AARP Car Insurance in Illinois

Get a Quote From The Hartford for Illinois Car Insurance

From the rich cultural scene of the Windy City to the historic sites in the Land of Lincoln, Illinois has something for everyone. Whether you're traveling along the nostalgic Route 66 or headed down the scenic Great River Road, you’ll want the right car insurance to drive with confidence.

AARP^® Auto Insurance from The Hartford¹ has been protecting AARP members for over 40 years, with exclusive benefits and customizable coverage options to meet your unique needs. At The Hartford, we’re proud to offer the only auto insurance endorsed by AARP. We understand the unique needs of experienced drivers and have earned a reputation for trust and integrity, with consistently high customer satisfaction reviews.

Types of Car Insurance Coverage in Illinois

Whether you collide with a hit-and-run driver or a tree limb falls on your car, The Hartford has the protection you need to enjoy peace of mind. Common car insurance coverages include:

Liability Coverage

There are two types of liability coverages:

Bodily injury liability coverage to protect you from financial loss if you hurt someone in an accident.
Property damage liability coverage, which pays for damage that your car causes to property you don’t own.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage and underinsured motorist coverage help cover damages if you are hit by a driver who doesn’t have any or enough car insurance to cover the costs of damages and injuries. This insurance is split into three coverages:

Uninsured/underinsured motorist bodily injury coverage to help with bodily injury costs for you and your passengers.
Uninsured motorist property damage coverage to help pay for damage to your car.

Comprehensive Coverage

Comprehensive insurance pays to repair damage to your car from things like:

Natural disasters
Theft
Vandalism
Collision with an animal

Collision Coverage

Collision insurance helps cover the cost to repair or replace your car if you hit another vehicle or object, like a fence.

Medical Payments Coverage

Medical payments coverage is an optional coverage that provides financial assistance for medical expenses and rehabilitation after an accident.²

Personal Injury Protection

Personal injury protection (PIP) insurance, also known as no-fault insurance, helps pay for losses related to injuries from a car accident, no matter who was at fault. In addition to medical bills, PIP also helps cover funeral costs or lost wages.

Need more coverage guidance for your car insurance in Illinois? The Hartford's car insurance calculator explains how much coverage is required where you live and details any extra protection you may want to include based on your insurance goals.

Is Car Insurance Required in Illinois?

Car insurance in Illinois is required for the following coverages at minimum amounts:

$25,000 for bodily injury liability insurance, per person per accident
$50,000 for bodily injury liability insurance, total per accident
$20,000 for property damage liability per accident

Illinois state law also requires drivers to carry uninsured/underinsured motorist car insurance coverage at $25,000 per person and $50,000 per accident.

male driver happily protected by AARP Car Insurance in Illinois

How Much Is Car Insurance in Illinois?

In Illinois, The Hartford's customers pay an average of $1,499 a year, or about $125 a month, for auto insurance.^‡‡‡ Some factors that go into calculating your auto insurance premium are your:

Driving history
Vehicle type
Deductible amounts
Discounts applied

Car insurance rates are complex, so you may pay more or less than the average in your state. To learn more and get your personal AARP member price, call The Hartford at 888-546-9099 or get a quote online.

Car Insurance Discounts for Illinois Drivers

AARP Auto Insurance from The Hartford offers these car insurance discounts for Illinois drivers:

Bundle your home and auto insurance, car and renters insurance or auto and condo insurance for an average savings of $963.**
Save 8% just by starting your auto insurance quote online.
Get a discount of up to 10% for paying your AARP car insurance bill from The Hartford on time.
Take advantage of a 5% defensive driving discount by taking an approved defensive driver course, like the AARP Driver Safety Course.
With The Hartford’s TrueLane Program, you can save up to 15% just for participating and earn a renewal discount of up to 40%, depending on your driving habits.^
If you pay your bill in full instead of making monthly payments, you’ll be eligible to receive extra discounts.

It also pays to drive safe. Having a clean driving record can help lower your insurance costs in numerous ways. For example, you could unlock a discount of up to 10% by maintaining a clean driving record for five straight years with The Hartford.

Car Insurance Benefits From The Hartford

With The Hartford, car insurance in Illinois comes with the option to easily extend your financial protection. These optional coverages and benefits include:

New Car Replacement Coverage

If you total your new car, we’ll pay to replace it with a new car of the same make and model without subtracting anything for depreciation.^§§

RecoverCare^§ Coverage

This benefit helps pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.

Lifetime Car Repair Assurance

Get access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.

Disappearing Deductible

This optional benefit reduces your collision deductible on your auto policy over time as long as you’re a safe driver and maintain a clean driving record.^‡

Rental Car Reimbursement Coverage

Also called transportation expense coverage, this benefit helps pay for a rental car while your vehicle is in the shop after an accident.

Accident Forgiveness

This benefit excuses your first accident if you need to file a car insurance claim, as long as all drivers on your policy have a clean driving record and are accident-free for five straight years with The Hartford.^‡

drivers feel secure being protected by illinois car insurance

Proof of Car Insurance in Illinois

Illinois state law requires you to keep a copy of your car insurance ID card in your car so you can quickly provide it if ever needed.

In Illinois, you can also simply show your proof of car insurance electronically. And with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit Google Play™ or the App Store.™

Staying Safe on Illinois Roads

As you travel through Illinois, there are several safe driving laws meant to protect you on the road, including:³

Illinois Seat Belt Laws

Illinois is one of 34 states that have a primary seat belt law. This means that police can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.

Illinois Distracted Driving Laws

Illinois has discouraged distracted driving with laws that:

Ban hand-held cell phones for all drivers.
Forbid new drivers from using hand-held or hands-free cell phones while driving.
Ban texting while driving.

Illinois Teen Driver Laws

Getting a driver's license is a rite of passage for teenagers. To keep these young drivers safe while they learn, Illinois has licensing laws that ensure teenagers gain the experience and maturity that's required to be safe behind the wheel. These laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.

female customer pleased with getting car Insurance coverage in illinois online

Get a Car Insurance Quote in Illinois

When it comes to car insurance in Illinois, The Hartford offers something for everyone. Drivers can enjoy stackable discounts, savings and exclusive benefits for AARP members, plus customizable coverage options to meet the unique needs of experienced drivers. If you’re not an AARP member, don’t worry. We can help you sign up. Call The Hartford today at 888-546-9099 or get a quote online in minutes.

What The Hartford’s Customers in Illinois Are Saying

“Having an auto accident can be a challenging time. The Hartford went above and beyond to make my claim a smooth process.”

Ruby, from Chicago, Illinois

“They were professional and took care of my needs right away.”

Kenycha, from Chicago, Illinois

“I learned a lot about having The Hartford auto insurance. It was one of my [least] stressful situations. Every step was made in a professional way.”

Theresa, from Chicago, Illinois

“The Hartford responded immediately to my claim with complete explanations both online and in a phone conversation.”

Judy, from Livingston, Illinois

“Very friendly people to deal with. … The Hartford really does care about their customers, and it really shows.”

Steve, from Camp Point, Illinois

“Easy to contact. … Would recommend to friends.”

Richard, from Evanston, Illinois

Frequently Asked Questions About Illinois Auto Insurance

Does Illinois Require Auto Insurance?

Yes, car insurance in Illinois is required for these coverages at minimum amounts:

$25,000 for bodily injury liability insurance, per person per accident
$50,000 for bodily injury liability insurance, total per accident
$20,000 for property damage liability per accident

Illinois state law also requires drivers to carry uninsured/underinsured motorist car insurance coverage at $25,000 per person and $50,000 per accident.

Is It Illegal To Not Have Car Insurance in Illinois?

Yes, it’s illegal to drive without car insurance in Illinois.

Does Insurance Follow the Car or the Driver in Illinois?

In Illinois, auto insurance usually follows the car. This includes coverages like your collision and comprehensive insurance as well as liability coverages. However, a robust car insurance policy offers financial protection not just for your car, but also for you, your passengers or anyone else injured in an accident.

Do I Have To List All Drivers on My Insurance?

Yes, in most cases you do need to list all drivers on your policy. However, you can always call your insurance company to find out exactly who you need to include.

Car Insurance Quote Comparison

AARP Benefits and Discounts

Auto Insurance FAQs

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Last Updated: January 28, 2026

² Medical benefits are calculated on the basis of usual, customary and reasonable charges.

³ Governors Highway Safety Association (GHSA), “State Laws and Issues.”

^ Not available in all states, terms and conditions apply.

^† Average annual savings are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences from AARP members and non-members vary by state and AARP membership tenure.

** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.