With so many companies offering auto insurance in Illinois, how do you choose the car insurance that's right for you? Regardless of where you live in Illinois, Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products for Illinois drivers. As your auto insurance needs change, your local Allstate agent will take the time to help you make the right choices. If you have a teen driver, there are many other considerations your local Allstate agent can also help you with. Refer to the IL Graduated Driver Licensing chart below for more information.

Consider yourself a safe driver? If so, you may qualify for an additional discount if you sign up for the Allstate Drive Wise program. Call your Allstate agent to learn more.

For more information on this state, visit the Illinois State Information or Illinois State Catastrophe page.

Illinois Auto Insurance Coverage Scale

As you consider what auto insurance coverages are right for you, keep in mind that Illinois has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Illinois-required coverage levels and the most common car insurance coverages.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		20,000/40,000*	100,000/300,000

	Property Damage Liability		15,000*	100,000

	Uninsured Motorist Bodily Injury		20,000/40,000*	100,000/300,000

	Medical Payments		Not required*	5,000

	Collision		Not required*	500 deductible

	Comprehensive		Not required*	250 deductible

Illinois Graduated Driver Licensing

Licensing (GDL) laws with them. Illinois has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.


	Minimum Entry Age (Optimal: 16)			15
	Minimum Entry Age (Optimal: 16)			15

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has optimal provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has the provision but it is not optimal

	Passenger Restriction (Optimal: No teenager passengers or only one-family excepted)			Has optimal provision

	Minimum Exit Age/ Minimum age at which restrictions are lifted (Optimal: 18)			18

Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Indiana, Iowa, Kentucky, Wisconsin, Minnesota, Missouri, Ohio

Visit Allstate's Chicagoland Blog where you'll find tips on home, renters, life and car insurance; news about financial planning and retirement; and helpful info on life in Chicago, Illinois.

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Illinois. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

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