a vehicle in the state. With bustling urban centers, rural landscapes, and everything in between, Illinois offers diverse driving experiences. To provide yourself with financial protection and comply with state laws, understanding the nuances of car insurance in Illinois is essential. Here’s an overview of key considerations regarding car insurance in Illinois, including coverage requirements, available discounts, and driving trends for the state.
NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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Bodily injury liability coverage
$25,000 per person per accident / $50,000 total per accident
Property damage liability coverage
$20,000 per accident
Uninsured Motorist Bodily Injury Coverage (UM)
$25,000 per person / $50,000 per accident
Underinsured Motorist Bodily Injury Insurance (UIM)
$25,000 per person / $50,000 per accident
Source: Illinois Department of Insurance
Optional Car Insurance Coverage (varies by carrier)
- Accidental Death Benefit
- Custom/Non-Factory Equipment
- Gap Coverage for Leased or Financed Vehicles
- Medical Payments
- Physical Damage/Repair/Replace Coverage
- Rental Reimbursement
- Towing
- Uninsured Motorist Property Damage (UMPD)
- & more. Be sure to ask your insurance agent.
Source: Illinois Department of Insurance
Frequently Asked Questions
No, Illinois is not a no-fault state. It follows a traditional fault-based system for handling car accidents, where the at-fault driver is responsible for paying damages.
Source: WalletHub
Personal Injury Protection (PIP) is not required in Illinois. Unlike some other states that mandate PIP coverage, Illinois does not have this requirement. However, Illinois drivers have the option to purchase Medical Payments Coverage (MedPay), which is similar to PIP in that it helps cover medical expenses for you and your passengers regardless of who is at fault in an accident.
Source: MoneyGeek
Yes, Illinois requires uninsured motorist coverage to protect drivers in case they are involved in an accident with a driver who does not have insurance or does not carry sufficient insurance coverage.
Source: Illinois Department of Insurance
You Could Save Hundreds
SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.
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SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.
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