Car Insurance — Illinois
Illinois Auto Insurance
Looking for car insurance in Illinois? Signature Insurance is an independent agency licensed in Illinois. We shop Progressive, Travelers, Nationwide, and Safeco and dozens more to find you the right blend of price and coverage.
Get a IL Car Insurance QuoteIllinois Auto Insurance — What's Covered
- liability (bodily injury + property damage)
- collision
- comprehensive
- uninsured/underinsured motorist
- medical payments / PIP
- rental reimbursement
- roadside assistance
Illinois Auto Insurance Requirements
Illinois requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (25/50/20).
Illinois is an at-fault state. The driver who causes a crash is responsible for the damage, usually through their liability insurance.
State minimums are a legal floor, not a recommendation. One serious accident can cost far more than these limits, so most drivers are better protected with higher liability limits and uninsured motorist coverage.
Requirements as of 2026. Rules change, so confirm current requirements with your agent.
Top Carriers We Shop in Illinois
We have direct appointments with Progressive, Travelers, Nationwide, and Safeco plus dozens of regional and specialty markets.
Auto Insurance in Illinois FAQ
What are the minimum car insurance requirements in Illinois?
Illinois requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (25/50/20). Illinois is an at-fault state.
How much auto insurance do I need?
At minimum, the liability limits your state requires — but most agents recommend 100/300/100 ($100k bodily injury per person, $300k per accident, $100k property damage) plus uninsured-motorist coverage. If you have meaningful assets to protect, layer an umbrella policy on top.
What discounts can I qualify for?
Common ones we shop for: multi-policy (auto + home), multi-vehicle, paid-in-full, paperless, good driver, defensive driving course, low mileage, telematics, good student, military/affiliation, and homeowner discount (even if your home is insured elsewhere).
Does Signature Insurance write car insurance in Illinois?
Yes. Signature is a licensed insurance agency in Illinois with direct appointments with Progressive, Travelers, Nationwide, and Safeco. You can quote online in 5–10 minutes or call 859-407-4888.
More Illinois coverage:
Get Illinois Car Insurance Quotes
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9–5 EST.