Coverages and service in the Land of Lincoln

Illinois ranks third in the U.S. for miles of roadway, behind only Texas and California. If you're one of the nearly 10 million licensed drivers living in the Prairie State, USAA offers a combination of coverages and service to keep you roaming. Whether you're wandering through the Windy City, finding your way to Fort Dearborn or navigating to Naval Station Great Lakes, we can be there for you.

The average cost of car insurance in Illinois

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

See note$158 See noteper month

The average monthly cost for all USAA auto policies issued in Illinois in 2023.See note1

Get up to 30% off your premium for being a safe driver.See note2

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Illinois coverage requirements and minimums

As of Jan. 1, 2024, USAA offers a variety of required and optional coverages for Illinois drivers.

Illinois coverage requirements and minimums
Coverage Description Illinois Requirement
Bodily injury liability per person This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault. Minimum coverage requirement: $25,000 limit per person
Bodily injury liability per accident This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault. Minimum coverage requirement: $50,000 limit per accident
Property damage liability This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault. Minimum coverage requirement: $20,000 limit per accident
Uninsured motorist bodily injury This helps cover costs for injuries or deaths if you're in an accident caused by a driver who doesn't have insurance.

Minimum coverage requirement:
$25,000 limit per person
$50,000 limit per accident

Underinsured motorist bodily injury This helps cover your expenses if you're in an accident caused by a driver who doesn't have enough insurance. Required without the right of rejection at the same limits as your uninsured motorist bodily injury coverage when your limits are above 25/50
Uninsured motorist property damage coverage, or UMPD This helps pay the actual cash value of the vehicle up to the corresponding UMPD limit when your insured vehicle is damaged by an uninsured motorist. Optional
Medical payments This helps cover medical expenses if you or your passengers are injured in an accident. Optional
Collision This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving. May be required if you're making payments to a lender or leasing company.
Comprehensive This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events. May be required if you're making payments to a lender or leasing company
Rental reimbursementSee note See Note See note3 This helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss. Optional
Bodily injury liability per person

Description

This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

Illinois Requirement

Minimum coverage requirement: $25,000 limit per person

Bodily injury liability per accident

Description

This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

Illinois Requirement

Minimum coverage requirement: $50,000 limit per accident

Property damage liability

Description

This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault.

Illinois Requirement

Minimum coverage requirement: $20,000 limit per accident

Uninsured motorist bodily injury

Description

This helps cover costs for injuries or deaths if you're in an accident caused by a driver who doesn't have insurance.

Illinois Requirement

Minimum coverage requirement:
$25,000 limit per person
$50,000 limit per accident

Underinsured motorist bodily injury

Description

This helps cover your expenses if you're in an accident caused by a driver who doesn't have enough insurance.

Illinois Requirement

Required without the right of rejection at the same limits as your uninsured motorist bodily injury coverage when your limits are above 25/50.

Uninsured motorist property damage coverage, or UMPD

Description

This helps pay the actual cash value of the vehicle up to the corresponding UMPD limit when your insured vehicle is damaged by an uninsured motorist.

Illinois Requirement

Optional

Medical payments

Description

This helps cover medical expenses if you or your passengers are injured in an accident.

Illinois Requirement

Optional

Collision

Description

This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving.

Illinois Requirement

May be required if you're making payments to a lender or leasing company.

Comprehensive

Description

This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events.

Illinois Requirement

May be required if you're making payments to a lender or leasing company.

Rental reimbursementSee note See Note See note3

Description

This helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss.

Illinois Requirement

Optional

Some drivers choose to have higher limits and carry additional coverages for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.

Did you know?

You can save up to 10% on your premium when you bundle your auto policy with homeowners or renters insurance.See note See Note See note4

Reasons to choose USAA Auto Insurance in Illinois

  • Members Saved $725

    A countrywide survey showed that our members saved an average of $725 per year when they switched to USAA Auto Insurance.See note See Note See note5

  • Exceptional Service and Claims

    We're available 24/7 online for policy updates and claims through usaa.com and our mobile app.

You may qualify for discounts and savings.

  • Good Student Discount

    Get a discount if your full-time student driver maintains good grades.See note See Note See note6

  • Military On-Base Discount

    Save up to 15% on your auto premium when you garage your car on base.See note See Note See note7

  • Annual Mileage and Storage Discount

    Get a discount if you don't drive much per yearSee note See Note See note6, and if you put your car in storage.See note8

  • Automatic Payments Discount

    Save up to 3% on your auto premium when you set up automatic payments.See note See Note See note9

  • Early Quote Discount

    Save up to 3% on your auto premium when you buy a policy seven or more days before the start date.See note See Note See note6

  • New Vehicle Discount

    Get a discount on your auto premium if your vehicle isn't more than 3 years old.See note See Note See note10

Who can get USAA Auto Insurance?

When you join USAA, you become part of a family who stands by you during every stage of your life. Our family includes:

  • U.S. military members and veterans
  • Pre-Commissioned officers
  • Spouses and children of USAA members