Seguro para autos en Illinois
From the rich cultural scene of the Windy City, to the historic sites you can visit in the Land of Lincoln, Illinois has something for everyone. Whether you're traveling along the nostalgic Route 66 or headed down the scenic Great River Road, you’ll want the right seguro para autos
The AARP® Auto Insurance Program from The Hartford1 has been providing auto insurance to AARP members and their families since 1984. With a reputation for integrity and a high customer satisfaction rating, you can count on us for the Illinois auto insurance coverage you need.
Benefits of Some of the Best Car Insurance in Illinois
The AARP Auto Insurance Program from The Hartford offers many valuable benefits to Illinois drivers, including:
- New Car Replacement:§§ If you total your new car, we’ll pay to replace it with a new one of the same make, model and equipment, with no deduction for depreciation.
- Exención por accidente:‡ We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
- Disappearing Deductible:† With this optional benefit, your collision deductible on your car insurance policy will go down over time as long as you keep a clean driving record.
- 24/7 Claim Service: Our specialists can help walk you through the claim process at any time of the day. You can reach them at 800-243-5860.
Required Illinois Vehicle Insurance Coverage
The state minimum for liability limits for car insurance in Illinois are:2
How Much Is Car Insurance in Illinois?
- Driving records and history
- Credit scores
- Tipo de vehículo
- Millas promedio por año
- Montos deducibles
Proof of Car Insurance in Illinois
Illinois state law requires you to keep a copy of your car insurance ID in your car. This requirement will allow you to provide it to a requesting police officer if needed.
However, in Illinois, you can also show your proof of car insurance electronically. And with The Hartford mobile app
, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play
™ or App Store
Illinois Uninsured Driver Facts
Illinois state law requires drivers to carry uninsured/underinsured motorist car insurance coverage. This helps pay medical bills after an accident caused by an uninsured driver or one that doesn’t have enough insurance.
This coverage must also have the minimum coverage amounts of:3
- $25,000 per person
- $50,000 per accident
Additional Illinois Auto Insurance Coverages
Staying Safe on Illinois Roads
As you travel through Illinois, there are a number of safe driving laws meant to protect you on the road, including:4
Illinois Seat Belt Laws:
Illinois is one of 34 states that have a primary seat belt law. This means that police can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
Illinois Distracted Driving Laws:
Illinois has discouraged distracted driving with laws that:
- Ban hand-held cell phones for all drivers.
- Forbid new drivers from using hand-held or hands-free cell phones while driving.
- Ban texting while driving.
Illinois Teen Driver Laws:
Getting a driver's license is a rite of passage for teenagers. To keep these young drivers safe while they learn, Illinois has graduated licensing laws that ensure teenagers gain the experience and maturity that's required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Frequently Asked Questions About Illinois Auto Insurance
Does Illinois require auto insurance?
Yes, the state of Illinois requires all vehicle owners to have certain amounts of auto liability insurance.
Is It Illegal to Not Have Car Insurance in Illinois?
Yes, it’s illegal to drive without insurance in Illinois.
Does Insurance Follow the Car or the Driver in Illinois?
In Illinois, auto insurance usually follows the car. This includes coverages like your:
- Responsabilidad por lesiones corporales
- Personal injury liability
- Uninsured motorist protection
- Cobertura por colisión
- Cobertura integral
Do I Have to List All Drivers on My Insurance?
Yes, in most cases you do need to list all drivers on your policy. However, you can always call your insurance company to find out exactly who you need to include.
Get a Car Insurance Quote in Illinois
Other Illinois Coverage Links
Last Updated: October 13, 2023