Individual states have a minimum automotive insurance policy compliance law. In the city of Chicago, it’s no different. Chicago imposes mandatory automotive insurance as follows:

Individuals must carry liability insurance with $25,000 for injury or death of one person in any given accident, $50,000 for injury of more than one person in any given accident and $20,000 damage to property of the other person in a motor vehicle accident. These are the state minimums that are required for drivers to operate, register or maintain a motor vehicle in Chicago.


The average price for automotive insurance policies in Chicago is about $130 per month. Drivers have the option to purchase more or less insurance, depending on personal needs, as long as the minimum requirements are met. Automotive insurance policies are priced based on gender, age, driving record and the make and model of the vehicle. Women can typically get an automotive insurance policy for about $122 a month. Men can expect to pay an average of $138 a month.

Types of Automotive Insurance Policies

Liability is the minimum coverage. It covers state requirements and allows an individual to operate, register and maintain a vehicle.

Collision coverage, also known as full coverage, is an automotive insurance policy that gives the driver protection. Whether you come in contact with another driver or an object, collision coverage is valid.

Comprehensive coverage is a clause in the policy that covers vandalism or theft. It can be a part of any full coverage automotive insurance policy.

Uninsured motorist coverage is a clause in a policy that covers the driver for damages if the other driver doesn’t carry insurance.

The key to reducing unwanted costs associated with a car accident is to have the right automotive insurance policies in Chicago.

To learn more about finding the right automotive insurance policies in Chicago, visit the Illinois Automobile Insurance Agency website.