• Illinois Auto Insurance Coverage
• Illinois Auto Insurance Discounts

Illinois Car Insurance Coverage

Nationwide makes it easy to find affordable Illinois auto insurance options to keep you and your car protected. Learn about all the available options so you can select the coverages and features to fit your unique needs.

Auto insurance coverage you must have in Illinois

Liability coverage is required by law

There are two types of liability coverage your policy must provide in Illinois: property damage and bodily injury.

• Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
• Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.

When you buy Illinois car insurance coverage, you’ll need at least the required state minimum amount: $20,000/$40,000/$15,000. In the event of a covered accident, your limits for bodily injury are $20,000 per person, with a total maximum of $40,000 per incident. It also covers up to $15,000 for damage to another person’s property.

Liability coverage also provides for your legal defense expenses if you are sued as a result of a covered accident.

Uninsured/underinsured motorist - bodily injury

Helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.

Illinois car insurance coverage that’s smart to have

Comprehensive

This type of Illinois auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage and contact with animals.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Uninsured/underinsured motorist - property damage

Helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured or underinsured.

Medical payments

Helps pay necessary expense for medical and funeral services provided to you and your passengers as a result of an accident.

Tailor your policy with additional Illinois car insurance coverage options and features

Accident Forgiveness

With this optional coverage, Nationwide will not raise auto insurance rates due to your first at-fault automobile accident. Learn more about Accident Forgiveness.

Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. If you’re stranded, Roadside Assistance can help with fuel delivery, lockout service, jumpstarts and more.

Loss of use

If your car can’t be driven due to a covered loss, this coverage may help pay for a rental car or other transportation expenses so you can get back on the road.

_{Average annual savings based on Nationwide policyholder data collected nationally through July 2007 for customers who switched to Nationwide.}

_{Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.}