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Search by Quote ID → Search by Date of BirthIllinois Car Insurance
When you’re on the road in Illinois, having the right car insurance isn’t just a good idea—it’s the law. Mercury Insurance is here to make finding coverage simple, affordable, and stress-free. Whether you’re cruising through Chicago’s busy streets or enjoying a scenic drive along the Mississippi River, we’ve got your back.
Illinois Auto Insurance Requirements
The state has specific minimum liability coverage requirements to ensure all drivers are protected in case of an accident. Here’s what’s mandated:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident
These coverages help pay for medical expenses and property damage if you’re at fault in an accident. While these are the minimums, many drivers choose higher limits or additional insurance coverage for extra peace of mind.
What is Full Coverage Car Insurance in Illinois?
While Illinois only requires liability coverage, full coverage car insurance provides added protection for your vehicle and finances. Full coverage typically includes:
- Collision coverage: Pays for repairs to your car if you’re involved in an accident, regardless of who’s at fault.
- Comprehensive coverage: Covers non-collision damages like theft, vandalism, or weather-related incidents (think hail or falling branches).
- Uninsured/underinsured motorist coverage: Protects you if you’re hit by a driver who doesn’t have enough insurance or none at all.
Full coverage is a great option if you want more robust protection, especially for newer vehicles or if you have an auto loan. If you’re unsure about what level of coverage is right for you, a Mercury agent can help tailor a policy that fits your needs and budget.
How to Get Car Insurance in Illinois
Mercury makes it easy to find the right policy at a great price. Here’s how you can get started:
- Get a quote: Find an Illinois local agent, or use our online quote tool for a quick estimate.
- Contact an agent: Have questions or need guidance? Our friendly agents are here to help. You can find their contact information on the same page to connect directly.
- Customize your policy: Work with your agent to build a policy that fits your needs and budget, whether it’s basic liability or full coverage.
- Save and drive confidently: Take advantage of our discounts and enjoy peace of mind knowing you’re protected.
Get Car Insurance Savings & Discounts in Illinois
Who doesn’t love saving money? At Mercury, we offer plenty of ways to lower your car insurance premiums while still getting quality coverage. Here are some of the discounts Illinois drivers can take advantage of:
- Good driver discount: Keep a clean driving record, and we’ll reward you with lower rates.
- Multi-policy discount: Bundle your auto and home insurance policies to save big.
- Multi-car discount: Insure more than one car with Mercury and get a discount on your premiums.
- Anti-theft feature discount: Vehicles equipped with anti-theft devices can qualify for additional savings.
These are just a few of the ways you can save. Contact your agent today to see what else you may be eligible for.
Top Rated Auto Insurance in Illinois
At Mercury, we’re proud to have a long history of providing award-winning service to our customers. Over the years, we’ve been recognized for our commitment to affordability, quality coverage, and exceptional customer satisfaction. Here are a few of our proudest achievements:
- Named by Forbes as one of America’s Most Trustworthy Companies
- Recognized by J.D. Power for “Best Insurer for Overall Satisfaction” in the Shopping Segment of the 2021 U.S. Digital Experience Study
- Listed among Forbes’ Best Insurance Companies in America for 2022
Don’t just take our word for it. Here’s what some of our Illinois customers have to say:
Great broker service
from Lou in Chicago
Service and pricing was explained in great detail service was great.
Very Easy, Great Prices!
from Bobby in Chicago
Very easy to enroll!
Great response in adding a new vehicle. Prompt service.
from Patrick in Montgomery
We have auto and homeowner policies and are very happy with both.
Mercury Insurance Coverage in Illinois
Here are the insurance products Mercury offers to Illinois residents:
Learn More About Car Insurance
Want to learn more about car insurance? Check out these blogs for tips, insights, and answers to common questions:
How Does a Speeding Ticket Affect Your Car Insurance?
How Car Make and Model Impact Insurance Rates
The 10 Most Affordable Trucks and SUVs to InsureIllinois Car Insurance FAQs
What is the average monthly payment for car insurance in Illinois?
According to Bankrate, the average cost of full coverage car insurance in Illinois is $2,315 annually, while minimum coverage is $633 per year.
How much car insurance do I need in Illinois?
Illinois requires a minimum of $25,000 per person/$50,000 per accident for bodily injury liability and $20,000 per accident for property damage liability. However, you might want to consider higher limits or additional coverage like collision and comprehensive for better protection.
Can you get car insurance without a license in Illinois?
Yes, it’s possible to get car insurance without a license in Illinois. This can be useful for those who own a vehicle but don’t drive, such as parents insuring a car for their child.
Does auto insurance follow the car or the driver in Illinois?
In Illinois, auto insurance typically follows the car. This means that if someone else drives your insured vehicle with your permission, they’re usually covered under your policy.
What happens if you don't have car insurance in Illinois?
The state requires all drivers to carry liability insurance, and if you’re caught without it, you could face fines, license suspension, and even higher insurance rates in the future. Plus, if you’re involved in an accident without insurance, you could be held personally responsible for covering all the damages and medical bills.
Do you need insurance to register a car in Illinois?
In Illinois, you can’t register your car without proof of insurance. The state requires all vehicles to have at least the minimum liability coverage before hitting the road.
Why is car insurance so expensive in Illinois?
According to Bankrate, car insurance rates in Illinois are lower than the national average. However, several factors can still make car insurance feel expensive. Urban areas like Chicago, with heavy traffic and a higher risk of accidents, can drive up premiums. Additionally, Illinois experiences extreme weather conditions like snowstorms and flooding, which can lead to more claims.
How to lower my car insurance in Illinois?
If your car insurance feels too expensive, here are some tips to lower it:
- Shop around: Get quotes from multiple insurance companies to find the best rate.
- Bundle your policies: Combining auto insurance with home or renters insurance can save you money.
- Raise your deductible: A higher deductible means a lower monthly premium, but make sure it’s still affordable if you need to file a claim.
- Take advantage of discounts: Ask your insurer about discounts for safe driving, being a student, or installing anti-theft devices.
- Improve your credit score: A better score often leads to lower rates.
What are helpful resources for Illinois drivers?
Here are some great resources for drivers in Illinois:
- Illinois Secretary of State (ILSOS): Handles vehicle registration, driver’s licenses, and state driving laws.
- Illinois Department of Transportation (IDOT): Offers information on road conditions, construction updates, and safety tips.
- Illinois Insurance Department: Provides guidance on car insurance, including tips on finding coverage and filing complaints.
- Local DMV offices: Your go-to spot for renewing your license, registration, and more.