Illinois
Illinois

Discover how much you can save on Illinois auto insurance.

Download the app. Take a test drive around the Prairie State. Get a free quote.

Why choose Root for your Illinois auto insurance policy?

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.

What makes Root different from traditional insurers in Illinois?

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:

  1. Download a free app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy—all within the app. And because we don’t insure high-risk drivers, good-driving Illinoisans save up to $100/month.

Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.

It’s a good time to be a good driver in Illinois.

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.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum auto insurance requirements in Illinois?

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).

Minimum liability coverage:

  • $25,000 for bodily injury per person
  • $50,000 total for bodily injury per accident
  • $20,000 for property damage

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.

Minimum UM/UIM limits:

  • $25,000 per person
  • $50,000 total per accident

UM/UIM will not cover property damage.

Illinois’ Comparative Negligence Law

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%.)

Proof of insurance

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.)

Fines and penalties when you’re caught without insurance:

  • $500 minimum fine
  • Suspension of your license plates and $100 reinstatement fee
  • $1,000 minimum fine if you’re caught driving a vehicle with suspended plates due to an insurance violation
  • Potential purchasing and filing of an SR-22 certificate through your car insurance company (this service is free with a Root policy)

What other coverages does Root offer?

  • Collision
  • Comprehensive
  • Medical Payments
  • Personal Injury Protection
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What is the average cost of car insurance in Illinois?

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 $1,187 per year, on average—all while enjoying simple, fair car insurance.

What our customers tell us

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Choosing your car insurance coverage just got easier.

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