Illinois Vehicle Auto Insurance

You can purchase an auto insurance policy through Illinois Vehicle in the way that works best for you:

• In person – Visit one of our local offices in Illinois.
• Online – Start your quote and, if available for your situation, complete your purchase online.
• By phone – Call one of our agents to complete your quote and purchase.

After you buy a policy

Once you purchase a policy through Illinois Vehicle:

• You may need to sign follow-up documents, depending on the coverages you selected and the carrier.
• You receive proof-of-insurance cards (delivered by email, text, or in person, depending on how you purchased).

Making payments

Illinois Vehicle and the carriers we work with offer several convenient payment options. While specific options can vary by carrier, customers commonly have access to:

• Monthly payment plans, subject to carrier availability and terms.
• Online payments, accessible through the "Make a Payment" or "Manage My Policy" options on our website.
• In-person payments at participating local offices.

Illinois Vehicle also offers:

• A Cancel Protection Program when you enroll in an eligible automatic payment plan, helping reduce the risk of policy cancellation due to missed payments.
• Payment reminders, where we reach out when your payment is coming due to help you avoid unintentional lapses.

Policy reinstatements

If your policy cancels due to non-payment, Illinois Vehicle can often assist with the reinstatement process, subject to carrier rules and underwriting. Whether reinstatement is possible, and on what terms, is determined by the carrier.

Managing your policy and filing a claim

Customers can:

• Use Manage My Policy tools linked from our website to review or adjust certain policy details, where available from the carrier.
• File a claim by following the "File a Claim" information and links provided under Customer Resources on our website, or by contacting your carrier directly, as instructed in your policy documents.

For help with payments, policy changes, or claims questions, you can contact an Illinois Vehicle agent or visit one of our offices.

Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle) helps Illinois drivers find auto insurance that meets state requirements and fits their budget. We work with multiple insurance carriers to help you compare quotes and choose coverage that matches your situation.

Who we serve

• Drivers across Illinois, including Chicago, Aurora, Joliet, Waukegan, Elgin, Rockford, Cicero, and surrounding communities.
• Individuals and families needing personal auto insurance.
• Drivers who need an SR-22 filed with the Illinois Secretary of State.
• People who do not own a vehicle but still need liability coverage (non-owner policies).
• Drivers using foreign driver's licenses and certain foreign IDs (such as Matricula Consular), when accepted by the carriers we work with.

How we help

• Compare rates from 20+ auto insurance carriers.
• Help you tailor a policy around your coverage needs and budget.
• Assist with same-day SR-22 filings in many cases.
• Help you access non-owner auto insurance policies.
• Provide bilingual service in English and Spanish.
• Offer in-person service at neighborhood locations as well as online and by phone.

Key features

• Focus on affordable auto insurance options for Illinois drivers.
• Guidance on meeting Illinois state minimum insurance requirements.
• Options for additional coverages (such as roadside assistance and rental reimbursement) through the carriers we work with.
• Local agents who understand Illinois driving laws and conditions.

For a personalized quote, you can request one online, visit a local office, or call one of our agents.

Some ways Illinois drivers may be able to save on auto insurance with participating carriers include:

• Bundling multiple vehicles on one policy – Insuring more than one vehicle on the same policy may qualify you for a multi-vehicle discount, depending on the carrier.

• Usage-based telematics programs – Some carriers may offer usage-based or telematics programs that track certain driving behaviors. Safe driving in these programs may help some customers qualify for lower rates, if offered by the carrier.

• Good student discounts – Maintaining strong grades in school may help some student drivers qualify for a good student discount with certain carriers.

• Defensive driving course discounts – Completing an approved defensive driving course may help some drivers qualify for lower rates, if the carrier offers this type of discount.

• Other carrier-specific discounts – Some carriers may offer additional discounts, such as for maintaining a clean driving history or paying your premium in full.

Important notes

• Not all discounts are available from all carriers or in all situations.
• Eligibility, terms, and the amount of any discount are determined solely by the insurance carrier.
• Discounts generally do not guarantee overall lower premiums, since rates depend on many factors.

To learn which discounts might be available to you, contact an Illinois Vehicle agent for a personalized quote.

Examples of communities we serve include:

• Chicago
• Cicero
• Aurora
• Joliet
• Waukegan
• Elgin
• Rockford

Illinois Vehicle has dozens of local offices in Chicago and surrounding areas, providing in-person service for customers.

To find the location nearest you, use the "Find a Location" tool on our website.

Corporate office

• Corporate office address:
• 2211 W Butterfield Rd, Suite 150
• Downers Grove, IL 60515

Phone numbers

• To speak with an agent: 877-347-9440
• Additional contact number listed on our site: 630-581-4805

(Phone numbers and availability are subject to change; always refer to your policy documents or our website for the most current contact information.)

Online contact

You can contact the web team or request assistance by using the "Contact Us" form on our website.

• The web team is generally available 8:00 AM to 5:00 PM Central Time for online inquiries.

Language support

Many of our agents are bilingual in English and Spanish, so you can receive assistance in the language you are more comfortable with.

For directions, office-specific hours, or additional contact options, please use the location finder and contact information on our website.

Full coverage

A full coverage auto insurance policy typically includes:

• Liability coverage (for injuries or property damage you cause to others, up to policy limits).
• Comprehensive coverage (for certain non-collision losses, such as theft or some types of damage to your vehicle, as defined in your policy).
• Collision coverage (for certain damage to your vehicle resulting from a covered collision, as defined in your policy).

State minimum coverage

If you want to meet only the legal requirements in Illinois, you can choose a policy that is designed to meet Illinois state minimum requirements, which typically includes:

• Liability coverage (bodily injury and property damage) up to at least the minimum limits required by Illinois law.
• Uninsured motorist bodily injury coverage (UMBI), as required in Illinois.

Exact required limits are determined by Illinois law and the terms of your policy. Our agents can explain what limits are needed to drive legally in Illinois.

Non-owner auto insurance

For drivers who do not own a vehicle but still need liability coverage or an SR-22 filing, we can help you find non-owner auto insurance options. These policies are generally designed to provide liability coverage when you occasionally drive vehicles you do not own. Coverages and availability depend on the carrier and your situation.

SR-22 insurance

If you are required to file an SR-22 with the Illinois Secretary of State, we can help you:

• Get a quote for a policy that can support an SR-22 filing.
• Purchase a policy and have the SR-22 filed, often on the same day, depending on the carrier and your circumstances.

Additional coverages

Many carriers we work with may offer extra coverages, which can include:

• Roadside assistance
• Rental reimbursement
• Other optional coverages, depending on carrier and eligibility

Availability, terms, and conditions for each coverage are determined by the specific carrier and your policy.

For details about which coverages are available to you, please contact an Illinois Vehicle agent.

Ask anyway — the agent will say plainly that it is not published rather than guess.