Finding auto insurance in Cicero, IL 

Whether you are commuting to Chicago proper or just running errands around town, understanding car insurance in Cicero, IL, may be useful for you. If you're looking for a policy in Illinois, Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle) can help you find the coverage you need.  

Our agents can assist you with SR-22 filing and we work with 20+ carriers that can accept foreign driver’s licenses and limited driving history. To find cheap car insurance in Cicero that may work for your budget, contact Illinois Vehicle to start your personalized quote! 

Get a Quote

Car insurance requirements in Cicero  

In Cicero, 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 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 car 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.  

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

SR-22 insurance in Cicero 

If you’re ordered by a court to get an SR-22, you may need assistance filing. Though 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 Chicagoland locations to talk about navigating 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 a non-owner car insurance policy. 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 locate non-owner car insurance in Cicero, IL, that works for your situation.  

Car insurance in Cicero with foreign license  

Need car insurance but don’t have a United States driver’s license? Illinois Vehicle works with reputable carriers that can accept foreign IDs like Matricula Consular.  

If you don’t have a state license, you may also be able to provide your passport or ITIN number to purchase a car insurance policy. With Illinois Vehicle, we can help you compare rates to find coverage for you, even if you have a foreign ID.   

Cost of car insurance in Cicero  

The cost of car 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.  

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.  
• Same-day IDs: Our team can help you get same-day proof of insurance, once payment is issued for a policy.  

Car insurance discounts in Cicero  

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

Call to Get a Quote

FAQs  

Which car insurance discounts in Cicero can I qualify for?  

Illinois Vehicle works with reputable carriers that have various discounts for which you may qualify. Some discounts include maintaining good grades, having a clean driving history, and bundling multiple vehicles on one policy.  

What is SR-22 insurance, and how long do I need it?  

SR-22 is a certificate of financial responsibility that proves that you have the state’s mandated minimum coverage. You typically will need to maintain it for three years, but it may be longer depending on the severity of your violation.  

What should I know about insurance after a coverage lapse?  

Some insurers may offer a grace period if you haven’t made your auto insurance payment in time. Regardless, it may be crucial for you to contact your agent as soon as you realize your coverage has lapsed. An Illinois Vehicle agent may be able to help you navigate your policy issues.  

Can I get car insurance with a foreign license in Cicero? 

Yes, you can. Illinois Vehicle works with carriers that may accept foreign IDs like international driver’s licenses and Matricula Consular.  

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.