Commercial Auto Insurance

Illinois Vehicle Insurance Agency, LLC. is your trusted local agency that can help you find commercial auto insurance in Illinois that’s tailored to your business. With a few decades of experience, we understand the unique challenges faced by business owners, especially in bustling cities like Chicago. Over 1.3 million small businesses are found in Illinois, which means finding commercial auto insurance in Chicago may be essential. If you use vehicles for your business, Illinois Vehicle can help guide you through what coverage options are available and what insurance may be needed for your industry.   

Commercial auto insurance solutions 

At Illinois Vehicle, we work with providers that offer a variety of coverage options that may be helpful for your enterprise: 

• Liability coverage: This coverage can help pay for property damage to a third party or injuries to someone else caused by your business vehicle. 
• Collision coverage: This insurance can help pay for repairs to your vehicle if it’s damaged in an accident. 
• Comprehensive coverage: This can help cover damages from non-collision incidents like theft, vandalism, or natural disasters. 
• Uninsured/underinsured motorist coverage: This coverage may help pay for damages to your vehicle or bodily injuries sustained if you're in an accident with a driver who has little or no insurance. 
• Medical payments coverage: This insurance can help pay for medical expenses for you and your passengers in the event of an accident.  

Illinois commercial auto insurance requirements 

The state of Illinois mandates that all drivers have the required liability minimum coverage as well as the minimum uninsured motorist coverage for bodily injury. These limits are as follows: 

• Bodily injury liability: $25,000 per person and $50,000 per accident 
• Property damage liability: $20,000 per accident 
• Uninsured motorist coverage: $25,000 for bodily injury per person and $50,000 for bodily injury per accident 

Who needs a commercial vehicle policy? 

If you use vehicles for business purposes, you typically will need a commercial auto insurance policy. Illinois Vehicle serves a wide range of businesses and professions in the state, which includes: 

• Construction companies 
• Contractors 
• HVAC technicians 
• Landscapers 
• Delivery services 
• Food trucks and catering businesses 

We can help cover various vehicle types, such as vans, pickups, box trucks, and specialized equipment vehicles. If your business relies on vehicles, we can help you find the right coverage for you. 

How much does commercial auto insurance cost in Illinois? 

The cost of commercial auto insurance may vary based on a combination of factors. Some of these factors may include: 

• Location: Operating in a densely populated area like Chicago may mean higher premiums due to increased risk of accidents. 
• Vehicle type: Larger or specialized vehicles may cost more to insure. 
• Usage: If you travel long distances for your operations, you may receive higher premiums. 
• Driving records: Maintaining a clean driving record can help keep your insurance rates low. 
• Coverage options: Adding extra coverage like roadside assistance or higher coverage limits may increase your insurance costs.  

Why choose Illinois Vehicle for your business vehicles? 

Illinois Vehicle stands out as a leading insurance agency because we can help you find commercial auto insurance that fits your needs and budget. With us, we can offer: 

• Extensive coverage options: We work with carriers that can help you tailor your policy to your business’s requirements.  
• Competitive rates: We can help you find affordable insurance options from our providers without sacrificing coverage.  
• Dedicated customer support: Our knowledgeable team is here to assist you with your insurance questions in both English and Spanish.  
• Flexible payment plans: We work with providers that can offer different payment options and accept various forms of identification like foreign driver’s licenses.  

Locations we serve 

Illinois Vehicle proudly serves small businesses throughout Illinois, with several conveniently located stores in Chicago and surrounding areas. We have 43 locations within the Chicagoland area, including Joliet, Aurora, Elgin, and Waukegan. You can visit any of our locations to speak with a representative and explore what vehicle insurance options your business may need. 

How to get started 

If you’re looking for a commercial auto insurance quote, you can start by: 

• Contacting an agent: Speak with one of our experienced agents to find out what options are available for your business by calling 1-630-581-4805. 
• Getting a quote online: You can use our website to input your information and compare rates virtually.  
• Visiting a store: Stop by one of our locations throughout the Chicagoland area to talk through your insurance needs in person.  

At Illinois Vehicle, we know that small businesses are an important part of our state, which is why we’re here to assist you with the commercial auto insurance process. If you’re running a business in Illinois that uses vehicles for your operations, we can help you find the coverage that aligns with your budget and industry. 

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.