Auto Insurance Coverages Illinois

When it comes to car insurance, understanding what options are available to you may feel daunting and overwhelming. Whether you're a new driver, a small business owner, or someone without a U.S. driver’s license, Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle) can help you find auto insurance coverage in Illinois that aligns with your needs.

Here, we’ll explore the different types of auto insurance options that may be useful for you and how our agents can assist you through your insurance process.

Types of Illinois auto insurance coverage, explained

Whether you're driving your own car, your family’s car, or a company vehicle, Illinois Vehicle works with 20+ trusted carriers that can offer car insurance coverages that may match your needs. So, what are the coverages for auto insurance in Illinois that may be available to you? Here’s a quick breakdown of some standard coverage options:

Minimum state liability

Most states require you to have liability insurance on your auto insurance policy to legally drive. It can help cover damage to someone’s vehicle or injuries you cause to someone else after an accident. A knowledgeable agent can explain to you what Illinois’s mandated liability limits are, as well as help answer questions you have about staying compliant with state law.

Commercial auto insurance

If you’re a small business owner using vehicles for work, like making deliveries or driving between job sites, commercial auto insurance may be crucial to have. Depending on your policy, commercial auto insurance may be able to cover a variety of damages to your vehicle or a third party that could occur while driving for business purposes. Adding certain coverages to your policy, like personal injury protection or medical payments coverage, may also help pay for injuries that you or your passengers incur from an accident.

SR-22 insurance

If you’ve had a serious driving violation, you may be required to get SR-22 insurance. Though sometimes referred to as insurance, an SR-22 isn’t a type of coverage. An SR-22 actually refers to a certificate of financial responsibility that can prove you’ve purchased the state’s minimum required coverage. Illinois Vehicle can help you file an SR-22 if you need assistance with the process.

Non-owner SR-22 insurance

Need to meet SR-22 requirements but don’t own a vehicle? A non-owner SR-22 is similar to a regular SR-22, but for drivers who may be borrowing a friend or family’s vehicle. If you’ve been required to get this certificate of financial responsibility, an Illinois Vehicle agent can help you file for a non-owner SR-22.

Uninsured motorist coverage

Unfortunately, not all drivers in the United States may have an auto insurance policy. If you're in an accident with an at-fault driver who doesn’t have insurance, uninsured motorist coverage can help pay for your injuries or car damage. In Illinois, you’re required to have uninsured motorist property damage coverage (UMPD) on your policy alongside liability insurance, which can help specifically pay for damages your vehicle incurs from an accident with an at-fault uninsured driver.

Collision and comprehensive coverage

Collision and comprehensive coverage are two separate types of coverage that can help pay for specific damage that may occur to your vehicle. Here are some brief definitions that explain the difference:

Collision coverage: This insurance can help pay for repairs to your vehicle if it’s damaged in an accident.
Comprehensive coverage: This can help cover damages from non-collision incidents like theft, vandalism, or natural disasters.

How to choose auto insurance coverage in Illinois

So, you may be wondering, what kind of auto insurance coverage do I need in Illinois? To start, all drivers need minimum liability coverage (25/50/20) to drive legally in the state. These limits are:

Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $20,000 per accident

In Illinois, you’re also required to have uninsured motorist coverage for bodily injury on your policy. This can help pay for injuries you and your passengers may incur after an accident with an at-fault uninsured driver.

Though these coverages are crucial to drive legally in the state, you may choose to opt for higher limits or additional coverage. If you want to find coverage that can help pay for certain damages to your vehicle, you may want a full coverage policy. Full coverage is typically a combination of liability, comprehensive, and collision coverage, which may help pay for damage to your car from an accident, theft, vandalism, or severe weather.

If you want to discuss the differences between minimum liability and full coverage policies, you can talk to an Illinois Vehicle agent. Our experienced team understands Illinois insurance laws and can help you tailor a policy that works for your situation.

Driving without insurance in Illinois

Driving without car insurance in Illinois may come with certain penalties. These may include:

Fines of $500 or more
Vehicle impoundment and associated fees
SR-22 filing requirements
License suspension and revocation

Receiving a penalty for driving without insurance may also result in higher auto insurance rates the next time you try to purchase a policy. Luckily, our agents at Illinois Vehicle can help those with complicated driving histories and SR-22 requirements. Call us today at 1-630-581-4805 to talk to our team about your insurance needs!

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Areas we serve

From the city to the suburbs, we’re proud to serve communities across Illinois! Illinois Vehicle has locations in:

Chicago
Cicero
Aurora
Joliet
Waukegan
Elgin
Rockford

Whether you call us on the phone or head to one of our convenient Illinois Locations, our agents are here to help guide you through your insurance journey.

Why choose Illinois Vehicle?

At Illinois Vehicle, we specialize in helping drivers with unique driving needs. Whether you are a first-time driver, don’t have a U.S. driver’s license, or have little or no credit, our agents may be able to help you find coverage that fits your needs. Our team is experienced, friendly, and bilingual (English and Spanish), ready to assist those looking for auto insurance without a pesky language barrier.

Here are some other ways that set us apart:

Flexible payment options: We work with insurance providers who can accept both cash and credit payments.
Same-day proof of insurance: Once payment is issued, you can receive insurance ID cards the same day you purchase a policy.
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.
Helpful agents with local knowledge: Our agents are highly knowledgeable about the ins and outs of Illinois car insurance laws and regulations.

At Illinois Vehicle, we understand that everyone’s needs may be different. That’s why our agents take the time to listen while helping guide you to a policy that makes sense for you.

Have coverage questions?

If you’re still unsure about what coverage to purchase, our agents can help you understand your policy needs. Whether you're just exploring your options or need coverage today, our team can assist you with your insurance questions.

Visit our Illinois Vehicle website, give us a call at 1-630-581-4805, or stop by one of our many Chicagoland offices for a free personalized quote today!