Illinois Car Insurance

Auto insurance minimums in Illinois

In Illinois, drivers are required to carry the following minimum liability coverage limits for auto insurance:

• Bodily Injury Liability Coverage:
  • $25,000 per person
  • $50,000 per accident
• Property Damage Liability Coverage:
  • $20,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you’re responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering, and lost wages. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else’s property that you’re responsible for causing in an auto accident. It can apply to the damage of the other person’s vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitation and exclusions.

It’s important to understand that these are just the minimum requirements, and Illinois drivers may choose higher coverage limits for added protection.

Additional Illinois car coverage considerations

In addition to meeting Illinois’ auto insurance requirements, many drivers choose to add optional coverages to help address common gaps in protection. These coverages can offer support with situations like:

• Damage to your vehicle, including accidents and other covered losses.
• Injuries and medical expenses following an accident, regardless of fault.
• Support after a loss, such as transportation or roadside assistance.

Each of these coverages helps protect against different types of risk. You can add them individually or combine them in ways that match the level of protection you’re looking for. Learn more about common auto insurance coverage how they work.

Customizing auto insurance in Illinois

After reviewing standard and optional coverages, you may be wondering how Illinois drivers typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what drivers often select. Then, you can adjust and customize from there, choosing what feels right for your car and budget.

Essential

Core coverage that’s designed to meet the needs of many Illinois drivers. Essential focuses on the foundational protections you expect in a standard auto policy, including coverage for your vehicle, injuries and damage you may cause to others, and common risks you face on the road. It’s a straightforward option without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and upgrades that go beyond a standard policy. It’s a good fit if you want extra flexibility and additional protection for things like roadside assistance or certain types of damage.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and extra safeguards. It’s designed to help reduce gaps in coverage and provide more confidence if a claim is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Illinois. Explore coverage options with YourPlan.

How Illinois auto insurance rates are determined

There are several factors that impact auto insurance in Illinois, including individual circumstances, location, weather patterns and more. Consider these key points:

• Driving history: Your individual driving record significantly impacts insurance premiums. Illinois drivers with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower premiums.
• Coverage options and limits: The types and amounts of coverage you choose affects your premiums. Opting for the minimum required coverage in Illinois tends to be more affordable, whereas adding optional coverages with higher limits increases premiums.
• Vehicle type: The make and model of your vehicle can influence your rates in Illinois. Safety ratings, repair costs and the likelihood of theft contribute to premium calculations. 
• Claims in Illinois: Insurance rates may be influenced by the frequency and severity of claims filed within the state. Accidents, theft or other incidents could lead to increased premiums for all drivers in Illinois.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Illinois car insurance discounts

Amica offers various auto insurance discounts to help Illinois drivers save more money on their premiums^.1 Here are some discounts that you may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Defensive driver training: Drivers age 55+ who take an approved driver safety course can earn a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Illinois policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, drivers in Illinois who bundle their policies with Amica may qualify for a valuable multiline discount.¹

Facts and figures about Illinois

Fun facts about Illinois:

• Route 66, nicknamed "The Mother Road," features 300 miles in Illinois. Along the route you’ll find museums, restaurants, photo stops and roadside exhibits.² 
• The small town of Casey has 12 of the world’s largest objects, each certified by the Guinness Book of World Records. Additionally, the world’s largest bottle of ketchup in the town of Collinsville, is recognized as a national landmark.³
• Illinois has a Vehicle Hijacking and Motor Vehicle Theft Prevention and Insurance Verification Council, whose goal is to reduce car theft, recover stolen vehicles and more.⁴

Facts about driving in Illinois:

• The Safe Driver Renewal program allows Illinois drivers with clean records to renew their license at home and visit a Driver Services location once every eight years.⁵ 
• Illinois law prohibits the use of handheld cellphones, texting or using other electronic devices while driving. Hands-free devices are allowed for drivers over the age of 19.⁵
• In Illinois, it’s against the law to flash your turn signals as a courtesy or “do pass” signal to other drivers.⁵