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Illinois Car Insurance

We know what drivers are looking for in an Illinois auto insurance policy - great value for the money and service that raises the bar. With a broad selection of coverage options, Acceptance provides the flexible choices you need to customize the perfect policy. Our policy options include many different products, including these core sorts of coverage:

State Requirements

  • If you are going to drive legally in the State of Illinois, you must have an auto insurance policy with, at minimum, bodily injury liability coverage of $25,000 for each party and $50,000 for each accident, and property damage liability coverage of $20,000 per accident.

  • The state also requires a minimum uninsured motorist bodily injury coverage level of $25,000 per person and $50,000 per incident, plus optional uninsured motorist property damage coverage of $15,000 at maximum, with a $250 deductible.


Basic Liability Coverage

Drivers in all 50 states are required by law to carry basic liability coverage when they get behind the wheel. This type of Illinois auto insurance only protects the other driver and passengers, and their property, in the event that you cause a collision. Since collisions can be much more expensive than that, additional coverage is always a good idea.

 

Comprehensive and Collision Coverage 

With collision coverage from Acceptance, your property will also be covered if you cause an accident. The comprehensive coverage takes your policy a step further with protection for cases of vandalism, windshield damage, fire or theft. This is a premium level of protection that can provide the peace of mind you desire. If budget is a concern, simply choose a higher deductible policy from Acceptance, and lower your monthly payments.   


Uninsured Motorist Coverage

You may be a responsible driver with sufficient insurance protection, but there's no telling what's going on with the drivers you share the road with. If you want to make sure you're covered even if a driver with insufficient insurance coverage hits you, or no insurance at all, an uninsured motorist policy is right for you.