ILLINOIS INSURANCE
Illinois insurance prices and coverage options, with the rules, risks and next steps made clearer.
Illinois has insurance requirements, verification rules and property risks that are worth understanding before you start. Get the important state-specific context, choose the coverage path that fits your situation, and begin one organized insurance request when you are ready.
- Free to start
- One organized request
- Licensed review where available
WHY ILLINOIS IS DIFFERENT
A few Illinois insurance rules deserve attention before you start.
Illinois insurance is more than a minimum liability number.
Required auto protection
Illinois requires liability insurance and uninsured-motorist bodily-injury protection.
Electronic insurance verification
Illinois electronically checks registered vehicles for required liability coverage at least twice each year.
Property risks outside basic coverage
Flood, earthquake and mine-subsidence damage are not part of basic Illinois homeowners coverage.
Insurance rules are changing
New auto-rate protections begin in 2027, and Illinois is also changing its mine-subsidence coverage rules.
You do not need to master every rule before asking for insurance help. You need enough context to know what questions matter and a clear way to organize the information needed for the next step.
CHOOSE YOUR COVERAGE
Start with the insurance need you actually have.
Ensurance provides guided request paths for auto, home, renters, business, life and health insurance.
Auto Insurance
Organize information about your vehicles, drivers, current coverage, timing and insurance needs.
Start Illinois auto requestHome Insurance
Start with information about your property, current insurance and the homeowners coverage you are exploring.
Start home requestRenters Insurance
Organize information about your rented home, belongings and coverage needs.
Start renters requestBusiness Insurance
Share information about your Illinois business, operations, employees and the coverage you are exploring.
Start business requestLife Insurance
Begin with the people you want to protect and the basic information needed for licensed review.
Start life requestHealth Insurance
Start a guided health request where supported and understand the role of Illinois’s official ACA marketplace when appropriate.
Start health requestILLINOIS AUTO INSURANCE
Start with Illinois’s required auto protection.
Minimum liability is only part of the Illinois auto insurance picture.
UNINSURED MOTORISTS
Illinois also requires 25 / 50 UM protection.
Illinois requires at least $25,000 per person and $50,000 per accident in uninsured-motorist bodily-injury coverage.
UNDERINSURED MOTORISTS
UIM requirements depend on the UM limits you purchase.
Illinois requires underinsured-motorist bodily-injury coverage when uninsured-motorist bodily-injury limits exceed the statutory minimum.
PHYSICAL DAMAGE
Collision and comprehensive are not state-mandated.
Illinois law does not require physical-damage coverage, although a lender or lessor may require it under your agreement.
ILLINOIS INSURANCE VERIFICATION
Illinois checks vehicle insurance electronically.
Registered vehicles must comply with Illinois’s mandatory liability-insurance law. The Secretary of State electronically verifies each vehicle’s liability policy at least twice each year.
For most insured vehicle owners, verification happens electronically without routine manual proof.
Review Illinois mandatory insurance informationWHEN STANDARD AUTO COVERAGE IS HARD TO FIND
Illinois has a residual auto insurance path.
The Illinois Automobile Insurance Plan provides a mechanism for qualifying applicants who cannot obtain automobile insurance through the ordinary voluntary market.
The Illinois Automobile Insurance Plan has its own eligibility requirements and qualification process. Ensurance helps shoppers organize their insurance request and find the appropriate next step where available.
Review Illinois Automobile Insurance Plan informationILLINOIS HOME & PROPERTY INSURANCE
Three property risks deserve a separate look.
Illinois Department of Insurance guidance identifies flood, earthquake and mine subsidence as risks that are not covered by a basic homeowners policy.
Flood
Basic homeowners insurance does not cover flood damage. Flood protection requires a separate coverage path.
Illinois flood insurance informationEarthquake
Basic homeowners insurance does not automatically cover earthquake damage. Separate protection may be available.
Review Illinois disaster guidanceMine subsidence
Illinois has a dedicated statutory insurance system for property damage caused by underground mine movement.
Understand Illinois mine-subsidence coverageAN ILLINOIS-SPECIFIC PROPERTY ISSUE
Mine subsidence can turn underground history into a property risk.
Mine subsidence occurs when underground mine workings shift or collapse in a way that causes ground movement and property damage.
Illinois created a statutory mine-subsidence insurance framework and the Illinois Mine Subsidence Insurance Fund to help support covered property losses associated with this risk.
Visit Illinois Mine Subsidence Insurance FundIS COVERAGE AVAILABLE?
Yes.
Illinois property insurers must make mine-subsidence coverage available. In 34 historically mined counties, the Fund says coverage is included in residential and commercial property policies unless rejected in writing.
LOCATION MATTERS
Do not assume every Illinois property is treated the same.
Mining history and statutory treatment vary by location. Central and southern Illinois contain many historically mined areas, although other parts of the state may also be affected.
JANUARY 1, 2027 CHANGE
Mine-subsidence deductibles are changing.
For policies issued or renewed on or after January 1, 2027, Illinois law provides that no deductible or retention will apply to mine-subsidence damage under the affected statutory coverage.
Review the Illinois legislationILLINOIS FAIR PLAN
What if normal property coverage is unavailable?
The Illinois FAIR Plan Association provides basic property insurance for qualified applicants who cannot obtain insurance through the standard market for reasons beyond their control.
Illinois Department of Insurance guidance says qualification generally requires three unsuccessful attempts to buy property insurance and compliance with basic fire, loss-prevention and safety standards.
Visit Illinois FAIR PlanOTHER ILLINOIS INSURANCE NEEDS
Different coverage brings different questions.
RENTERS
Protect the property that belongs to you.
Renters insurance can provide protection for personal belongings, liability and other covered losses depending on the policy. Flood and earthquake remain separate coverage considerations.
Start renters requestBUSINESS
Workers’ compensation is an important Illinois requirement.
Illinois law requires workers’ compensation insurance for almost everyone whose employment is localized in Illinois, although specific exemptions apply.
Start business request Illinois workers’ compensation informationHEALTH
Illinois now operates its own ACA marketplace.
Get Covered Illinois is Illinois’s official state-based Affordable Care Act marketplace. Consumers seeking ACA marketplace enrollment should understand its role before choosing a coverage path.
Start health request Visit Get Covered IllinoisLIFE
Start with the people you want to protect.
Life insurance needs depend more on your household, financial obligations and protection goals than on Illinois geography. Start with the basic information needed for licensed review.
Start life requestHOW ENSURANCE WORKS IN ILLINOIS
Start with the insurance need, not a list of agents.
Ensurance organizes the request first so the next insurance conversation can begin with clearer context.
CHOOSE
Tell us what you need.
Start with auto, home, renters, business, life or health insurance.
ORGANIZE
Answer guided questions.
Your relevant details stay together in one organized request.
LICENSED REVIEW
Review happens where available.
Licensed agents, agencies or approved insurance partners may review your request where appropriate.
NEXT STEP
Move forward with more clarity.
Where coverage and eligibility allow, move toward available quote options or another clearer next step.
Ensurance organizes the request. Licensed insurance professionals and insurance carriers remain responsible for individualized insurance advice, coverage recommendations, eligibility, underwriting, pricing, quotes and policy placement.
ILLINOIS INSURANCE FAQ
Clear answers to common Illinois insurance questions.
These answers provide general information. Actual policy terms, eligibility, pricing and available coverage depend on individual circumstances, the insurer and licensed review.
What auto insurance does Illinois require?
Illinois currently requires minimum liability coverage of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people and $20,000 for property damage. Illinois also requires at least $25,000/$50,000 in uninsured-motorist bodily-injury protection.
What does 25/50/20 mean in Illinois?
It means $25,000 of bodily-injury liability for one person, $50,000 for bodily injuries involving two or more people in one accident and $20,000 for property damage.
Does Illinois require uninsured-motorist coverage?
Yes. Illinois currently requires at least $25,000 per person and $50,000 per accident in uninsured-motorist bodily-injury coverage.
Does Illinois require underinsured-motorist coverage?
It depends on the uninsured-motorist limits purchased. Illinois requires underinsured-motorist bodily-injury coverage when uninsured-motorist bodily-injury limits exceed the statutory minimum.
Does Illinois require collision and comprehensive insurance?
No. Illinois law does not require collision or comprehensive coverage, although lenders and lessors may require physical-damage coverage under financing or lease agreements.
Does Illinois check whether my vehicle is insured?
Yes. Illinois uses electronic liability-insurance verification. The Secretary of State says each registered vehicle’s liability policy is verified at least twice each year.
What changes for Illinois auto insurance in 2027?
Beginning July 1, 2027, new Illinois automobile-rate provisions apply to covered filings and renewal notices. They include expanded rate-review authority and at least 30 days’ advance notice before certain renewal premium increases greater than 10 percent.
Does Illinois homeowners insurance cover flooding?
No. Basic Illinois homeowners insurance does not cover flood damage. Flood insurance requires a separate coverage path.
Does Illinois homeowners insurance automatically cover earthquakes?
No. Basic homeowners insurance does not automatically cover earthquake damage.
What is mine-subsidence insurance?
Mine-subsidence insurance addresses qualifying property damage resulting from movement or collapse of underground mine workings. Illinois has a statutory mine-subsidence insurance framework and a dedicated insurance fund.
Is mine-subsidence insurance required everywhere in Illinois?
Treatment depends on location and current statutory rules. In 34 historically mined counties, the Illinois Mine Subsidence Insurance Fund says coverage is included in residential and commercial property policies unless rejected in writing. Illinois property insurers must make the coverage available more broadly.
What changes with Illinois mine-subsidence insurance in 2027?
For policies issued or renewed on or after January 1, 2027, Illinois law provides that no deductible or retention will apply to mine-subsidence damage under the affected statutory coverage.
What is the Illinois FAIR Plan?
The Illinois FAIR Plan is a residual property-insurance mechanism for qualified applicants who cannot obtain coverage through the standard market.
Does Illinois require workers’ compensation insurance?
Illinois law requires workers’ compensation insurance for almost everyone whose employment is localized in Illinois, although specific exemptions apply.
What is Get Covered Illinois?
Get Covered Illinois is Illinois’s official state-based Affordable Care Act health insurance marketplace.
Does Ensurance instantly compare Illinois insurance prices?
Ensurance uses one guided request to organize the details and move the shopper toward licensed review and available quote options where appropriate, giving the process a clearer starting point than a disconnected price grid.
Will my request be posted to a long list of agents?
Ensurance uses a controlled request process. Protected requests follow the applicable controlled-access workflow toward eligible licensed review where available. The Privacy Policy provides the formal details about how information may be used or shared.
Is an Illinois insurance quote guaranteed?
No. Quote availability depends on factors including location, coverage type, eligibility, carrier participation and licensed review.
OFFICIAL ILLINOIS RESOURCES
Verify important Illinois insurance information at the source.
Insurance requirements, programs and future-effective laws can change. Use these official resources to confirm current information.
State insurance regulation and consumer information.
AUTO Illinois Auto InsuranceCoverage requirements, definitions and consumer auto resources.
VERIFICATION Illinois Mandatory InsuranceVehicle-registration and electronic liability-verification information.
PROPERTY Illinois FAIR PlanResidual property-insurance information for qualifying applicants.
MINE SUBSIDENCE Illinois Mine Subsidence Insurance FundCoverage, property-risk and mine-subsidence information.
BUSINESS Illinois Workers’ Compensation CommissionEmployer insurance requirements and workers’ compensation information.
HEALTH Get Covered IllinoisIllinois’s official state-based ACA health insurance marketplace.
Looking for insurance information in another state? Explore the Ensurance Insurance by State guide .
START WITH ONE REQUEST
Ready to start your Illinois auto insurance request?
Answer guided questions about your vehicle, drivers, current coverage and timing. Ensurance organizes the details so you can move toward licensed review and available quote options with a clearer next step.