Driving in Chicago can be an exciting adventure. From navigating the bustling streets of downtown to dealing with the ever-changing weather conditions, this Midwest city can offer breathtaking moments as well as stressful driving situations. Whether you're commuting on the Kennedy Expressway or cruising down Lake Shore Drive, having auto insurance in Chicago may be useful if you’re involved in a covered accident. 

In Illinois, the state requires drivers to carry a minimum amount of liability auto insurance, which can help pay for damages you cause to someone else or their vehicle. By working with Illinois Vehicle Auto Insurance, LLC (Illinois Vehicle), we can help guide you through the auto insurance process and assist you with finding the coverage you need.  

Why choose Illinois Vehicle in Chicago? 

Illinois Vehicle is a reliable agency for drivers throughout the Chicagoland area. We work with insurers that can offer insurance coverage at competitive rates and are ready to help meet the diverse needs of our customers. Here are some reasons that may help you choose us:  

• Convenient locations: Our stores are located throughout the Chicagoland area, including Joliet, Elgin, and Waukegan.  
• Experienced agents: Our team is knowledgeable about Illinois auto insurance requirements and can help you find the coverage that matches your needs.  
• Different licenses accepted: Insurers we represent accept various license types and documentation, including Matricula Consular and foreign licenses. 
• Diverse driving histories welcome: No matter your driving history, we can help you find an auto insurance policy.  
• SR-22 coverage available: If you need an SR-22, we can help guide you through the filing process.  
• Additional coverage options: Our carriers offer extra coverage like roadside assistance and rental reimbursement, which can help you avoid paying out of pocket for covered situations and accidents.  
• Bilingual customer support: Our team is ready to assist a wide variety of clients by providing services in both English and Spanish. 

Car insurance requirements in Chicago 

The State of Illinois requires all drivers to maintain the minimum liability insurance. At Illinois Vehicle, we can help you meet the required coverage as well as offer additional coverage that may align with your needs. If you need liability coverage, you should know that the minimum liability limits in Illinois include: 

• $25,000 for injury of one person in a crash 
• $50,000 for injury of more than one person in a crash 
• $20,000 for damage to property of another person 

Drivers in Illinois are also required to purchase the state minimum for uninsured motorist coverage. Though this coverage could mean both uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD), the state only mandates that drivers purchase the former. UMBI can help pay for injuries you receive from an accident involving an uninsured driver, while UMPD may cover damages to your vehicle from an uninsured driver. In Illinois, your required UMBI limits are: 

• $25,000 for bodily injury per person 
• $50,000 for bodily injury per accident 

Though these mandates represent the minimum liability coverage needed, this may not cover other situations or accidents you might encounter on the road. At Illinois Vehicle, we can help you customize your auto insurance policy with other coverages like comprehensive, medical payments, and collision.   

Cost of car insurance in Chicago 

Finding cheap car insurance in Chicago may be hard to find or navigate. Drivers should know that the cost of car insurance may vary based on a combination of many factors. If you live in the Chicagoland area, some things that may influence your insurance rates are: 

• Your driving history 
• Age  
• Type of vehicle 
• Your coverage limits 
• Your location in the city 

Save on Chicago car insurance with discounts 

Illinois Vehicle works with carriers that can offer insurance discounts that may help you save money on your policy. You can ask our agents about what discounts you may be eligible for, which can include: 

• Paid in full discount: You may get a discount for paying your auto insurance policy in one complete sum. 
• Multi-vehicle discount: If you’re looking to insure multiple vehicles under one policy, you may receive a discount.  
• Good student discount: Young drivers with good grades may qualify for a discount. 
• Proof of prior coverage discount: If you show proof of having prior auto insurance, you may be able to get a discount on your new policy.  

Get a free quote with Illinois Vehicle 

Looking to start your auto insurance journey? Illinois Vehicle can offer multiple ways for you to get a car insurance quote in Chicago. You can: 

• Call us at 1-630-581-4805 to speak with a knowledgeable agent. 
• Use our website to get a speedy, auto insurance quote. 
• Visit one of our Chicagoland stores to meet with an agent and discuss your options in person. 

If you’re an Illinois resident and looking for auto insurance, Illinois Vehicle is here to help guide you through the process. Our agents can help you find coverage that fits your requirements and budget.   

Disclaimer
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.