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Illinois Auto Insurance

Click here to find low Illinois auto insurance rates from leading Illinois auto insurance companies.


When shopping for Illinois auto insurance make sure you get any qualifying discounts. Compare Illinois auto insurance companies by checking the insurance ratings with Standard and Poor's or Moody's online. Consumers can also check with the Illinois Insurance Department for consumer complaint ratios against specific Illinois auto insurance companies.

Illinois auto insurance law: minimum required auto insurance

Liability limits (in 100's) PIP required No Fault State Uninsured Motorist coverage required
20/40/15 No No Yes

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.
First number: bodily injury liability maximum for one person for injuries you caused to the other party
Second number: bodily injury liability maximum for all injuries in one accident
Third number: property damage liability maximum for one accident

These are the minimum required liability limits by the state of Illinois. The insurance industry usually recommends that consumers consider higher levels of coverages. Illinois auto insurance companies offer higher levels of coverage that exceed the minimum amounts. Consumers should also consider optional coverages including medical payments, uninsured and underinsured motorist coverage, collision, and comprehensive coverages. The amount of optional coverage you choose directly affects your Illinois auto insurance rates.

Click on the link for more information about Illinois auto insurance quotes.

You can get Illinois auto insurance rates online here.