Illinois Auto Insurance

In Illinois, you should understand specific regulations and coverage options to ensure you’re adequately insured.

Necessary and Optional Coverage

Illinois mandates that all drivers carry auto insurance, including the following:

• Bodily injury liability may help pay for injuries sustained by others in an accident you’re responsible for.
• Property damage liability may help cover damage to someone else’s property, such as their vehicle or a fence, caused by your accident.

While Illinois’ minimum requirements provide a basic level of protection, additional coverage options are designed to help offer additional financial assistance. Your agent may recommend the following:

• Collision coverage may help cover damage to your vehicle resulting from a collision with another vehicle or object, regardless of fault.
• Comprehensive coverage may help pay for damage from non-collision incidents such as theft, vandalism, natural disasters and hitting an animal.
• Medical payments may help pay for accident-related medical expenses for you and your passengers, up to the policy’s dollar limits.
• Personal injury protection may help pay for accident-related medical expenses, rehabilitation, lost wages and household services for you and your passengers up to the policy’s dollar limits.
• Rental reimbursement may reimburse you for rental car expenses while your vehicle is being repaired due to a covered loss.

Factors Affecting Your Premiums

Several factors influence the cost of your auto insurance premiums in Illinois, including your driving record, vehicle value, location, credit score, age and gender, and the coverage limits and deductibles you choose. An experienced local agent can help you compare car insurance quotes to get favorable rates.

Contact Us

Contact Express-Way Insurance & Tax Services in Chicago, IL, to learn about your car insurance options and compare multiple quotes from reputable local insurers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.