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    Illinois car insurance

    Welcome to Illinois sign

    As in many states with a large amount of countryside, driving is an essential part of life for many residents of Illinois. Whether you’re in Chicago driving down Lake Shore drive towards a slice of deep-dish pizza or cruising along the Ohio River Scenic Byway, it's important to keep your ride protected.

    Keep yourself and your vehicle safe in the Windy City with flexible, reliable car insurance from Nationwide.

    Take advantage of Nationwide's features

    Nationwide makes it easy for you to find dependable auto insurance in Illinois. We can show you options so you can choose the coverage that's right for your needs, goals and budget. 

    Explore the features below to learn more about what we can offer you:

    Illinois car insurance discounts

    Nationwide makes it easy to find affordable car insurance. Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:

    Multi-policy

    When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.

    SmartRide® program

    SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2

    Good student

    Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.

    Defensive driving

    This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.

    Anti-theft

    If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.

    Safe driver

    It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.

    Automatic payments

    Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.

    Accident free

    When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.

    Save up to 20% when you bundle home and car insurance with Nationwide.
    Get a free quote

    Minimum insurance requirements for Illinois

    The minimum amount of Illinois auto insurance coverage is $25,000/$50,000/$20,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $20,000 for damage to another person’s property.

    Liability coverage

    Liability coverage provides for your legal defense if a lawsuit is brought against you as a result of a covered accident. As a resident of Illinois, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

    • 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.
    • 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.

    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.

    Optional Illinois insurance coverages

    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 benfits

    This insurance may cover reasonable and necessary medical expenses or funerals for you and others who are covered under your policy in an accident, regardless of who is at fault, up to the amount you choose.

    Nationwide coverage in Illinois

    Homeowners insurance

    Find homeowners coverages and discounts for your state.

    Renters insurance

    Find renters coverages and discounts for your state.

    Motorcycle insurance

    Find motorcycle coverages and discounts for your state.

    On Your Side® Review

    Make sure your insurance keeps up with your life.
    [1] Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling.

    [2] Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.

    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 or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.