Illinois Car Insurance

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Drivers – discover great savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 
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Drivers – discover great savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 
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Discover savings and benefits with the AARP® Homeowners Insurance Program from The Hartford.
 
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The right condo insurance. The right price. Made simple with the AARP® Homeowners Insurance Program from The Hartford.
 
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Car Insurance for Illinois Drivers

From the rich cultural scene of the Windy City to the historic sites of 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 want to be protected by car insurance that will be there when you need it. The AARP® Auto Insurance Program from The Hartford1 has been protecting Illinois AARP members and their families with car insurance since 1984.

If you’re shopping for car insurance and want to get a quote, the AARP Auto Insurance Program from The Hartford can help. Read on for more information about buying car insurance in the state of Illinois and the features and benefits offered by The Hartford. With a reputation for integrity and trust and high customer ratings for claims services, you can count on car insurance from The Hartford.
 

Car Insurance Benefits Offered to Illinois Drivers

Illinois drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
 
  • 12-month Rate Protection
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Illinois

Illinois state law requires liability car insurance at the following minimum limits:2
 
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $20,000 for property damage per accident

Proof of Car Insurance in Illinois

Illinois state law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. That’s why it’s a good idea to keep a copy of your ID card in the vehicle with your registration. For added convenience, Illinois is now among the states that will accept an electronic copy of your ID card. With The Hartford’s mobile app, you can store your ID card right on your mobile device. Visit the App Store™ or Google Play™ for more information.
 

Illinois Uninsured Driver Facts

According to a 2012 Insurance Research Council report, 13.3% of Illinois drivers are uninsured. This is slightly above the national average of 12.6%.3
 
Illinois state law requires drivers to carry uninsured/underinsured motorist car insurance coverage to help with medical bills after an accident caused by an uninsured driver or a driver who does not have adequate car insurance coverage. Your uninsured/underinsured motorist car insurance coverage must have the minimum coverage amounts of:2
 
  • $25,000 per person
  • $50,000 per accident

Additional Car Insurance Coverages Available to Illinois Drivers

For added protection, Illinois drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
 
  • Comprehensive
  • Collision
  • Roadside Assistance
  • Increased Rental Reimbursement
  • Medical Payments
  • Uninsured Motorist Property Damage (when Collision is not purchased)

Staying Safe on Illinois Roads

As you travel through Illinois, there are a number of safe driving laws meant to protect you on Illinois’s highways and byways. Here are just a few:4
 

Illinois Seat Belt Laws:

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

Illinois Distracted Driving Laws:

Illinois has a number of laws in place to discourage distracted driving:
 
  • Hand-held cell phones are banned for all drivers in the State of Illinois.
  • New drivers in Illinois are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the State of Illinois.

Illinois Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Illinois wants to be sure they stay safe in the process! Illinois has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
 
 
 
 
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
 
§§ Limitations apply.
 
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness is not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
 
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
 
Additional disclosures below.

The Hartford Center for Mature Market Excellence

Learn more from our experts about being safe on the road and at home.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.