Cheap Auto Insurance Quotes in Chicago, IL (September 2022)

Whether the Windy City makes you think of deep-dish pizza or Al Capone, there’s one thing for sure. It’s a busy place, chock-full of things to do for every personality type out there.

Since everyone’s an individual here, put them all together on the road at once and it can make for a mess. In this city, there’s no shortage of roadway accidents—over 300 per day! With those numbers, anyone with a window to the outside world knows that getting behind the wheel without insurance can really put you at risk.

Minimum Car Insurance Requirements in Illinois

All motor vehicles operated or parked on Illinois roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Illinois^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Illinois is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $50,000 per accident for uninsured motorist bodily injury
• $15,000 per accident for uninsured motorist property damage
• $50,000 per accident for underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Illinois, drivers are required to purchase coverage for both uninsured and underinsured drivers for property damage and bodily injury.

Chicago, IL DMV Information

What’s on your to-do list today? Driver’s services? Registration? License plate renewal? You can visit one of the many service facilities throughout the city to take care of your licensing and titling business. There are 22 locations within 30 miles of the city. Not ready to step outside? There’s a whole lot you can do from a computer these days. And, if you’re worried you might drop the ball when it comes to registering your vehicle, you can go online and enter your information into their new email renewal service. This service will allow you to get email notices on the upcoming vehicle expiration date of the vehicle. You can check here for online driver’s services and here for access to online titling and registration options. If you live in the Chicagoland or Metro East areas, emissions testing is required prior to renewing your vehicle.

Public Transportation in Chicago, IL

There are plenty of ways to get around Chicago, and the city’s grid system makes things a little easier for the directionally challenged. The Chicago Transit Authority is the nation’s second-largest public transportation system and operates Chicago’s eight ‘L’ train lines and 129 bus routes. Not everyone’s a fan of those systems, however, so you can also use the high-speed Metra commuter rail, taxis, ridesharing, and even water taxis to get around and down to the heart of the city. Cycling enthusiasts should also feel good about taking a spin around town on Divvy, Chicago’s bikeshare program, which amazingly offers over 580 stations and 5,800 bikes across the city. And for any of you thinking that biking through a busy city like Chicago is tempting fate just a little, there are over 200 miles of protected bike lanes here. Bike worry-free!

How to get the best and cheapest car insurance in Chicago, IL

It took a lot of risk to build this city. Can you imagine what kind of stomach it took for workers to put up the world’s first modern skyscraper—the Home Insurance Building—in 1885?

Luckily for construction workers, a lot has improved—and who would have ever thought back then of all the things we can do today? Your stomach shouldn’t be churning over rising insurance rates; there’s always something you can do about it. You can get a custom quote from hundreds of insurance carriers online right now in minutes with Insurify. Put down that pizza! You have work to do!