Please note in Illinois, liability insurance does not cover your own costs for personal injuries or property damage.
Uninsured Motorist: In Illinois, you must also carry uninsured motorist bodily injury coverage to help cover injuries to you and/or your passengers in a car accident with an uninsured driver. Requires proof that the other driver was not insured at the time of the accident.
Car accidents can be extremely costly, and you might find you need extra protection since the minimum car insurance limits in Illinois might not cover all the damages. This type of insurance will not cover property damage. The following are minimum limits for uninsured motorist coverage for bodily injury every Illinois driver is required to have by Illinois law:
- $25,000 per person
- $50,000 total per accident
Under-Insured Motorist: In Illinois, you must also carry underinsured motorist bodily injury coverage if you have higher than the State required limits to help cover injuries to you and/or your passengers in a car accident with a driver who has only state-required auto insurance limits.
This type of insurance also will not cover property damage. The following are minimum limits for underinsured motorist coverage for bodily injury:
- $25,000 per person
- $50,000 total per accident
Optional Car Insurance Coverage
According to DMV.org, most Illinois auto insurance carriers offer the following types of optional coverage:
- Collision – Will help cover damages to your car after a traffic accident.
- Comprehensive – Will help pay for repairs of non-collision-related damages to your car, such as those from vandalism or hitting a deer.
- Medical Payments – Will help cover costs from accident-related injuries, not covered by other insurance.
- Uninsured Motorist Property Damage – Will help cover damage to your car after an accident with an uninsured driver, minus deductible.
- Rental Reimbursement – Will help cover the cost of a rental car while your vehicle is being repaired after a car accident.
- Towing Reimbursement – Will help cover the cost of towing expenses due to accidents.
Please note that Illinois law does not require you to have collision and/or comprehensive coverage, but you may be required to purchase these coverages depending on which lender you used to finance your vehicle.
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Coverage for Great and the Not-So-Great Drivers
As independent agents, Solo Insurance® shops the policy options of multiple insurers to give you our best rate for the coverage you want. We help both new and long-term customers choose and re-evaluate their coverage.
We’re also here for those drivers who might feel like they have nowhere else to turn. At some agencies, new drivers, drivers with SR-22 requirements, or those with bad driving records might find it hard to get the best policies at affordable prices. We always give you reliable coverage, with our best pricing option, regardless of your circumstances.
How to Determine Your Illinois Car Insurance Premium
Insurance carriers determine your rate by looking at several factors. Below are some of the most common ones provided by DMV.org
- Driving record.
- Age.
- Gender.
- Marital status.
- Location.
- Your car's make and model.
- Your average mileage.
- Credit history.
- The types of optional car insurance you purchase.
- Your deductible
Available discounts for good driver, good student, multiple car, and homeowner’s discount.
At Your Service When You Need Us
Here at Solo Insurance®, we don’t beat around the bush. We get to the heart of the matter. With us, you’ll find real people, with real options and a real commitment to helping you. We do more than try to sell you a car insurance policy. We’re your insurance resource for everything.
So, what are you waiting for? Fill out the quote form right now. You can also call us at 800-207-7656 during business hours (you’ll talk to a real person, each time, every time) or email us anytime.
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