Get Car Insurance in Waukegan, IL

If you’re a Waukegan driver, you may be familiar with long commutes to Chicago or taking scenic drives through the bustling downtown attractions. Whether you’re taking extensive rides or just driving locally, having an auto insurance policy may be crucial for you.   

With Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle), we can help you get auto insurance in Waukegan that works for your situation. Our team can help you compare auto insurance quotes so that you can find the best rate for your budget! 

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Requirements for car Insurance in Waukegan, IL  

In Waukegan, like the rest of Illinois, you’re required by law to carry the minimum liability coverage. Liability insurance can help pay for damages you cause to someone else’s vehicle or injuries to a third party from an accident. As of January 2026, here’s what the Illinois liability limits are:  

• $25,000 for injury of one person  
• $50,000 for injury of more than one person  
• $20,000 for damage to a third party’s property  

Drivers in Illinois are also required to purchase the state minimum for uninsured motorist coverage. Though this coverage could mean both uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD), the state only mandates that drivers purchase the former. UMBI can help pay for injuries you receive from an accident involving an at-fault uninsured driver, while UMPD may cover damages to your vehicle from an at-fault uninsured driver. In Illinois, your required UMBI limits are:  

• $25,000 for bodily injury per person  
• $50,000 for bodily injury per accident  

Though these limits are Illinois requirements, the mandated minimum coverage may still leave you uncovered in certain accidents. Here are some additional auto insurance coverages you may want to be familiar with before purchasing a policy:  

• Collision coverage: This insurance can help pay for repairs to your vehicle if you're involved in an accident, regardless of who’s at fault.  
• Comprehensive coverage: This may cover non-collision damage to your car, like vandalism, theft, or weather-related incidents.  
• Medical payments coverage: This insurance can help pay for medical expenses for you or your passengers after an accident.  

SR-22 insurance in Waukegan 

If you’re ordered by a court to get SR-22 insurance in Waukegan, you may need assistance filing. Though commonly referred to as insurance, SR-22 is actually a certificate of financial responsibility that proves you have the state’s minimum mandated coverage.  

Our agents can help you with filing your SR-22 the same day you choose a policy, once payment is issued. Visit one of our locations in or around Waukegan to talk to an agent in person about how we can help you navigate the SR-22 process.   

Non-owner car insurance  

If you don’t own a vehicle but need car insurance, you may be able to purchase non-owner car insurance in Waukegan. This type of policy is typically liability-only, which means it may pay for damages to third-party property or injuries to someone else you cause after an accident.  

You may need a non-owner policy if you are required to file for an SR-22 but don’t own a vehicle. Illinois Vehicle can help you find non-owner car insurance that works for your situation.  

Cost of car insurance in Waukegan  

In Waukegan, insurance rates can vary widely. This is because insurers may use a combination of factors to determine your premium. Some factors that may be considered are:  

• Driving history  
• Location  
• Your vehicle make, model, and year  
• The amount of coverage you purchase  

Understanding what may increase or decrease your premium may help you find cheap car insurance in Waukegan, IL, that works for your budget.  

Save on auto insurance in Waukegan with discounts  

Though you may be worried about how expensive your car insurance in Waukegan could be, you’re not entirely out of luck. At Illinois Vehicle, we work with carriers that can offer several ways to save on your policy. Here are some discounts for car insurance in Waukegan that you may be eligible for:  

• Paid-in-full discount: Paying your policy in full rather than monthly may save you money on your premium.  
• Multi-vehicle discount: If you’re bundling more than one car on an auto insurance policy, you may be able to receive a discount.  
• Good student discount: If you keep up your grades in school, you might qualify for a discount.  
• Proof of prior coverage discount: If you have a history of maintaining your auto insurance prior to working with us, you may be able to save on your new coverage.  

Why choose Illinois Vehicle in Waukegan?  

Illinois Vehicle is a trusted local agency that can help Waukegan residents find flexible auto insurance solutions. If you’re on the hunt for car insurance, here are a few reasons why choosing us may be useful for you:  

• Flexible payment options: We work with insurance providers who can accept both cash and credit payments.  
• Accepts multiple types of licenses: Our carriers can assist drivers with a variety of driving histories and licenses, including Matricula Consular, temporary licenses, and foreign driver’s licenses.  
• SR-22 insurance: If you're required by a court to get an SR-22, our agents can help you navigate the filing process.  
• Spanish-bilingual support: Illinois Vehicle agents can offer Spanish-bilingual customer support for those who’d prefer to communicate in Spanish.  
• Expert agents with local knowledge: Our agents are highly knowledgeable about the ins and outs of Waukegan’s car insurance laws and regulations.  

How it works 

Looking to start your coverage with Illinois Vehicle? Following these three steps may help you:  

• Give details: You may need to start by providing details like your location and driving history.  
• Pick coverage: Our agents can help you select coverage that fits your needs and budget. 
• Purchase a policy: Once payment is issued, you may be able to get same-day proof of insurance.  

Get a quote today  

At Illinois Vehicle, we can help you compare car insurance quotes in Waukegan so that you can locate coverage that aligns with your budget. Our experienced, Spanish-bilingual car insurance agents in Waukegan are knowledgeable about Illinois driving laws and can assist you with filing an SR-22 with the Illinois Secretary of State. Call us at 1- 630-581-4805, stop by our Waukegan store, or visit our website for a free personalized quote today!  

FAQs 

How fast can you file an SR-22 in Waukegan? 

Our agents may help you file your SR-22 the very same day you select a policy, once payment is issued.  

Can I get non-owner coverage today? 

Yes, you can. Our team can help you compare non-owner car insurance rates so you can find the right policy for your needs.  

What documents do I need to purchase a policy? 

It depends. It’s typically necessary to provide proof of identity when you purchase a policy, like a U.S. driver’s license. Illinois Vehicle works with carriers that can also accept foreign IDs like Matricula Consular and international driver’s licenses. If you have questions about what documents you need, our agents can help you identify what identification may be necessary for you to provide.  
 

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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.