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Chicago Car Insurance

The most populous city in the state of Illinois and the third most populous in the United States, Chicago is located along the shores of Lake Michigan. It's a hub of culture, commerce, industry, technology and transportation. From tall buildings to plenty of tourist destinations, Chicago has had a worldwide impact on music, food, architecture and the arts, as well. It's home to professional sports teams in basketball, hockey, soccer and football, as well as two in baseball. The summers are hot and humid while the winters are cold and snowy. Along with an extensive transportation system, there are numerous Interstate Highways that run through and near the Chicagoland area, including Interstates 55, 57, 65, 80, 88, 90, 94, 190, 290, 294 and 355.

When it comes to auto insurance, every state has different requirements. For drivers in Chicago, you can see what coverage and coverage limits Illinois requires in the list below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

A Chicago Allstate agent can help you understand the different insurance types available to you.


When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

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Chicago Car Insurance Requirements

Auto liability insurance is a type of car insurance coverage that's required by law in Illinois, so Chicago drivers must have it.

More specifically, the following liability coverages and uninsured/underinsured motorist coverage are the minimum required in Chicago:

  • $25,000 bodily injury liability limit per person
  • $50,000 bodily injury liability limit per accident
  • $20,000 property damage liability

Collision1 and comprehensive1 coverage are not required for Chicago drivers.

All coverages are subject to the coverage limits stated in your policy.

1Although Illinois law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Chicago Auto Insurance Discounts

It's possible to get quality coverage in Chicago at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Chicago drivers can find many ways to save with Allstate.

Multiple Policy Discount

Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.

New Car Discount

You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.

Learn more about these discounts and other car insurance discounts that may be available by contacting your local Chicago agent today.

Proof of Insurance in Chicago

If you are stopped by the police and asked to show your auto insurance card, drivers in Chicago can show an electronic insurance card. Most states, including Illinois, permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop.

Related Resources

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

Coverages, features, and discounts subject to terms, conditions, and availability which may vary by state. Policy issuance subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2021 Allstate Insurance Company, Northbrook, IL.
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