Get a quote for Liability Insurance in Chicago

If you drive in Chicago, there are legally required liability auto insurance minimums you must carry. These minimums, known as 25/50/20, are required by the state of Illinois, along with uninsured motorist coverage. Looking for cheap liability insurance in Chicago? With Illinois Vehicle, you could obtain quality coverage with: 

• Same-day proof of insurance after your payment 
• A variety of carriers to choose from with discounts you may qualify for 
• Spanish-bilingual local service 

Choose Illinois Vehicle for your liability insurance in Chicago and join the thousands of satisfied families we’ve served.  

Drive legally with liability coverage 

Whether you’re driving in downtown Chicago enjoying the lit-up skyline, or cruising through the suburbs, as a driver in the state of Illinois, you are required to carry liability auto insurance.  

Liability insurance is made up of two parts: bodily injury coverage and property damage coverage. This means that the coverage can pay for injuries and property damage you cause to others in an accident. This coverage does not cover your car or personal injuries, although other coverages can.  

In Illinois, drivers are also required to carry uninsured motorist coverage. This type of coverage can help cover damage to your car if you are in an accident caused by a driver who does not have auto insurance.  

Compliance with Illinois insurance laws is verified through a program called Electronic Liability Insurance Verification. Non-compliance may result in the suspension of your vehicle registration and fees to reinstate it, so it is important to have the required insurance at all times. Even though you have legal car insurance requirements in Illinois, you can take control of your policy by customizing your coverage limits. Get a personalized Chicago auto insurance quote with Illinois Vehicle today.  

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Chicago’s minimum liability auto insurance requirements 

To get car insurance that complies with state law, it is important to understand the coverage limits you need. Chicago car insurance coverage minimums are 25/50/20. 

In Illinois, you are required to carry at least: 

• $25,000 per person 
  • Covers: If you cause an accident and someone is injured, this can help cover their medical bills or related expenses. This amount is the maximum payout limit for each person injured in an accident.  
• $50,000 per accident for bodily injuries 
  • Covers: If you cause an accident and multiple people are injured, this is the maximum amount that will be paid for all medical bills combined. Individual payouts cannot exceed the per-person limit.  
• $20,000 for property damage  
  • Covers: Damage you cause to someone else’s property. Beyond their car, this can include other property such as a fence, garage, or home.  

How much liability insurance do I need in Chicago? 

Liability coverage can be customized to fit your needs and budget. A good plan can stick to the state-minimum requirements of 25/50/20, which are the ones you need to comply with Illinois law. A “better” plan can increase the limits to, for example, 50/100/50. The “best” plan may provide higher limits, typically 100/300/50 or more.  

Liability coverage limits aren’t one-size-fits-all and depend on what you can afford and feel comfortable paying. Drivers with significant assets, those who commute heavily in the city, or teen drivers may need to consider higher limits to avoid costly medical bills, property damage, or even potential lawsuits following an accident. 

Choosing the right liability coverage limits means balancing minimum legal requirements with coverage that fits your budget. If you are unsure of which limits are right for you, speak with one of our reliable agents to get quick assistance and find options to fit your needs.  

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What affects liability auto insurance rates in Chicago 

The cost of liability car insurance in Chicago can vary widely. Your rate depends on a variety of local and personal factors, including but not limited to: 

• ZIP code (where you live in the city and factors like car accident or crime rates) 
• Driving record (your history as a driver) 
• Credit (your payment history, the amount of credit lines or debt you have, etc.) 
• Vehicle type (the make, model, mileage, and other details about your car) 

On average, auto insurance in Chicago tends to cost more than in the rest of Illinois due to various factors in the area. Don’t worry, at Illinois Vehicle, we can compare carriers and show you affordable options that may be the best fit for you. 

Who qualifies for liability  

Liability insurance, while required for Chicago drivers, is not for every situation. Here’s a brief breakdown of what liability is designed for, and when you might need different coverage: 

Liability is for: 

• Drivers on a budget needing the minimum insurance required legally 
• Drivers needing an SR-22 after certain driving violations, typically driving without insurance 
• Drivers who are not vehicle owners 

Liability is not for: 

• Paying for repairs to your own car after an accident where you were at fault 
• Paying for your personal injuries caused by an accident 

Liability coverage can help meet legal requirements and cover certain costs associated with an accident. If you want car insurance coverage beyond what is legally required, you may want to consider a “full coverage” policy.  

Save more with discounts 

A great way you can save on your insurance premium is by taking advantage of discounts you qualify for, if applicable. Here are some discounts to ask an Illinois Vehicle agent about that may apply to you: 

• Good driver: For maintaining a clean driving record 
• Higher deductible: For choosing to pay more out of pocket for a covered accident, meaning your premium is less 
• Multi-vehicle: For insuring more than one vehicle under the same policy 
• Good student: For students who meet certain academic requirements like good grades 
• Pay-in-full: For paying your entire premium upfront instead of through monthly payments 

Find out what discounts may apply to you by speaking to a trustworthy agent today at 630-581-4805.  

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Three easy steps 

Getting affordable coverage with Illinois Vehicle is simple, just follow these steps: 

1. Tell us about you (your vehicle, insurance needs, budget) 
2. Pick your limits (customize your policy with the coverage limits you choose) 
3. Get instant proof of insurance and SR-22 electronic filing (same-day service once your payment is finalized) 

Common questions answered (FAQ) 

Here are quick answers to frequent questions to help you get started with the auto insurance you need in Chicago: 

Does liability insurance include uninsured motorist coverage in Illinois?  

Yes. Illinois requires uninsured motorist bodily injury (UM BI) minimums in a standard liability policy. 

Can I carry only liability coverage if I have an SR-22?  

Yes. You only need to maintain the state-required minimum liability coverage to have an SR-22. We can file the SR-22 electronically for you if needed. 

How quickly will I get proof of insurance from Illinois Vehicle?  

We often issue same-day proof of auto insurance via email once your payment is finalized. 

Chicago locations & Spanish-bilingual support 

Visit a conveniently located Illinois Vehicle store in Chicago with Spanish-bilingual support available to get your liability auto insurance coverage. Start your liability quote online, talk to a Chicago agent by phone at 630-581-4805, or stop by a nearby store for in-person assistance. We make the process quick and simple: no long calls, you receive instant insurance ID cards after your payment, and we can file an SR-22 the same day once payment is completed. 

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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. ax