Illinois drivers, you’ve got places to be.
Good news! You can get car insurance in Illinois, from Lemonade. That means you can drive with confidence knowing you’re covered— whether you’re cruising down Lake Shore Drive, or heading to game day in Champaign.
Lemonade Car offers top-of-the-line coverage and trunkloads of discounts, all while doing our best to make the road (and the world around us) a better place.
Read below to get the full scoop on the coverages offered and required in Illinois, or you can just go ahead and apply with Lemonade Car. It’s fast, easy, and it’s even kind of fun!
Required car insurance coverages in Illinois
To drive in compliance with Illinois car insurance requirements, at a minimum, Illinois drivers need the following coverages and coverage amounts.
| Required minimum coverages for Illinois drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $25,000/$50,000 |
| Property damage liability coverage | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000/$50,000 |
Additional coverages available to Illinois drivers
Illinois drivers who drive with Lemonade can (and probably should) add the following coverages to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? | What are the coverage options? |
|---|---|---|
| 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). | Available deductibles: $250, $500, $1,000, $2,000 |
| Comprehensive 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). | Available deductibles: $250, $500, $1,000, $2,000 |
| Medical 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. | Available deductibles: $1,000, $2,000, $5,000, $10,000 |
| Uninsured/underinsured motorist property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. | Available options: $15,000, $25,000 Deductible: $250 |
| Temporary 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. | Available options: $40 daily limit, $50 daily limit, $60 daily limit |
| Roadside Assistance | Provides help for common roadside issues such as flat tires, dead batteries, or towing needs. It ensures you’re not stranded due to minor vehicle problems. | Three times per vehicle, within a six-month period. |
How much is car insurance in Illinois?
The cost of car insurance can vary based on several factors—including your driving history and the type of coverage you select.
Whether you choose to purchase the minimum liability limits required by law or opt for a “full coverage” policy, which typically includes liability insurance plus collision and comprehensive coverage, can significantly impact your premium rates.
Here’s a breakdown of average car insurance costs in Illinois:
- Liability-only insurance: Approximately $71 per month (7% more than the national average)*
- Full coverage insurance: Approximately $176 per month (10% more than the national average)*
These averages provide a general idea of what to expect, but your actual costs might differ. For a more precise estimate, getting a free quote and comparing rates from various car insurance companies is a good step.
Plus, taking advantage of discounts for safe driving or bundling policies such as your homeowners, renters, or pet insurance policies can help reduce your overall car insurance expenses.
So, what’s the best car insurance in Illinois?
We might be biased, but Lemonade Car was designed to really shine for low-mileage, safe, and environmentally conscious drivers. That’s why we give discounts to EV and hybrid drivers and offer special coverages for charging units.
What’s more, Lemonade drivers get to assist in global reforestation efforts from behind the wheel. How? Well, when you drive with the Lemonade app, we’ll track your mileage and plant trees to help clean up the carbon generated from your car.
So what about low-mileage drivers? We price your policy based on how you drive and how much you drive—so the less you drive, the more you save. Pretty simple.
Before we go…
Illinois drivers, we’re excited for you to take Lemonade Car for a spin (we just hope you don’t get stuck in rush hour traffic.)
If you’re looking to dive deeper into Lemonade car insurance, go ahead and…
- Learn how location-based technology is changing Lemonade’s coverage game
- Get the basics and beyond of how much car insurance you need
- Take a closer look at exactly what makes Lemonade Car different
- Check out our other insurance products like renters, homeowners, pet, and life
Happy driving!
FAQs
Are there any special insurance considerations for driving in rural Illinois areas?
In rural Illinois, you may face different risks such as wildlife collisions. Comprehensive coverage can help protect against damages from such incidents—like if you hit a deer late at night. It’s wise to adjust your policy based on your specific driving environment.
How does Lemonade Car support drivers affected by Illinois weather events?
Lemonade Car provides coverage for damages from severe weather events such as tornadoes and hailstorms under comprehensive insurance. It’s a good idea to consider including comprehensive insurance coverage on your policy to stay protected against Illinois’ unpredictable weather.
Why is car insurance in Illinois so expensive?
Insurance in Illinois can be more expensive than the national average due to factors like high population density, urban traffic congestion, and increased risk of accidents and theft, especially in major cities like Chicago.
What are Illinois' minimum car insurance requirements?
In Illinois, the minimum car insurance requirements are $25,000 per person and $50,000 per accident for bodily injury liability, and $20,000 for property damage liability. Additionally, drivers must have $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury coverage.
What happens if I don’t have the minimum coverage required by Illinois?
If you drive without the minimum coverage required by Illinois, you could face legal penalties, including fines, vehicle registration suspension, and even license suspension. Additionally, if you’re involved in an accident without proper insurance, you could be held personally responsible for all damages and medical expenses.
*Average costs sourced from ValuePenguin.
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.
