IL · Prairie State
Auto insurance quotes in Illinois
Compare coverage options across Illinois.
- Chicago
- Springfield
- Champaign
Drivers in Chicago, Springfield, and Champaign can request an auto insurance quote through New Auto Insurance for expressway commuting, a campus car, or a household with several drivers.
Licensed agents may follow up. New Auto Insurance does not bind coverage, and a form is not a policy.
State snapshot
How auto insurance is often discussed in Illinois
General information about how auto insurance is often discussed in Illinois. This is not insurance advice, and rules change.
Negligence rule
Modified comparative fault
A high enough fault percentage can limit recovery in many claim talks. Expressway congestion and winter driving often show up again on the next quote.
Typical claim window
Often discussed around 2 years
Windows vary by claim type. Confirm what applies with a licensed agent or your state insurance department.
Auto system
At-fault
No-fault states often start with PIP benefits. At-fault states usually look first at who caused the wreck.
Insurance regulator
Illinois Department of Insurance
New Auto Insurance is not an insurer and does not file claims with this regulator.
Get a quote
Request an auto insurance quote in Illinois
Share a few details. A licensed agent may contact you about options. Submitting a form does not bind a policy or choose a carrier.
Local context
Auto insurance landscape in Illinois
Illinois is an at-fault state. I-90, I-55, and I-294 traffic, plus winter road treatment in Chicago, often show up in quote and claim conversations. Downstate drivers around Springfield or Champaign may describe more highway miles and fewer garage-parking issues.
A 25/50/20 liability figure is often cited as a general reference. Shopping still includes uninsured motorist choices and how you list commute distance. Confirm details with a licensed agent or the Illinois Department of Insurance.
Issues that often come up in Illinois quote reviews
01
25/50/20 as a cited minimum
Chicago, Springfield, and Champaign shoppers often hear 25/50/20 as a general liability reference. City garage ZIP codes can still produce different comprehensive questions than downstate highway use.
02
Expressway commuting on I-90 and I-294
High trip counts and short distances are common in Chicago quotes. Mileage answers should match the real commute, including winter months.
03
Uninsured motorist shopping
UM/UIM is a frequent add-on conversation. Comparing options on newautoinsurance.com does not guarantee a lower price. Ask a licensed agent about current rules.
Coverage types
What people request in Illinois
Request a quote for coverage that would apply in Illinois. Participating agents decide whether they can discuss a policy with you.
Liability
Need bodily injury and property damage limits that meet your state rules? Ask for a quote.
Full Coverage
Want collision and comprehensive on top of liability? Request a full coverage quote.
Uninsured Motorist
Worried about a driver with little or no insurance? Request a UM / UIM quote.
SR-22 / High-Risk
Need an SR-22 filing or coverage after a lapse, DUI, or suspension? Ask for a quote.
Commercial Auto
Insure a work van, delivery car, or small fleet? Request a commercial auto quote.
Motorcycle
Need coverage for a street bike, cruiser, or scooter? Ask for a motorcycle quote.
RV, ATV, and Trailer
Cover a motorhome, ATV, off-road vehicle, or travel trailer? Request a quote.
Antique / Collector
Insure a classic, antique, or limited-use collector car? Ask for a quote.
Before you submit
Good to know in Illinois
- A form on New Auto Insurance does not bind a policy.
- Licensed agents may contact you to finish underwriting questions.
- Confirm details with a licensed agent or the Illinois Department of Insurance.
This page is general information about Illinois auto insurance, not advice from New Auto Insurance. A licensed agent who reviews your facts can confirm what applies to you.