Chicago Car Insurance Made Simple

Whether you’re visiting or commuting through this energetic midwestern city, getting affordable car insurance in Chicago doesn’t have to be complicated. Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle), helps drivers in the Chicagoland area find simple and budget-friendly car insurance options.

Chicago drivers choose Illinois Vehicle for the following perks:

• Assistance from experienced, Spanish-bilingual agents
• Affordable and customized insurance options that fit your needs
• Flexible payment plans
• SR-22 filing services, including non-owner SR-22
• Full coverage insurance options
• Commercial auto insurance options for small business owners
• Multiple locations throughout Chicagoland
• We accept foreign licenses, Matricula Consular, and temporary licenses

Ready to find coverage at prices that match your budget? Illinois Vehicle helps drivers find low-cost auto insurance in Chicago. For a free quote, call us at 630-581-4805 or get a car insurance quote online.

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Continue below to see the Chicago car insurance requirements, what affects insurance prices, SR-22 requirements, and how we can help.

How much is car insurance in Chicago?

In Illinois, the average cost of car insurance is $2,491 yearly for a policy that includes the required insurance minimums, according to Bankrate. If you live in Chicago, you may pay more than drivers who live in less dense areas.

Why Chicago car insurance quotes can be higher

Chicago residents typically see higher premiums since their zip code also affects insurance prices. Areas with higher traffic and more crime incidents often experience increased rates.

Drivers looking for cheap auto insurance in Chicago should consider these factors that may help lower their premiums:

• Chicagoans with clean driving records often pay less for insurance than those with less-than-perfect histories
• Experienced drivers may pay less than new or teen drivers
• Drivers with a lower annual mileage tend to see lower premiums than those who drive more often

Getting a fast quote for auto insurance in Chicago is simple. Illinois Vehicle can help you compare multiple insurance companies at once. To get a quote, you need:

• Your license status and age
• Basic vehicle information
• The zip code where you usually store your vehicle

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To get a quote, call Illinois Vehicle at 630-581-4805.

Chicago minimum auto insurance requirements

The state of Illinois requires drivers to have liability coverage and uninsured/underinsured motorist coverage, according to the Illinois Department of Insurance. Here is a helpful summary of these requirements:

Liability coverage

The Illinois liability coverage is known as 25/50/20, which means your car insurance must cover:

• $25,000 for bodily injury or death per person
• $50,000 total for injury or death per accident
• $20,000 for damages to the other person’s property

Liability coverage doesn’t cover your own injuries or damages to your property.

Uninsured (UM)/underinsured motorist (UIM) coverage 

If you’re in a covered accident with an at-fault driver who doesn’t have insurance, uninsured motorist coverage (UM) helps pay for injuries to you and your passengers. The required UM limits in Illinois are $25,000 per person and $50,000 per accident.

On the other hand, underinsured motorist coverage (UIM) helps pay for your and your passengers’ injuries when another at-fault driver doesn’t have enough insurance. It’s required if you purchase higher UM limits.

Collision vs. comprehensive coverage in Chicago

Chicago drivers may opt for these optional types of coverage:

• Collision coverage: It helps pay for repairs or replacement of your vehicle after a covered accident. It typically has a deductible, which is the amount you pay before your policy kicks in.
• Comprehensive coverage: It helps pay for damages to your vehicle caused by covered events that aren’t collisions. These events include theft, vandalism, extreme weather, and falling objects. It also has a deductible.

Chicago drivers choose collision and comprehensive coverage for the following reasons:

• Their vehicle is financed, and the lender requires it.
• They use street parking and want a financial safety net in case of theft, vandalism, or harsh weather events such as hail.
• They have a higher-end or luxury vehicle.

Why Chicagoland drivers choose Illinois Vehicle for auto insurance

Illinois Vehicle offers budget-friendly car insurance options for Chicagoland residents. We offer simple solutions, SR-22 filing services, and help from experienced, Spanish-bilingual agents.

Illinois Vehicle can help you find qualifying discounts. Here are some ways you may be able to lower your car insurance rates:

• Having a clean driving record
• If you are a student with a good academic record
• Having continuous coverage without lapses
• Using anti-theft systems in your vehicle or a telematics app (an app that tracks your driving habits, offered by some insurers)
• Paying your policy in full up front
• Bundling multiple vehicles under one policy

Ask an Illinois Vehicle agent which discounts may apply to you. We can help you compare multiple insurance companies at once. Call 630-581-4805 to speak with a Spanish-bilingual agent.

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What happens if you drive without insurance in Chicago?

According to the Illinois Secretary of State, if you’re involved in an accident or stopped for a traffic violation, you may get a citation if you don’t have proof of insurance. If convicted, your license plates will be suspended, and you may have to pay these fines:

• $500 minimum for driving without insurance
• $1000 minimum for driving with suspended license plates after a previous insurance violation
• First-time offenders may reinstate their license plates after purchasing liability insurance and paying a $100 reinstatement fee through ILIVS.com

How to file ILIVS insurance verification in Chicago

If you drove a vehicle without insurance, you may receive a letter from the Illinois Secretary of State asking you to reinstate your license plates. To process the reinstatement, you must:

• Contact a trusted auto insurance agency
• Purchase the required minimum liability coverage
• Ask your insurance agent to verify your policy through the ILIVIS portal
• Visit ILIVS.COM (Illinois Electronic Insurance Verification System) and use the reference number printed on the letter you received
• You may then pay the $100 reinstatement fee within the stated deadline

Looking for budget-friendly car insurance in Chicago? Get a free car insurance quote online.

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Get back on the road with SR-22 insurance in Chicago

Often called “SR-22 insurance,” an SR-22 is a certificate that proves you have the minimum insurance coverage required by the state. Drivers may be required to obtain an SR-22 after certain traffic violations, including driving without insurance.

Chicago drivers can’t file for an SR-22 on their own. They must contact a trusted insurance agency that can file the SR-22 form with the Illinois Secretary of State for them.

If you need an SR-22 in Chicago, Illinois Vehicle can help. Our services include:

• Easy, electronic filing
• Same-day SR-22 proof of insurance*
• Non-owner SR-22 available for drivers required to carry this proof of insurance who don’t own a vehicle

*Your policy needs to be bound and initial payments received to get same-day proof of insurance. If your policy lapses or expires, the SR-22 may no longer be valid. Speak with an Illinois Vehicle agent for more information.

Nearby Chicago locations

Illinois Vehicle boasts multiple low-cost auto insurance agencies throughout Chicagoland. Visit us in: 

• Chicago, IL
• Aurora, IL
• Cicero, IL
• Elgin, IL
• Joliet, IL
• Rockford, IL