Finally—there’s fair car insurance in the Prairie State! You’re already home to deep-dish pizza and Superman, but if that wasn’t enough, you can now add fundamentally fair car insurance to the mix, too. It’s a bird...it’s a plane...it’s 52% off current rates for good driving Illinoisans with a Root policy.
We base rates primarily on how you actually drive, not just demographics like age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.
Since Illinois is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand. (Root policyholders can find their electronic proof of insurance right in the Root app.) Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Illinois—from Chicago to Springfield, Rockford to Peoria, and in every corner of the Prairie State.
Illinois requires drivers to carry both liability insurance and uninsured motorist coverage.
Liability helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do).
Uninsured/underinsured motorists bodily injury (UM/UIM) helps to cover injuries to you and your passengers in a car accident with an uninsured or underinsured driver.
UM/UIM will not cover property damage.
If you’re hurt in a car accident, you may recover damages (money) if you’re not more than 50% responsible for the crash. If you’re found to be at least 50% responsible, you cannot recover any damages. If you’re less than 50% responsible for causing the crash, you may still recover damages, but the amount will be reduced by the percentage you’re found at fault. (For example: you’re found to be 20% responsible for causing a car crash, so your damage award would be reduced by 20%.)
IL drivers must carry proof of insurance while driving and present it during traffic stops. Drivers must also submit their insurance info if randomly selected to complete the insurance verification questionnaire. (Remember, Root policyholders can find their electronic proof of insurance right in the Root app.)
Learn all about Root’s coverage options here:Our Coverages
The average Illinoisan pays $1,1592 per year for their auto insurance policy, but many people are paying much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers are saving up to $1,142 per year, on average—all while enjoying simple, fair car insurance.