Illinois Auto Insurance
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- Illinois Auto Insurance
If you’re a resident of the Land of Lincoln, you should know that the state has some of the most strict auto insurance requirements in the country. You must maintain a minimum of $50,000 worth of overall coverage for things like bodily injury liability and both uninsured and underinsured motorist coverage. That makes getting an Illinois auto insurance policy all the more important.
From Chicago to Markham and from Southern Illinois to Rockford, every driver in Illinois is required to maintain the same minimum coverages. But just because you have the same coverage as your neighbor, that doesn’t mean you have to pay the same price.
At Clovered, we’ve teamed up with some of the best auto insurance companies in Illinois to provide affordable liability and full coverage auto insurance in the state. When you’re searching for the best-rated, cheapest and all-round best Illinois auto insurance, Clovered has your back.
What Auto Insurance Is Required in Illinois?
In the Land of Lincoln, you must maintain the following minimum coverages, which are some of the highest minimums in the country, effecting deeming nearly every policy in the state as meeting the Illinois full coverage auto insurance requirements.
But failure to maintain these minimums can result in some serious trouble, including fines, loss of license and even jail time. So this is what you need to know.
- Bodily Injury: $25,000 per person, $50,000 per accident
- Property Damage: $20,000 per accident
- Uninsured Motorist: $25,000 per person, $50,000 per accident
- Uninsured Motorist Property Damage: $15,000 per accident
- Underinsured Motorist: $25,000 per person, $50,000 per accident
What Does Illinois Auto Insurance Cover?
Property Damage Liability
This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.
Collision Coverage
This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.
Comprehensive Coverage
This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.
Bodily Injury Liability
If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.
Personal Injury Protection
Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.
Medical Payments
This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.
Gap Coverage
If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.
Towing & Labor
An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.
Rental Car
You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.
Uninsured Motorist
This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.
Underinsured Motorist
This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.
When Did Auto Insurance Become Mandatory in Illinois?
Auto insurance became mandatory on January 1st, 1990, after a law was signed and put in place by the state’s legislators. Although it became mandatory at the beginning of the ‘90s, minimum coverage amounts have changed drastically through the years. As they should, especially since vehicle prices, medical treatments and lawsuit numbers have all increased drastically.
How to Get Cheap Auto Insurance in Illinois
Auto insurance prices are based on a number of factors, including your driving history, type of vehicle and how many years you’ve been on the road. But just because you’ve hit some bumps in the road doesn’t mean you should be paying an arm and a leg for coverage.
We’ve partnered with some of the best auto insurance companies in Illinois, which allows us to also get the best and most cheap auto insurance in the state out to the general public like you. Simply give us a call and we can provide you with the cheapest coverage that meets all of the Illinois auto insurance laws.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.