Frequently asked questions

It is legal, but it may not be enough. The minimum is $25,000 per person and $50,000 per accident for injuries you cause, and $20,000 for property damage. A serious crash can cost more than that, and you can be personally responsible for the rest. We'll price higher limits side by side so you can see the difference in cost.

It isn't an official term. People usually mean a policy with liability and uninsured motorist coverage plus collision and comprehensive, which pay to repair or replace your own car. Lenders and leasing companies require collision and comprehensive. See every coverage explained.

It can. In 2023 the Illinois Supreme Court held that policies can't limit uninsured motorist coverage to people inside an insured vehicle, so UM can cover you as a pedestrian or cyclist hit by an uninsured driver. Check your policy and tell your insurer promptly after any incident.

Usually not fully. Most personal auto policies exclude rideshare and delivery use, especially while the app is on and you're waiting for a request. A rideshare endorsement can fill that gap. Read our rideshare guide.

An SR-22 is a certificate of financial responsibility your insurance company files with the Illinois Secretary of State, confirming that you carry the required liability coverage. It's typically required after a DUI, a conviction for driving uninsured, a judgment suspension, an uninsured crash, or certain other suspensions. Read our SR-22 guide.

Generally 3 years. Your Secretary of State letter governs your exact dates. Confirm with the state before you cancel the policy or drop the filing.

Yes. A non-owner (named operator) SR-22 policy provides liability coverage when you drive a vehicle you don't own. It typically doesn't cover damage to the car you're driving, and it's generally not meant for a vehicle you have regular access to.

The insurer notifies the Secretary of State with an SR-26 cancellation notice, and your driving privileges can be suspended again. Keep payments current, and contact us right away if you're having trouble paying.

No. A quote is an estimate based on the information you provide. The final price is set when the insurance company underwrites your application, which can include checking your driving and claims records. Coverage isn't in force until the carrier binds the policy and we confirm it to you.

They are fees itemized on Illinois auto policies. We show them, and every other charge, on your proposal before you sign.

Only for limited reasons once the policy has been in force more than 60 days, such as nonpayment, suspension or revocation of a driver's license, or fraud, and the insurer must give advance written notice. If you receive a cancellation notice, contact us right away.

It can, depending on the insurer. Illinois law limits how insurers use credit information: credit can't be the only reason to decline or non-renew a policy, and you're entitled to a notice if credit information leads to an adverse decision.