Auto insurance that fits Illinois law and your budget.
We compare coverage from multiple insurance companies, explain every line in plain English, and make sure your policy meets Illinois requirements before you drive away.
- Multiple carriers, one conversation
- SR-22 filings with the Secretary of State
- Same-day ID cards once bound
Start your Illinois auto quote
Enter your ZIP code. A licensed agent reviews every request. No obligation.
We currently quote vehicles garaged in Illinois (ZIP codes 600xx–629xx).
Every coverage an Illinois driver needs, explained
Illinois requires liability and uninsured motorist coverage. Most drivers need more than the minimum. We'll show you exactly what each option costs so you can decide.
Liability coverage
Pays for injuries and property damage you cause to others. Required in Illinois at 25/50/20 or higher.
Learn moreUninsured & underinsured motorist
Protects you and your passengers when the at-fault driver has no insurance, or not enough. Required in Illinois.
Learn moreCollision & comprehensive
Repairs or replaces your own car after a crash, theft, hail, flood or vandalism. Usually required on financed and leased vehicles.
Learn moreSR-22 insurance
Need to prove financial responsibility after a suspension, DUI or uninsured crash? We file the SR-22 with the Illinois Secretary of State.
Learn moreRideshare & delivery
Drive for Uber, Lyft, DoorDash or Instacart? A personal policy alone leaves gaps. Close them with a rideshare endorsement.
Learn moreMedical, rental & roadside
Medical payments, rental reimbursement and towing keep a bad day from becoming an expensive week.
Learn moreThe minimum coverage every Illinois driver must carry
Under the Illinois Vehicle Code (625 ILCS 5/7-601 and 5/7-203) and the Illinois Insurance Code (215 ILCS 5/143a), every vehicle driven on Illinois roads must carry at least:
- Bodily injury liability of $25,000 per person and $50,000 per accident
- Property damage liability of $20,000 per accident
- Uninsured motorist bodily injury of $25,000 per person and $50,000 per accident
Driving uninsured can mean fines starting at $500, a suspended license plate registration and reinstatement fees. Illinois checks insurance electronically through the Illinois Insurance Verification Program.
Read the full Illinois guideCovered in three simple steps
Tell us about your drivers and vehicles
Online, by phone, or at a partner office near you. Have your driver's licenses and VINs handy.
Compare Illinois-compliant options
See the state minimum next to stronger packages, with each coverage priced line by line.
Sign, pay and drive
Choose a plan, sign your application, pay your down payment, and get Illinois ID cards once the carrier binds.
Become a Lakeshore reseller partner
Licensed Illinois producers can quote, sell and service auto policies through our secure partner portal. You get real-time Illinois-compliant quotes, printable proposals and applications, and policy documents.
- Driver and vehicle entry with built-in Illinois rule checks
- Side-by-side package comparison and payment plans
- You collect payment on your own POS. We handle carrier binding
- Commission tracking on every bound policy
Straight answers, not sales pressure
Conversation
We shop multiple carriers so you don't have to repeat yourself.
Surprises
Every coverage, fee and payment is itemized before you sign.
SR-22 support
We keep your filing active and remind you before anything lapses.
Focused
Illinois rules, Illinois carriers, Illinois drivers. That's all we do.
Illinois auto insurance FAQ
Is the Illinois minimum enough coverage?
It is legal, but often not enough. A serious crash can easily cost more than $25,000 per injured person, and you can be personally responsible for the rest. Illinois uses modified comparative fault, so you can be held responsible for damages in proportion to your share of fault. Most of our clients choose at least 100/300/50.
What is an SR-22 and how long do I need one in Illinois?
An SR-22 is a certificate your insurance company files with the Illinois Secretary of State proving you carry the required liability coverage. It is commonly required after a DUI, driving uninsured, or certain suspensions, and generally must be kept for three years. If the policy lapses, the insurer must notify the state.
Can I show proof of insurance on my phone?
Yes. Illinois accepts electronic proof of insurance on a phone or other device, as well as the paper Illinois insurance identification card.
Do I need special coverage to drive for Uber or Lyft in Chicago?
Usually, yes. The Illinois Transportation Network Providers Act sets insurance requirements for rideshare driving, and most personal auto policies exclude it. A rideshare endorsement fills the gap while the app is on and you are waiting for a request.
Ready to compare Illinois auto rates?
It takes a few minutes, and a licensed agent reviews every quote request.