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Auto Insurance - Chicago, Illinois
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Chicago Auto Insurance

With so many companies offering car insurance in Illinois, how do you choose the auto insurance that's best for you? When deciding on an insurance company, there are many factors to consider, such as your personal lifestyle and even your other insurance needs.

There's so much to do in the Windy City - from professional sporting events to movies in Millennium Park, from the annual auto show at McCormick Place to the enviable restaurants in Lincoln Park and River North. Residents need automobile transportation to do and see it all, but you also need auto insurance coverage that protects you. Allstate offers a wide variety of auto insurance options for drivers in Chicago, as well as other products like homeowners insurance and life insurance.

Illinois Auto Insurance Requirements

Although the state of Illinois requires minimum auto insurance coverage levels, only you can decide which specific car insurance coverages are right for you. The chart below outlines details about Illinois - required coverage levels and the most common car insurance coverages.

Coverage Scale
Coverage Illinois Minimum Requirements Most Common**
Illinois Drivers
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 100 deductible
*Understanding the table: XX/XX = bodily injury or death of one person in any one accident/bodily injury or death or two or more persons in any one accident.
**Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles 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 minimums.
For more information about Chicago auto insurance or to get an auto insurance quote, contact your local Allstate agent.

Illinois Auto Insurance Discounts

Once you know the amount of auto insurance coverage you need in Illinois, take a few minutes to learn about the types of auto insurance discounts that might be available to you. Allstate offers discounts for safe drivers, good students, those who carry multiple policies with Allstate, and more. Contact your Allstate agent to learn more.

What's Happening in Chicago

Allstate Insurance in Chicago, Illinois The Chicago area covers 85 different zip codes, as well as 2 additional zip codes for Harwood Heights and Prospect Heights. Some of the most common claims reported in the Chicagoland area include:

Common Claims
Type of Claim Average Cost per Claim
Water Damage $13,441
Theft/Burglary $3,838
Physical Damage (all other) $3,367
Liability (all other) $4,342
Mysterious Disappearance $2,851
Talk with your Allstate agent to help ensure you have the right amount of coverage for your auto and property. Your agent can provide insurance quotes on a range of products including homeowners insurance and life insurance.

To learn more about the types of insurance claims frequently filed in Chicago, Harwood Heights, Prospect Heights, and other surrounding areas, use our Common & Costly Claims tool.

Illinois Graduated Driver Licensing

Teenagers tend to be a high-risk group when it comes to driving. In fact, each year there are more than 400,000 car crashes involving young drivers age 16-20 years old. To help reverse some of the staggering vehicle-related accident statistics, the state of Illinois adheres to a Graduated Drivers License (GDL) system. The system puts teen drivers through a rigorous program designed to educate and train young, novice drivers.

The following table outlines the GDL requirements and restrictions for Illinois.

Graduated Driver Licensing (GDL)
Insurance Institute for Highway Safety Rating Good
Minimum Entry Age
(Optimal: 16)
15 years
Extended Learner Period
(Optimal: at least 6 months)
6 months
Parent Certification
(Optimal: 30 hours minimal)
50 hours, 10 of which must be at night
Night Restriction
(Optimal: 9 or 10 p.m.)
10:00pm - 5:00am
Passenger Restriction
(Family members excepted unless otherwise noted)
First 6 months: no passengers younger than 18
Minimum Exit Age
(Optimal: 18)
18 for nighttime restrictions; 16 years, 6 months for passenger restrictions
Allstate wants to help ensure that your teen learns safe driving habits right from the start. That's why we implemented the Allstate Teen Driver program.

Chicago, Illinois Profile

Insurance rates can be influenced by factors such as whether you own or rent your home, and whether you have multiple insurance policies with the same carrier. When reviewing your insurance needs and policies, you may also want to consider some of the US Census Data that comprises Chicago's profile:

Some Great Facts About Chicago
Item Statistic
Median HH Income: $46,877
Education: 32.2% have a Bachelor's degree or higher
Own/Rent 47.8% own their home
Total Population: 2,695,598 (in 2010)
Number of schools: 600+ public elementary and high schools, making it the third largest school district in the country
Allstate auto insurance offers policies that help protect you so that you and your family can have peace of mind when on the road. To get started, find an agent near you, get a no-obligation auto insurance quote online, or call us at 1-866-621-6900.

See how much you could save!

Call: 1-866-313-0680

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