The Prairie State

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Illinois Auto Insurance Coverage

Home to the big cities like Chicago and smaller towns like Galena, Illinois has a little bit of everything. But, whether you're new to the area or have deep roots in the Prairie State, it's important to understand the auto insurance requirements in Illinois. 

Required Auto Insurance in Illinois

Illinois requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Illinois requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $20,000 per accident.
  • Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident. 

Illinois Teen Driving Laws

Illinois operates under a Graduated Driver's License (GDL) program, which includes three phases: Permit Phase, Initial Licensing Phase, and Full License Phase. 

  • Permit Phase: At 15 Illinois teens may apply for their permit. After obtaining their permit, teen drivers must pass a vision and written exam. An instructional permit allows teens to fulfill their 50-hour driving practice requirement.
  • Initial License Phase: From 16-17, teen drivers can apply for their initial license after holding an instruction permit for 9 months and completing a driver's education course. For the first 12 months of licensing, the number of passengers is limited to one person under 20. 
  • Full Driver's License: At 18, Illinois drivers may obtain their full license. 

Please be aware of additional driving restrictions for teen drivers in Illinois.

Illinois Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Illinois. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage Options in Illinois

No law in Illinois states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Illinois auto insurance quote online, or by calling (888) 772-4247.

Learn More About Illinois

A Welcome to Illinois road sign
About Illinois

Illinois was America's 21st state. Did you know that the city of Aurora is also known as the City of Lights because it was the first U.S. city to use electric street lighting throughout the city?