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. 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.

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Illinois car insurance state minimums

Coverage type
State requirements

Bodily injury liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.

$25,000 limit per person/$50,000 limit per accident

Property damage liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.

$20,000 limit

Uninsured motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.

$25,000 limit per person/$50,000 limit per accident

Underinsured motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.

Grouped with uninsured motorist coverage

Personal injury protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.

Not required

Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.

Not required¹

Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.

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.

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Drive with quality coverage on your side. Allstate auto insurance can help you stay protected on the road!

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

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’s 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.