#full coverage auto insurance
Claims Center arrow expand
Retrieve Saved Quote Call 1-877-On Your Side (1-877-669-6877) Anytime
Find an Agent Find an Agent
Advanced Search Call 1-877-On Your Side
Illinois Auto Insurance Coverage
Nationwide makes it easy to find affordable Illinois auto insurance options to keep you and your car protected. Learn about all the available options so you can select the coverages and features to fit your unique needs.
Illinois car insurance coverage your policy must have
As a resident of Illinois, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
- Bodily injury safeguards your assets if you’re found legally accountable for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
- Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
When you buy Illinois car insurance coverage, you’ll need at least the required state minimum amount: $20,000/$40,000/$15,000. In the event of a covered accident, your limits for bodily injury are $20,000 per person, with a total maximum of $40,000 per incident. It also covers up to $15,000 for damage to another person’s property.
Liability coverage also provides for your legal defense expenses if you are sued as a result of a covered accident.
Uninsured/underinsured motorist – 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.
Illinois auto insurance coverage that’s smart to have
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).
Uninsured/underinsured motorist – property damage
Helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured or underinsured.
Helps pay necessary expense for medical and funeral services provided to you and your passengers as a result of an accident.
Tailor your policy with these options
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.
Loss of use
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.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.