Affordable Illinois car insurance
Get a quote!Affordable Illinois car insurance
Illinois drivers can look to Elephant for affordable and reliable car insurance options. Read more about car insurance requirements for Illinois, as well as ways you may be able to save.
Get an Illinois car insurance quote
Illinois drivers save up to 12% when you quote online!
If you’re researching car insurance in Illinois, you’ve come to the right place. Starting your Elephant Insurance quote online could earn you a healthy discount right away. We know choosing coverage can be tricky, but it doesn’t have to be. The Elephant Quote Wizard makes finding the protection you need easy, but a licensed agent is available should you want to talk through your policy. Learn more about Illinois car insurance options while saving money on your car insurance policy.
Car insurance coverage requirements in Illinois
Illinois drivers are required to have at a minimum 25/50/20 liability limits on their car insurance coverage. Liability coverage is a third-party coverage, meaning that the payout is for the other party involved in the accident, not the insured. The minimum limits required in Illinois are:
- $25,000 limit for bodily injury liability coverage per person
- $50,000 limit for bodily injury liability coverage per accident
- $20,000 limit for property damage liability coverage per accident
Illinois law also requires uninsured and underinsured motorist coverage. Uninsured motorist (UM) and underinsured motorist (UIM) are first-party coverages, meaning that the payout is for the insured drivers on the policy, not a third party. This additional insurance helps protect you against uninsured drivers and those who have insurance but not enough to cover your damages resulting from the accident. The minimum limits required in Illinois are:
- $25,000 limit for bodily injury liability coverage per person
- $50,000 limit for bodily injury liability coverage per accident
Additional auto insurance coverages available in Illinois
You can take advantage of the car insurance coverage options available from Elephant Insurance, including:
Comprehensive and collision insurance protects your car
Comprehensive and collision insurance helps pay to repair or replace your car if it’s damaged, regardless of who is at fault. You select a deductible that you pay out of pocket and your insurance company pays for the remaining damage up to the limits you select. Comprehensive coverage can help cover the value of your vehicle if it’s stolen as well as cover expenses resulting from damage from a weather event such as hail. Collision insurance coverage helps pay to repair or replace your car if it’s damaged by colliding with another vehicle or object, such as a sign or fence.
Uninsured/underinsured motorist
When another person is at fault for an accident and does not have car insurance, uninsured motorist coverage can help cover your damages, medical treatment, and lost wages. If your injury expenses exceed the at-fault party’s liability limits, you may be able to use underinsured motorist bodily injury coverage to help pay towards the amount not covered by the at-fault person’s insurance.
Rental reimbursement
Rental reimbursement helps pay for your rental car if your car isn’t drivable for 24 hours or more because of a loss covered by your comprehensive or collision coverage.
Roadside assistance
Roadside assistance coverage saves you from being stranded on the side of the road when something goes wrong with your car. If purchased, roadside assistance is available for use when your car is disabled due to a covered emergency, such as:
- a mechanical or electrical breakdown
- battery failure
- insufficient supply of fuel, oil, water, etc.
- flat tire
- lock-out
- entrapment in snow, mud, water, or sand
Personalize your policy to expand your protection
In addition to the coverages offered above, Elephant offers additional options to personalize your Illinois auto insurance. A few of these include the following:
Upgraded accident forgiveness
Accident forgiveness is a policy feature that’s automatically earned after a customer goes 3 consecutive years without having an accident on their policy. Instead of waiting more than 3 years for an accident waiver, customers may be eligible to purchase upgraded accident forgiveness that’ll start immediately once your policy starts.
Diminishing deductible
Diminishing deductible, sometimes called a “disappearing” or a “vanishing” deductible, can be added onto a vehicle’s collision deductible to help lower the out-of-pocket costs in the event of an accident.
Factors that impact your auto insurance premiums in Illinois
Your Illinois car insurance rates are determined by looking at many variables. Here are a few factors that are used to determine your insurance rate:
The type of car you drive
The type of vehicle you drive can impact your insurance rate. Cars that are older, smaller, have a lower safety rating, are more expensive to repair or replace, or are considered luxury vehicles often require higher premiums. Learn more about how your vehicle impacts your rates.
Your driving record
Frequent accidents, tickets, and insurance claims alert the insurance company that you may be a high-risk driver, and your rate may be higher than a driver with a clean record.
Vehicle usage
How you use your car can impact your rate. For example, if you have a long commute or use your vehicle for business, you may pay higher rates than if you don’t drive very often.
General rate trends
Illinois auto insurance rates may trend up or down. The premium you pay will depend on these overall rate trends.
Illinois car insurance discounts
Elephant offers a number of car insurance discounts to help you save money on your Illinois car insurance. Whether you are working from home, you have a good student on your car insurance policy, or you have multiple cars to insure, we have a discount for you. Get an Illinois car insurance quote online to see if you qualify for any discounts.
State discounts
We have many car insurance discounts Illinois drivers can discover including:
- Early bird discount
- Multi-car discount
- Student discounts
- Work From Home Discount™
You can also save up to 12% just by starting your Illinois auto insurance quote online!
Save on Illinois car insurance when you bundle
Combine select coverages like homeowners or renters insurance with your auto policy to keep money in your pocket with our multi-policy discount.
Illinois car insurance and driving laws
Insurance companies in Illinois are required by law to provide fair, reasonable rates to all eligible drivers. There are some laws that impact qualifying for insurance and your rates.
SR-22
An SR-22 may be required in some states when a driver has been convicted of a driving-related charge. Illinois is a SR-22 Insurance state. The Illinois Drivers Services has more information available.
Distracted driving laws in Illinois
Distracted driving is involved in many traffic accidents according to the National Highway Traffic Safety Administration. In Illinois, the law prohibits all motorists from using hand-held cellphones while operating a motor vehicle. Visit Illinois’s government page for more information and read more about cell phones and safe driving.
Illinois teen driving laws
Learning to drive comes with a lot of responsibility, and there are restrictions in place for drivers under the age of 18. Check with your insurance company before your teen obtains a permit to learn more about adding them to your policy and check your state’s government pages for more information on teen driving laws.
Out-of-state violations
Most states share out-of-state violations with the driver’s home state. Once your insurance company is notified, they will determine whether the violation will impact your premium.
Contact us today for Illinois auto insurance
If you have more questions about car insurance in Illinois, please visit our Coverage Wizard to explore the coverages you need, complete an online quote, or reach out to an Elephant licensed agent at 1-855-ELEPHANT.
Illinois car insurance FAQs
Here are a few commonly asked questions about car insurance in Illinois:
What car insurance coverage is right for me?
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Like most things, car insurance coverage in Illinois is best determined by the individual, but when you have the right tools, you can feel confident in the policies you’ve selected. For more guidance, look at our Coverage Wizard or read more in-depth about the car insurance coverages Elephant offers. You’ll be on your way to finding the coverage that works best for you.
When and how can I change my Illinois car insurance policy?
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You can make changes to your Illinois car insurance at any time during the life of the policy. Making changes to your policy should be easy and can be done by calling your insurance carrier or by logging into your account if you have online access.
What if I need to get my car repaired after an accident in Illinois?
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If you need to get your car repaired after an accident in Illinois, you have a few options:
- File a claim with your insurance company: If the damaged vehicle is covered by your comprehensive and collision coverage, or if your underinsured/uninsured motorist coverage applies, your insurance company can help pay for the repairs to your car.
- File a claim with the other driver’s insurance company: If the other driver was at fault for the accident, you can file a claim with their insurance company. You will need to provide them with proof of the accident, such as a police report and an estimate from a body shop. If the other driver’s insurance company agrees that they are at fault, they may pay for the repairs to your car.
- Pay for the repairs yourself: If you do not have comprehensive and collision, or if the other driver’s insurance company does not agree to pay for the repairs, you may need to pay for the repairs yourself. You can take your car to any body shop you choose, but you may want to get estimates from several shops before you decide.
What are the things that affect car insurance rates in Illinois?
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Car insurance rates in Illinois can be affected by a number of factors, including:
- Age: Younger drivers are generally considered to be riskier than older drivers, so they may pay higher rates.
- Driving history: A clean driving record is one of the best ways to get lower car insurance rates. However, even a single at-fault accident can cause your rates to increase.
- Vehicle type: The make and model of your car can also affect your rates. Cars that are more expensive to repair or replace typically have higher rates.
- Annual mileage: Drivers who drive more miles per year may be more likely to get into an accident, so they typically pay higher rates.
- Location: The city or town where you live can also affect your rates. Cities with higher rates of accidents or theft may have higher rates.
To find out what coverage you need, check out our Coverage Wizard
What are Illinois’s minimum auto insurance requirements?
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Illinois car insurance laws require drivers to have a minimum 25/50/20 liability limits on their car insurance coverage. Liability auto insurance is a type of car insurance that helps protect you financially if you are found at fault in an accident. It can help cover the cost of injuries to the other driver and their passengers as well as damage to their property. Liability coverage is a third-party coverage, meaning that the payout is for the other party involved in the accident, not the insured. Illinois minimum car insurance liability limits required are:
- $25,000 limit for bodily injury liability coverage per person
- $50,000 limit for bodily injury liability coverage per accident
- $20,000 limit for property damage liability coverage per accident
In addition, Illinois law requires the following minimum amount of uninsured motorist coverage:
- $25,000 limit for bodily injury liability coverage per person
- $50,000 limit for bodily injury liability coverage per accident
Illinois law requires insurers to offer policyholders additional medical payments (Med Pay) coverage. Med Pay coverage is optional in the state of Illinois.
What liability insurance is required in Illinois?
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Liability insurance helps protect you financially if you are found at fault in an accident. Liability coverage helps pay to repair the other driver’s car if you caused an accident. It can also help pay the other driver’s and their passenger’s medical bills and some other covered expenses. Illinois law requires you to have at least $25,000 of coverage for injuries per person, $50,000 coverage for injuries per accident, and $20,000 of coverage for property damage per accident. This is called 25/50/20 coverage.
What is a “25/50/20” minimum auto policy?
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A 25/50/20 minimum auto insurance policy describes minimum liability limits Illinois requires drivers to carry. Liability insurance helps protect you financially if you are found at fault in an accident. It can help cover the cost of injuries to the other driver and their passengers as well as damage to their property. Policy limits are the maximum amounts that an insurance company can pay out under each type of coverage. Illinois law requires you to have a minimum of $25,000 of liability coverage for bodily injuries per person, $50,000 of liability coverage for injuries per accident, and $20,000 of liability coverage for property damage per accident. Illinois also requires uninsured and underinsured motorist coverage minimums of $25,000 for injuries per person and $50,000 for injuries per accident.
What is considered “full coverage” car insurance in Illinois?
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When people talk about full coverage auto insurance, they’re usually referring to a car insurance policy that is a collection of coverages to protect the policyholder in various situations. It’s not a specific type of insurance and the term can vary in meaning. Typically, full coverage is liability (usually includes bodily injury and property damage) plus comprehensive and collision coverage. When you finance or lease your vehicle, your lender or leasing company may require you to carry comprehensive and collision coverage. To find out what coverage you need, and to personalize your coverages with additional protection such as rental reimbursement and roadside assistance, check out our Coverage Wizard.
Do you need car insurance to register a car in Illinois?
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Yes, you need proof of insurance when you register a car in Illinois. In Illinois, you are required to carry a minimum of $25,000 of liability coverage for injuries per person, $50,000 of liability coverage per accident, and $20,000 of liability coverage for property damage. You are also required to carry uninsured motorist (UM) and underinsured motorist (UIM) at a minimum of $25,000 of liability coverage for injuries per person and $50,000 for injuries per accident. You may be able to register a car without insurance, but you will only be able to get a “title only” registration. This means that you will not be able to drive the car on public roads. You can find more information about registering a car in Illinois at the Illinois Department of Vehicles.
Do I need uninsured motorist coverage in Illinois?
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Being involved in a car accident is bad enough, but it can be much worse if the driver who caused the accident doesn’t have insurance or doesn’t have enough insurance to pay for vehicle repairs or injury treatment. Uninsured motorist coverage can help in this situation. Illinois drivers must have a minimum of $25,000 in Illinois uninsured motorist bodily injury coverage per person and $50,000 per accident.
Why choose Elephant for your car insurance in Illinois?
Elephant offers straightforward auto insurance solutions that save your hard-earned money and make it easy to connect with us. We provide tools and services for Illinois drivers to make it easy to find and use the best auto insurance protection around.
Auto insurance at a fair price
Find the car insurance coverage you need to protect yourself and your car, discounts to save money, and add-on services like real-time roadside assistance to make life easier.
Tools to make car insurance simple
Manage your policy and file claims quickly and easily with our mobile app, claims photo app, online account access, and agent chat. Learn more about Elephant policy perks.
Flexible car insurance options
With flexible payment plans, multiple purchase options, convenient insurance claims filing, and our highly reviewed mobile app, Elephant delivers protection with convenience.
Superior claims experience
As of 2024, Elephant has earned a Net Promoter Score, which is a customer confidence score that is 35% higher than the industry average. Our claims team and repair network are there when you need them.
Start a claim
Login to track a claim
Claims FAQs
Bundle insurance for more savings
For your convenience and extra savings, we partner with multiple providers to offer home, renters, condo, motorcycle, off-road vehicle, and umbrella insurance. Bundling offers Illinois drivers another way to save. Learn more about bundling your policies.
Our customers give us high marks and we hope you will too.
We are proud that 9 out of 10 customers renew with us each term* and that our average our Trustpilot score is the excellent range. And we’re very proud to have been named a Forbes America’s Best Insurance Company 2023. Forbes partnered with Statista to survey over 15,000 U.S. customers of more than 3,300 U.S. insurance companies to create the rankings. Participants rated their insurance providers in terms of their overall satisfaction and whether they would recommend them to family and friends. *89% of customers stayed with Elephant at renewal in 2022.
Get the coverage you need with a car insurance quote from Elephant
Try our Coverage Wizard an online tool to make sure you have the right coverage for your Illinois car insurance or alternatively go straight to our car insurance online quote.
Retrieve your Illinois car insurance quote
If you have visited Elephant’s website earlier and started or completed a car insurance quote for a policy in Illinois, you can easily pick up where you left off by retrieving your quote now.