Fair car insurance in Illinois
From Chicago to Jefferson Park and Arlington Heights to Peoria, good drivers in Illinois can get affordable car insurance. It’s easy. Download the Root app, complete the test drive, and then see what you’ll save on your car insurance quote. Good drivers could get quality car insurance and save hundreds.
How it works
At Root, we care about how you actually drive. So that’s primarily how we base rates. Traditional auto insurance companies base your rate on things like age, credit score, marital status, and ZIP code—we don't think that's fair, so we’re doing it differently.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for auto insurance in Illinois
What are the state minimum requirements for car insurance in Illinois?
Illinois requires drivers to carry both Liability insurance and Uninsured/Underinsured Motorist coverage. Failure to meet the minimum requirements could result in a fine and suspension of your driver’s license and registration.
Liability 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.
Minimum required Liability coverage in IL:
$25,000 for bodily injury (per person)
$50,000 total for bodily injury (per accident - multiple people injured)
$20,000 for property damage
Uninsured/Underinsured Motorist Bodily Injury coverage
Uninsured Motorist and Underinsured Motorist coverages are both required coverages. They pay for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. You’re also covered if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.
Minimum UM/UIM limits:
$25,000 per person
$50,000 total per accident
Note: UM/UIM will not cover property damage.
What is SR-22 insurance?
SR-22 insurance is required in Illinois for high-risk drivers, such as someone with a DUI or who has driven without insurance. The SR-22 is actually not insurance–it’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. Your insurance company will file it with the Illinois Driver Services Department.
What other coverages does Root offer?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
(included with every Root policy)
What is the average cost of car insurance in Illinois?
The average driver in Illinois pays $1,434[1] per year for their auto insurance. However, many people are paying much more—often because of bad drivers. That means our customers are getting some of the cheapest auto insurance in the state, saving up to $900 a year.
Start saving on Illinois car insurance
Get an auto insurance quote based primarily on how you drive. You could save hundreds.
References
Insure.com. Annual average rates were compiled in April 2020
Additional Resources
Cyberdriveillinois.com (not a government agency)
Illinois Car Insurance (not a government agency)