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 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. 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.Minimum insurance requirements for Illinois
Liability coverage
Uninsured/underinsured motorist - bodily injury
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: 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 coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible). Helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured or underinsured. 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.Optional Illinois insurance coverages
Comprehensive
Collision
Uninsured/underinsured motorist - property damage
Medical benfits
With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness. 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. 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.Tailor your policy with these options
Accident Forgiveness
Roadside Assistance
Loss of use/rental car expense