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Illinois Auto 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.

Illinois car insurance coverage your policy must have

Liability coverage

As a resident of Illinois, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

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 auto insurance coverage that’s smart to have

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

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 these options

Accident Forgiveness

With this optional coverage, Nationwide will not raise your auto insurance rates following 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. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use

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

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