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illinois car insurance that’s right for you, not someone sorta like you

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 your free Illinois car insurance quote and gain immediate access to 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 can benefit from our award-winning website, 24/7 customer service, and affordable car insurance rates.

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
  • DriveSense™ 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*

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 can 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:

  • $20,000 for bodily injury (BI) liability coverage per person
  • $40,000 for bodily injury liability coverage per incident
  • $15,000 for property damage liability coverage per incident

You'll often see these limits written as 20/40/15.

Uninsured/underinsured motorist bodily injury coverage is also required with the same minimum limits as BI (20/40). This coverage protects you and your passengers, financially, from uninsured drivers.

Optional coverages

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

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

how your illinois car 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
  • Vehicle ownership
  • Annual mileage
  • Prior insurance history
  • The coverages and limits you select
  • Discounts you qualify for

info illinois drivers should know

Uninsured drivers in Illinois

The Insurance Research Council estimated that 15 percent of drivers in Illinois were uninsured in 2009. This was a bit higher than the national average of 13.8 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 coverages 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?

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