Illinois
Auto Insurance Coverages
With so many companies offering auto insurance in Illinois, how do you choose the car insurance that's right for you? Regardless of where you live in Illinois, Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products for Illinois drivers. As your auto insurance needs change, your local Allstate agent will take the time to help you make the right choices. If you have a teen driver, there are many other considerations your local Allstate agent can also help you with. Refer to the IL Graduated Driver Licensing chart below for more information.
For more information on this state, visit the Illinois State Information or Illinois State Catastrophe page.
Illinois Auto Insurance Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Illinois has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Illinois-required coverage levels and the most common car insurance coverages.
|
|
|
|
|
|
Coverage
|
State Requirements
|
Most Common
|
|
Bodily Injury Liability
|
20,000/40,000*
|
100,000/300,000
|
|
|
Property Damage Liability
|
15,000*
|
100,000
|
|
|
Uninsured Motorist Bodily Injury
|
20,000/40,000*
|
100,000/300,000
|
|
|
Medical Payments
|
Not required*
|
5,000
|
|
|
Collision
|
Not required*
|
500 deductible
|
|
|
Comprehensive
|
Not required*
|
250 deductible
|
|
Illinois Graduated Driver Licensing
Licensing (GDL) laws with them. Illinois has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.
|
|
|
|
|
|
Insurance Institute for Highway Safety Rating
|
Good
|
|
Minimum Entry Age
(Optimal: 16)
|
15
|
|
|
Extended Learner Period
(Optimal: at least 6 months)
|
Has the provision
but it is not optimal
|
|
|
Parent Certification
(Optimal: 30 hours minimal)
|
Has optimal provision
|
|
|
Night Restriction
(Optimal: 9 or 10 p.m.)
|
Has the provision
but it is not optimal
|
|
|
Passenger Restriction
(Optimal: only 1 non-family member)
|
Has optimal provision
|
|
|
Minimum Exit Age
(Optimal: 18)
|
17
|
|
For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Indiana, Iowa, Kentucky, Wisconsin, Minnesota, Missouri, Ohio
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Illinois. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.