Coverage guide · Personal auto
Auto insurance in Illinois, priced across carriers.
One licensed producer at an independent brokerage in the RateShield trusted network compares the same coverage across top carriers and calls you with numbers you can act on.
This is an educational guide from RateShield, a technology company. We do not sell or place insurance. The coverage described here is quoted and placed by an independent, licensed brokerage in the RateShield trusted network.
What it covers
Liability
Pays for injuries and property damage you cause to others. Illinois requires at least 25/50/20, and most drivers should carry more than the minimum.
Uninsured and underinsured motorist
Covers you when the at-fault driver has no insurance or too little. Illinois requires uninsured motorist bodily injury coverage on every policy.
Collision
Repairs your car after an accident, regardless of fault, minus your deductible. Lenders require it on financed vehicles.
Comprehensive
Theft, vandalism, hail, flood, fire, and animal strikes. Everything that can happen to a car when nobody is driving it.
Medical payments
Covers medical bills for you and your passengers after an accident, regardless of fault.
Rental and roadside
Keeps you moving while your car is in the shop, and gets you off the shoulder when it will not start.
Worth knowing
What a licensed producer watches for
The minimums are rarely enough
Illinois minimum limits were set with yesterday's repair and medical costs in mind. One serious accident can pass 25/50/20 quickly, and the difference comes out of your pocket.
The car itself moves the price
Carriers price repair costs and theft rates, so two cars with the same sticker can insure hundreds apart. Quote the exact model before you buy.
Continuous coverage is worth protecting
A lapse, even a short one, marks you as higher risk to every carrier and follows you for years. If a policy is about to cancel, call before it does.
Common questions
Your ZIP, the vehicle, and who drives it. Sixty seconds. A licensed producer at the brokerage named on your request handles the rest and calls you with real numbers.
Once you pick a policy, the brokerage can start coverage and send proof of insurance without waiting on the rest of the paperwork.
Usually yes. Minimum limits leave you personally exposed in a serious accident. Your producer will show you what stepping up actually costs, and it is often less than people expect.
Related coverage
One call does it.
Sixty seconds to start. A licensed brokerage in the RateShield trusted network does the rest.