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Or call 1-800-378-7262.

Bundle your Illinois auto insurance with Esurance home insurance to score our Multi-Policy discount.

illinois car insurance

Illinois is rightly famous for its deep dish pizza and fields of corn. But it's the snowstorms, black ice, sub-zero temps, and the occasional twister that make getting the right car insurance so important. Get a personalized Illinois car insurance quote and take advantage of our intuitive CoverageMyWay®, which can help you choose coverage options that you believe are right for you.

Esurance embraces innovative online technology to make the insurance process hassle-free and easier to understand. We're sure every resident in the Land of Lincoln could stand to benefit from our easy-to-use website, 24/7 claims service, and affordable car insurance rates. Find out why we're the smart choice for reliable protection today.

what our customers say


I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida


Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina


The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

illinois car insurance discounts from esurance

Good news, Prairie State residents: we have a bunch of money-saving discounts to help you cut down on your premium. Here are a few:

  • Claim-Free discount
  • Multi-Car discount
  • Multi-Policy discount*
  • Paid-in-Full discount
  • Homeowners discount
  • Online Shopper discount®
  • Switch & Save® discount
  • Good Student discount
  • Defensive Driver discount
  • Anti-Theft discount

Discounts may vary. Already have a policy with Esurance? Call us at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts.

our illinois renters plus® discount**

Whether you live in Chicago, Decatur, Champaign, or beyond — protecting your valuables from fire or theft in your rented home or apartment is as easy as protecting your car. And with our Renters Plus discount, you could save money on your car insurance by adding renters coverage to your policy.

car insurance coverages in illinois

Required coverages

Illinois requires its drivers to carry the following coverages:

  • $25,000 for bodily injury (BI) liability coverage per person
  • $50,000 for bodily injury liability coverage per incident
  • $20,000 for property damage liability coverage per incident

You'll often see these limits written as 25/50/20.

Uninsured/underinsured motorist bodily injury coverage is also required with the same minimum limits as BI (25/50). It can protect you and your passengers, financially, from uninsured drivers and hit-and-run incidents.

Optional coverages

These additional coverages can give you extra financial protection in the event of a claim:

  • Comprehensive and collision (may be required by a loan or leasing agent)
  • Medical and funeral services payments
  • Uninsured motorist property damage
  • Towing and labor
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")

how your illinois auto insurance rate may be determined

Insurers in Illinois (us included) might consider the following factors when calculating your premium:

  • Age, gender, and marital status
  • Driving record and claims history
  • Location where you keep your car
  • Year, make, and model of your car
  • Annual mileage
  • Insurance history, including lapses
  • The coverages and limits you select
  • Discounts you may qualify for

info illinois drivers should know

Uninsured drivers in Illinois

The Insurance Research Council estimated that about 13 percent of drivers in Illinois were uninsured in 2012. This was a bit higher than the national average of 12.6 percent.

With so many drivers on the road without insurance, it's important to protect yourself with uninsured and underinsured motorist coverages. In the event of an accident with an uninsured or underinsured driver, these protections will step in to help pay for injuries sustained by you and your passengers, as well as repair or replacement costs for your vehicle.

Penalties for driving uninsured

If you're convicted of driving without car insurance, your license plates will be suspended and you could face a fine of at least $500.

Eletronic proof of insurance in Illinois

Drivers in the Land of Lincoln can take advantage of their state's law that allows motorists to show proof of auto insurance on electronic devices like smartphones and tablets. If you're covered by Esurance in Illinois, you can pull up your ID cards, manage your policy, and more, on our convenient mobile app.

Illinois' comparative negligence law

The state's modified comparative negligence law comes into play when both drivers are partially responsible for an accident. You can only recoup damages from the other driver if you're determined to be less than 50 percent at fault, and how much you can recover may depend on your share of the fault.

Alternative insurance options

If you're unable to purchase car insurance through typical channels, the IL Automobile Insurance Plan may be an option. To be eligible, you must have attempted (and failed) to purchase insurance within the past 60 days. Any licensed insurance agent or broker can apply to the program on your behalf.

esurance-approved car repair shops in illinois

Our E-star® network of repair shops guarantees repairs for as long as you own your car and offers RepairView®, which lets you track your repairs online.

Find a body shop near you.

Related links

5 steps to switching your car insurance
Learn more about the best way to go about switching over your car insurance.

Chicago car insurance
Live in Chi-Town? Read more about all things auto insurance in Chicago in our handy guide.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.


Notice to Illinois Policyholders Affected by the Flooding in July 2017

Illinois Department of Insurance — Company Bulletin 2017-03
Notice re: Cancellation, Non-renewal and Premium Payments
Issue Date: July 17, 2017
Effective date: July 12, 2017 to September, 30, 2017

Esurance is taking the following actions to implement Company Bulletin 2017-03 and to better protect our policyholders in the following counties that have been declared disaster areas: Cook, Kane, Lake, and McHenry.

  • Moratorium on cancellations and nonrenewals: Esurance will withdraw any cancellation or nonrenewal notice issued on or after July 12, 2017, on any in-force policy issued to an affected policyholder and/or property. In addition, Esurance will not issue any new cancellation or nonrenewal notices to affected policyholders and/or property until September 30, 2017, or a later time if deemed reasonable given an individual consumer's circumstances.
  • Other insurance-related time-period extensions: Esurance will grant affected policyholders an extension of any and all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim or proof of loss, reporting of information, submission of bills, or payment of funds. Such extension shall be for a minimum of 60 days from the last date allowed or required under the terms of the contract or allowed or required by Esurance, or longer if deemed reasonable given an individual consumer's circumstances.
  • Time-period extension for repairs: In the event repairs on affected property cannot be completed within the time period required under any policy, or within the 90-day time period for repairs prior to termination due to condition of the property [215 ILCS 5/143.27], Esurance will provide consumers with an extension of not less than 60 days to make such repairs.
  • Cancellation or nonrenewal respecting affected property: Although otherwise allowed under Illinois law, Esurance will refrain from canceling or nonrenewing insurance policies respecting affected property due to "increase in the risk originally accepted" [215 ILCS 5/143.21 and 143.21.1] or due to the geographic location of the risk [215 ILCS 5/155.22].
  • Other exceptions to policy or contract requirements or rating or underwriting rules: Esurance will consider exceptions to policy or contract requirements, or to other rating or underwriting rules not otherwise listed herein, when such contractual requirements or rating or underwriting rules are not met as a result of this disaster. Exceptions to policy or contract requirements or rating or underwriting rules include instances where an insured is displaced from his or her home and is unable to obtain non-emergency medical services from a network provider.
  • Availability of the Illinois Department of Insurance: Please be advised that for any disaster-related disputes or issues, consumers may call the Department's toll-free complaint hotline at 1-866-445-5364, or file a complaint online at