Comprehensive and Collision Coverage in Illinois

Collision and comprehensive are two types of car insurance coverage that can help offset the costs of repair or replacement of your vehicle after a covered loss. In simpler terms, this means that if your car insurance policy covers an event affecting your car, you’ll pay less to fix it. 

Some of these losses may include: 

• Traffic accidents, regardless of who is the driver at fault 
• Vehicle theft or vandalism 
• Extreme weather damage 

Continue below to learn more about: 

• Collision coverage 
• Comprehensive coverage 
• Deductibles 
• How to find low-cost car insurance in Illinois 

If you’re looking for affordable car insurance, Illinois Vehicle can help. We’ve helped thousands of drivers find simple and customizable auto insurance solutions. 

To compare multiple quotes at once, call Illinois Vehicle at 630-581-4805, visit one of our Chicagoland car insurance agencies, or get a free car insurance quote online today. 

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Collision coverage 

Collision insurance in Illinois, like in other states, helps pay for repairs or replacement of your vehicle if it’s involved in a covered accident. It works whether you hit another vehicle or someone else’s property, or another driver is at fault. 

Examples of when collision coverage may apply include: 

• Another driver swerves suddenly into your lane, hitting the side of your vehicle. They leave the scene or are uninsured. 
• You fail to brake properly, accidentally hitting the vehicle in front of you and damaging your own car. 
• You accidentally back into a fence, scratching your vehicle. 

Collision coverage has a deductible. 

What’s a deductible in car insurance? 

A deductible is the amount you pay before your policy starts to cover the rest of the costs. Typically, drivers choose their deductible when they set up their policy. 

Deductible example: 

Let’s say your collision coverage deductible is $500. After a covered accident, the estimated cost of your vehicle repairs is $3000. This means that you’d pay the $500 deductible out of pocket and your insurance policy pays the remaining $2500. 

Comprehensive coverage 

As in most states, comprehensive insurance in Illinois helps pay for repairs or replacement of your vehicle after non-collision events. Examples of events that are typically covered by comprehensive coverage are:  

• Theft 
• Vandalism  
• Extreme weather events such as hailstorms, floods, fires, etc. 
• Damage done to your car by animals 
• Falling objects, such as tree branches or hail  

Comprehensive coverage also has a deductible (see the definition above). Drivers choose it based on their financial preferences and needs. 

Events not covered by collision or comprehensive coverage include regular wear and tear, tire replacement, custom upgrades, or replacement of personal belongings, such as a laptop. 

Are collision or comprehensive required in Illinois? 

In Illinois, drivers are required to have: 

• Liability coverage 
• Uninsured/underinsured motorist bodily injury coverage (UM/UIM) 

The state of Illinois doesn’t require collision and comprehensive coverage. However, if you’re leasing or financing a car, the lender or financial institution may require you to get these types of coverage, according to the Illinois Department of Insurance. 

Other reasons why drivers may opt for comprehensive and collision coverage include: 

• They have a high-end or luxury vehicle: Since the mandatory liability insurance doesn’t cover damages to their own vehicle, some drivers want to protect their investment by getting added coverage. 
• They live in a high-traffic area: Collision coverage may help in the event of a crash with an unidentified or uninsured driver. 
• Their vehicle is exposed to severe weather: Drivers who live in areas with more extreme temperatures may opt for comprehensive coverage to offset the costs of repairs after weather damage. 
• They live in an area with higher crime rates: Drivers who can’t afford to replace their vehicle in the case of theft may opt for comprehensive coverage. 
• They want added peace of mind: Some drivers choose more coverage to help pay for the high cost of unexpected, covered events. 

Speak with an experienced agent about the benefits of obtaining comprehensive or collision coverage with your personal car insurance policy. Call Illinois Vehicle at 630-581-4805. 

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Collision vs. comprehensive in Illinois (Quick comparison guide) 

Here is a quick rundown of how these two types of coverage work: 

• Collision coverage: Helps pay for damages caused by a covered accident with another car or object, regardless of fault. 
• Comprehensive coverage: Helps pay for car damage caused by an event such as theft, vandalism, or extreme weather. 
• Deductible: Both coverages typically have a separate deductible. 
• State requirement: Neither is mandated by the state of Illinois, though they may be required when you lease or finance your car. 

To get a quote with affordable collision and comprehensive coverage options, call Illinois Vehicle at 630-581-4805 or get a free car insurance quote online. 

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What do they cost in Illinois? 

Several factors affect how much you may pay for collision or comprehensive coverage. These include: 

The deductible you choose. Choosing a higher deductible may lead to a lower premium. Remember to factor the deductible into your budget, since you’ll have to pay it out of pocket after a covered loss before your insurance policy kicks in. 

1. The type of vehicle and its value 
2. Your age and driving history 
3. Your zip code 
4. Any lender or bank requirements 
5. Your average mileage 

To learn how much you may pay, get in touch with an Illinois Vehicle Spanish-bilingual agent at 630-581-4805. 

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How to find affordable car insurance with Illinois Vehicle 

Drivers across Illinois choose Illinois Vehicle for the following perks: 

• Assistance from experienced, Spanish-bilingual agents 
• Non-standard insurance options, including SR-22 insurance 
• Simple car insurance solutions that take your needs into consideration 
• Flexible payment options 
• We accept various types of licenses, including foreign licenses and matricula consular 
• We work with 20+ insurance companies to help you find a rate that works for you 

To get started with collision and comprehensive coverage in Illinois, call us at 630-581-4805, visit one of our car insurance agencies in Chicagoland, or get a free car insurance quote online. 

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Disclaimer: ​ 
This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.