Car Insurance in Des Plaines, IL
Not every Des Plaines driver has the same habits on the 294. The careful ones, the smooth brakers, the ones who keep their phone face down and their eyes on the road?
Lemonade notices. And prices you accordingly.
How much does car insurance cost in Des Plaines?
The average estimated cost of Lemonade car insurance in Des Plaines ranges from roughly $2,280 to $2,340 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Mount Prospect | $1,980 to $2,040 |
| Park Ridge | $1,380 to $1,440 |
| Glenview | $1,920 to $1,980 |
| Prospect Heights | $2,340 to $2,400 |
How can I get cheaper car insurance in Des Plaines?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Hybrid/EV discount
Got a hybrid or EV? We think that’s worth rewarding. You’ll get a lower rate, automatically.
What is the minimum car insurance
required in Des Plaines?
Every Des Plaines driver needs to carry a minimum level of coverage to legally drive.
Here’s exactly what the state requires.
| Required minimum coverages for Illinois drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
What additional car insurance coverages
does Lemonade offer in Des Plaines?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash- like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Des Plaines?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
What are Des Plaines drivers driving?
Next time you’re stuck on the 294 northbound toward O’Hare during rush hour, play along.
Here are the nine makes you’re most likely to spot on Des Plaines roads, according to our data.
Beyond Des Plaines: car insurance across Illinois
Des Plaines car insurance FAQs
What happens if you drive without insurance in Des Plaines?
Illinois requires all drivers to carry liability insurance, and getting caught without it can mean fines, a suspended license, and even having your car impounded. Reinstating your license after a lapse comes with fees and paperwork that add up fast. It’s one of those situations where skipping coverage ends up costing a lot more than the policy would have.
How does Des Plaines weather affect car insurance?
Winters in Des Plaines are no joke. Heavy snow, ice, and freezing temps create real risks for fender benders, sliding into curbs, and storm-related damage. Comprehensive and collision coverage can help cover repairs from winter weather incidents that liability alone won’t touch.
Is car insurance more expensive for younger drivers in Des Plaines?
It often is, but safe young drivers can pay less than their age alone might suggest. Building a clean driving record early is one of the most effective ways to keep rates from climbing. The habits you build in those first few years behind the wheel matter more than most people realize.
What coverage options go beyond Illinois's minimum requirements?
Illinois only requires basic liability coverage, which pays for damage you cause to others but not your own car. Adding collision, comprehensive, or medical payments coverage fills in a lot of those gaps. If you’re financing or leasing your car, your lender will likely require more than the state minimum anyway.
What should you do after a car accident in Des Plaines?
First, make sure everyone is safe and call 911 if there are injuries or significant damage. Exchange insurance and contact info with the other driver, and take photos of the scene, any damage, and the surrounding area. Then report the accident to your insurance company as soon as possible so the claims process can get started.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Sept 2025 through August 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in Illinois as of August 2026, based on Lemonade’s internal data. All figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Illinois drivers or the broader insurance market.
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