Coverage designed with you in mind
The sixth most populous state in the country, Illinois is in the Midwestern and Great Lakes region of the United States. Home to Chicago, Springfield and Rockford, Illinois is bordered by Lake Michigan, the Mississippi River, the Ohio River and the Wabash River. It has a diverse culture and industrial base that make it a microcosm of the entire United States. It has two popular professional baseball teams, along with professional basketball, football, soccer and hockey teams. Interstates 55, 57 and 39 run north to south through the state, while Interstates 90, 70, 74 and 80 run east to west. When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different.
New Allstate auto insurance in Illinois, with all-new ways to save
We’ve rolled out an all-new way to protect your ride and your wallet. Allstate’s all-new car insurance redesigned to be more simple and personalized.
Save more than ever with a new Drivewise®
Connect your driving data to save up to 30% with your everyday safe driving. The safer you drive, the less you’ll pay. Plus an extra 10% just for participating.*
Good drivers save more with Allstate
Get rewarded with a big discount for not having any recent tickets or accidents.
Auto insurance made simple
A new quoting experience makes it easier than ever to understand your coverage and savings.
Enjoy extra savings for driving fewer miles
Get a policy that reflects the miles you drive in a year.
Illinois car insurance state minimums
Finding the right car insurance for you means staying up to date on Illinois requirements. The table below lists the coverages and minimum coverage limits that are required in Illinois. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
Coverage type | State requirements** |
|---|---|
Bodily injury liability | $25,000 limit per person/$50,000 limit per accident |
Property damage liability | $20,000 limit |
Uninsured motorist | $25,000 limit per person/$50,000 limit per accident |
Underinsured motorist | Grouped with uninsured motorist coverage |
Personal injury protection | Not required |
Collision | Not required¹ |
Comprehensive | Not required¹ |
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.
Other types of car insurance coverage in Illinois
Allstate also offer these other types of car insurance coverage:
- Roadside coverage
- Ride For Hire®
- Rental reimbursement coverage or transportation expense coverage
Learn about these and other car insurance coverage types available.
Illinois car insurance discounts
It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for Illinois auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy / bundling discount
- New car discount
- Early Signing Discount®
- Responsible payer discount
- Good student discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
Insurance bundling discounts
Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you money. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.
Factors that can impact your car insurance rates in Illinois
In addition to selecting the coverages, limits and deductibles that’s right for you, these factors could also affect your car insurance rates in Illinois:
- The type of car you’re insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like zip code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.
Illinois rules on electronic proof of insurance
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Illinois, you are allowed to show an electronic copy of your insurance card on your mobile device.
You can use the Allstate mobile app for iPhone® and Android® to access a digital ID card.