Illinois Car Insurance
From the rich cultural scene of the Windy City, to the historic sites you can visit in the Land of Lincoln, Illinois has something for everyone. Whether you're traveling along the nostalgic Route 66 or headed down the scenic Great River Road, you’ll want the right
car insurance.
The AARP® Auto Insurance Program from The Hartford1 has been providing auto insurance to AARP members and their families since 1984. With a reputation for integrity and a high customer satisfaction rating, you can count on us for the Illinois auto insurance coverage you need.
Benefits of Some of the Best Car Insurance in Illinois
The AARP Auto Insurance Program from The Hartford offers many valuable benefits to Illinois drivers, including:
- New Car Replacement:§§ If you total your new car, we’ll pay to replace it with a new one of the same make, model and equipment, with no deduction for depreciation.
- Accident Forgiveness:‡ We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
- Disappearing Deductible:† With this optional benefit, your collision deductible on your car insurance policy will go down over time as long as you keep a clean driving record.
- 24/7 Claim Service: Our specialists can help walk you through the claim process at any time of the day. You can reach them at 800-243-5860.
Required Illinois Vehicle Insurance Coverage
The state minimum for liability limits for car insurance in Illinois are:2
How Much Is Car Insurance in Illinois?
In Illinois, The Hartford's customers pay an average of $1,144 a year, or about $95 a month, for auto insurance.
‡‡‡ Some factors that go into calculating your
auto insurance premium are your:
- Driving records and history
- Credit scores
- Vehicle type
- Average miles driven in a year
- Deductible amounts
Car Insurance Discounts for Illinois Drivers
Many car insurance companies have discounts and benefits for drivers in Illinois. The Hartford offers up to 10% savings just for being an AARP member. Other car insurance discounts for Illinois drivers include completing a defensive driving course or paying your premium in full. You can also save up to 12% on auto insurance and up to 20% on home insurance in Illinois by bundling your policies.** Our customers save an average of $813 after bundling their auto and home policies.**
Proof of Car Insurance in Illinois
Illinois state law requires you to keep a copy of your car insurance ID in your car. This requirement will allow you to provide it to a requesting police officer if needed.
However, in Illinois, you can also show your proof of car insurance electronically. And with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Illinois Uninsured Driver Facts
Illinois state law requires drivers to carry uninsured/underinsured motorist car insurance coverage. This helps pay medical bills after an accident caused by an uninsured driver or one that doesn’t have enough insurance.
This coverage must also have the minimum coverage amounts of:3
- $25,000 per person
- $50,000 per accident
Additional Illinois Auto Insurance Coverages
For added protection, Illinois drivers may also be eligible for the following
car insurance coverages from the AARP Auto Insurance Program from The Hartford:
Staying Safe on Illinois Roads
As you travel through Illinois, there are a number of safe driving laws meant to protect you on the road, including:4
Illinois Seat Belt Laws:
Illinois is one of 34 states that have a primary seat belt law. This means that police can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
Illinois Distracted Driving Laws:
Illinois has discouraged distracted driving with laws that:
- Ban hand-held cell phones for all drivers.
- Forbid new drivers from using hand-held or hands-free cell phones while driving.
- Ban texting while driving.
Illinois Teen Driver Laws:
Getting a driver's license is a rite of passage for teenagers. To keep these young drivers safe while they learn, Illinois has graduated licensing laws that ensure teenagers gain the experience and maturity that's required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Frequently Asked Questions About Illinois Auto Insurance
Does Illinois require auto insurance?
Yes, the state of Illinois requires all vehicle owners to have certain amounts of auto liability insurance.
Is It Illegal to Not Have Car Insurance in Illinois?
Yes, it’s illegal to drive without insurance in Illinois.
Does Insurance Follow the Car or the Driver in Illinois?
In Illinois, auto insurance usually follows the car. This includes coverages like your:
- Bodily injury liability
- Personal injury liability
- Uninsured motorist protection
- Collision coverage
- Comprehensive coverage
Do I Have to List All Drivers on My Insurance?
Yes, in most cases you do need to list all drivers on your policy. However, you can always call your insurance company to find out exactly who you need to include.
Get a Car Insurance Quote in Illinois
Other Illinois Coverage Links
Last Updated: March 14, 2025
2,3 Illinois Department of Insurance, “Consumer Auto Insurance.”
4 Governors highway Safety Association (GHSA), “State Laws & Issues.”
