Waukegan, Illinois Auto Insurance

Get Auto Insurance in Waukegan, IL 

If you’re a Waukegan resident, you’re probably familiar with long commutes to Chicago or taking scenic drives through the bustling downtown attractions. Whether you’re taking extensive rides or just driving around the city, you may need auto insurance in Waukegan, IL. Especially with harsh weather conditions in the wintertime, having the right insurance for you may help you navigate certain weather incidents.  

With Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle), we can help you find coverage that aligns with your needs and budget. Here, we’ll discuss what minimum insurance is required in Illinois, the costs of car insurance in Waukegan, and how Illinois Vehicle can assist you with your insurance journey.  

Requirements for car Insurance in Waukegan, IL 

In Waukegan, like the rest of Illinois, you’re required by law to carry the minimum liability coverage. Liability insurance can help pay for damages you cause to someone else’s vehicle or injuries to a third party from an accident. As of June 2025, here’s what the Illinois liability limits are: 

• $25,000 for injury of one person 
• $50,000 for injury of more than one person  
• $20,000 for damage to a third party’s property 

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 at-fault uninsured driver, while UMPD may cover damages to your vehicle from an at-fault 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 limits are Illinois requirements, the mandated minimum coverage may still leave you uncovered in certain accidents. Here are some additional car insurance coverages you may want to be familiar with before purchasing a policy: 

• Collision coverage: This insurance can help pay for repairs to your vehicle if you're involved in an accident, regardless of who’s at fault. 
• Comprehensive coverage: This may cover non-collision damage to your car, like vandalism, theft, or weather-related incidents. 
• Medical payments coverage: This insurance can help pay for medical expenses for you or your passengers after an accident.  

Cost of car insurance in Waukegan 

In Waukegan, insurance rates can vary widely. This is because insurers may use a combination of factors to determine your premium. Some factors that may be considered are: 

• Driving history 
• Location  
• Your vehicle make, model, and year 
• The amount of coverage you purchase 

Understanding what may increase or decrease your premium can help you make informed decisions on your auto insurance policy.  

Save on auto insurance in Waukegan with discounts 

Though you may be worried about how expensive your car insurance payments could be, you’re not entirely out of luck. At Illinois Vehicle, we work with carriers that can offer several ways to save on your policy. Here are some discounts for car insurance in Waukegan, IL that you may be eligible for:  

• Paid-in-full discount: Paying your policy in full rather than monthly may save you money on your premium.  
• Multi-vehicle discount: If you’re bundling more than one car on an auto insurance policy, you may be able to receive a discount.  
• Good student discount: If you keep up your grades in school, you might qualify for a discount.  
• Proof of prior coverage discount: If you have a history of maintaining your auto insurance prior to working with us, you may be able to save on your new coverage.  

Why choose Illinois Vehicle in Waukegan? 

Illinois Vehicle is a trusted local agency that can help Waukegan residents find flexible auto insurance solutions. If you’re on the hunt for car insurance, here are a few reasons why choosing us may be useful for you: 

• Flexible payment options: We work with insurance providers who can accept both cash and credit payments.  
• Accepts multiple types of licenses: Our carriers can assist drivers with a variety of driving histories and licenses, including Matricula Consular, temporary licenses, and foreign driver’s licenses.  
• SR-22 insurance: If you're required by a court to get an SR-22, our agents can help you navigate the filing process.  
• Spanish-bilingual support: Illinois Vehicle agents can offer Spanish-bilingual customer support for those who’d prefer to communicate in Spanish.  
• Expert agents with local knowledge: Our agents are highly knowledgeable about the ins and outs of Waukegan’s car insurance laws and regulations. 

Get a quote today 

Now that you’re familiar with some auto insurance basics in Waukegan, you may be ready to find a policy. At Illinois Vehicle, we can compare rates from multiple carriers, helping you locate coverage that aligns with your budget. Call us at 1-630-581-4805, stop by our Waukegan store, or visit our website for a free personalized quote today!  

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.