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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 free Illinois car insurance quote and gain instant access to our interactive insurance guide, Coverage Counselor®, which helps you tailor your policy coverages, limits, and deductibles to your every need.

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 (UM) is also required with the same minimum limits as BI (20/40). This coverage protects you, 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
  • 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
  • Claims history
  • Location
  • Make and model of your car
  • Vehicle ownership
  • Annual mileage
  • Credit history
  • Prior insurance history
  • The coverages and limits you select

Info Illinois drivers should know

Uninsured drivers in Illinois

The Insurance Research Council recently estimated that 15 percent of Illinois' drivers 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.

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 (ILAIP) 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.

The Esurance Coverage Counselor®
Get a personalized Illinois policy recommendation in just a few minutes.

Wonder if you could be saving on car insurance?

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or call 1-800-378-7262