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.
Coverage | Description | Illinois Requirement |
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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:
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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 |
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DescriptionThis helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault. |
Illinois RequirementMinimum coverage requirement: $25,000 limit per person |
Bodily injury liability per accident |
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DescriptionThis 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 RequirementMinimum coverage requirement: $50,000 limit per accident |
Property damage liability |
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DescriptionThis 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 RequirementMinimum coverage requirement: $20,000 limit per accident |
Uninsured motorist bodily injury |
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DescriptionThis helps cover costs for injuries or deaths if you're in an accident caused by a driver who doesn't have insurance. |
Illinois RequirementMinimum coverage requirement:
|
Underinsured motorist bodily injury |
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DescriptionThis helps cover your expenses if you're in an accident caused by a driver who doesn't have enough insurance. |
Illinois RequirementRequired 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 |
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DescriptionThis 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 RequirementOptional |
Medical payments |
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DescriptionThis helps cover medical expenses if you or your passengers are injured in an accident. |
Illinois RequirementOptional |
Collision |
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DescriptionThis helps pay to repair or replace your vehicle if it's damaged in an accident related to driving. |
Illinois RequirementMay be required if you're making payments to a lender or leasing company. |
Comprehensive |
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DescriptionThis helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events. |
Illinois RequirementMay be required if you're making payments to a lender or leasing company. |
Rental reimbursementSee note See Note See note3 |
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DescriptionThis helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss. |
Illinois RequirementOptional |
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
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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
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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.
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Good Student Discount
Get a discount if your full-time student driver maintains good grades.See note See Note See note6
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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
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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
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Automatic Payments Discount
Save up to 3% on your auto premium when you set up automatic payments.See note See Note See note9
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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
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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
Coverage for whatever moves you
Still have questions about car insurance?
We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)