Cicero, Illinois Auto Insurance

Finding auto insurance in Cicero, IL 

Living in Cicero, IL offers a unique blend of suburban charm and proximity to the urban vibrancy of Chicago. Whether you are commuting to the city or just running errands around town, understanding your auto insurance options may be useful for you.  

Whether you are in or outside Chicago, having an auto insurance policy may help you navigate certain stressful driving situations. If you're looking for car insurance in Cicero, IL, here's how Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle) can help you find the coverage you need.  

Why choose Illinois Vehicle in Cicero? 

Illinois Vehicle is here to help Cicero residents find flexible auto insurance solutions. Here are a few reasons why Illinois locals choose us: 

• Flexible payment options: Many Cicero residents may rely on convenient payment methods, which is why 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 Cicero's car insurance laws and regulations. 
• Compare multiple quotes at once: You don’t have to go from provider to provider to find the best rate. We can help you compare rates from multiple carriers at once, so you can find the best price that fits your budget.  

Car insurance requirements in Cicero 

In Cicero you’re required by law to carry the Illinois 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 2025, here’s what’s required: 

• $25,000 for injury of one person in a crash  
• $50,000 for injury of more than one person in a crash  
• $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 Illinois’s auto insurance requirements may be more extensive than other states, the mandated minimum coverage may still leave you uncovered in certain accidents. Here are some additional 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.  

At Illinois Vehicle, we work with carriers that offer extra coverages so that you can tailor a policy that aligns with your needs.  

Cost of car insurance in Cicero 

The cost of auto insurance in Cicero, IL may vary depending on multiple factors, which can include: 

• Your driving record: Safe drivers with no history of accidents or violations may expect lower premiums, while those with an accident history may experience higher costs.  
• Your car: Newer or electric vehicles may cost more to insure due to their replacement value or expensive car parts.  
• Your age: Younger drivers or those with less experience behind the wheel may pay higher rates.  
• Location: Cicero’s proximity to Chicago may also affect rates, as urban areas tend to have higher auto insurance costs due to increased traffic and crime.  

Save on car insurance in Cicero with discounts  

At Illinois Vehicle, our carriers can offer several ways to save on your policy. Here are some discounts 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're a student with good grades, 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 eligible for a discount.  

These discounts may be able to reduce the overall cost of your car insurance, making it more affordable without sacrificing coverage.  

Get a free quote today with Illinois Vehicle 

Ready to find the right auto insurance coverage for you in Cicero? Call us at 630-581-4805 or stop by one of Illinois Vehicle’s two Cicero stores (on W. Cermak Road and Cicero Ave) to get a free, personalized quote today. Our friendly, experienced agents can help you customize a policy that aligns with your needs and budget.  

 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.