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Chicago Auto Insurance

Chicago traffic and vehicles
Chicago Driver Protection

Reliable Auto Insurance for Chicago Drivers

From State Minimums (Liability) to Full Coverage and SR-22s—protection tailored for the Windy City's roads.

Navigating Chicago Roads

Chicago Driving Risks

Chicago drivers face unique challenges—from I-90/94 congestion and aggressive traffic to pothole-riddled streets and higher theft rates in certain zip codes. Your vehicle is essential to your daily life, and MC Chicago Insurance understands these neighborhood-specific risks.

We compare top-rated carriers to ensure you get the right coverage at competitive rates.

Auto Coverage Essentials

  • Bodily Injury Liability (Mandatory)
  • Property Damage Liability (Mandatory)
  • Uninsured Motorist (Mandatory in IL)
  • Collision (Your Car)
  • Comprehensive (Theft/Vandalism)
  • Medical Payments
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Choose Your Level of Protection

Liability Only

Meets Illinois mandatory minimum (25/50/20) to stay legal on the road. This is the most affordable option—it covers damage you cause to others but not your own vehicle.

Full Coverage

Adds Collision & Comprehensive to your liability. Required if you have a loan or lease. Protects your car from accidents, theft, vandalism, and weather damage—not just the other driver's.

SR-22 & High Risk

For drivers with a suspended license, DUI, or lapse in coverage. We file the SR-22 form instantly with the Illinois Secretary of State so you can get back on the road legally.

Personal Auto Policy

Family driving in Chicago

Coverage for Families & Daily Commuters

Whether you're commuting downtown, driving the kids to school, or navigating Lake Shore Drive, your personal auto policy is your first line of defense. We tailor coverage to your driving habits and vehicle value.

Bundle & Save
Combine Auto + Home for up to 20% savings.
Liability Protection
Covers injuries and damage you cause to others.
Collision Coverage
Repairs your car after an accident, regardless of fault.
Comprehensive
Covers theft, vandalism, weather, and animal strikes.

SR-22 & High Risk Drivers

What is an SR-22?

An SR-22 is not insurance—it's a certificate proving to the Illinois Secretary of State that you carry the required liability coverage. It's typically required after a DUI, driving without insurance, or multiple traffic violations.

We Help With

  • License Reinstatement: Get back on the road after suspension.
  • DUI/DWI Cases: Affordable policies despite your record.
  • Lapsed Coverage: No prior insurance? We can help.
  • Instant Filing: We submit your SR-22 electronically the same day.

SR-22 Timeline

Duration: Illinois typically requires SR-22 filing for 3 consecutive years of continuous coverage. Any lapse restarts the clock.

Cost Impact: While SR-22 itself is just a filing fee, your premiums will be higher due to your driving record. As an independent agency, we shop multiple high-risk carriers to find you the best rate.

Rideshare & Delivery Coverage

Coverage Solutions

  • Rideshare Endorsement
  • Gap Coverage (App-On Period)
  • Delivery Driver Protection
  • Liability Extension

Who Needs This?

Uber/Lyft Drivers: Fill the coverage gap between personal and TNC insurance.

DoorDash/Instacart: Food and grocery delivery apps have similar exclusions. A rideshare endorsement keeps you protected.

Illinois Minimum Liability Requirements

The 25/50/20 Rule

Illinois law requires all drivers to carry minimum liability insurance. Here's what the numbers mean:

$25,000 – Injury/Death (1 Person) $50,000 – Injury/Death (2+ People) $20,000 – Property Damage

Plus: Illinois also mandates Uninsured Motorist (UM) coverage at 25/50 limits to protect you if hit by an uninsured driver.

Why Minimums May Not Be Enough

  • Medical bills often exceed $25,000
  • New cars cost more than $20,000 to replace
  • You're personally liable for the difference
  • Higher limits cost only slightly more

Specialty Auto Coverage

Classic & Collector

Agreed-value policies for vintage vehicles that appreciate over time.

Motorcycle & RV

Seasonal coverage options and accessory protection for recreational vehicles.

Commercial Auto

Coverage for business vehicles, work trucks, and company fleets.

Common Questions

Illinois requires 25/50/20 liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage. Additionally, Uninsured Motorist (UM) coverage at 25/50 limits is mandatory to protect you from uninsured drivers.

Only if you have Comprehensive coverage. Liability-only policies do not cover theft, vandalism, or damage to your own vehicle. Given Chicago's vehicle theft rates, we strongly recommend adding Comprehensive coverage to protect your investment.

Typically 3 years of continuous coverage. Any lapse in your policy—even for one day—can restart the 3-year requirement. We help you maintain continuous coverage and file instantly when you're ready to reinstate your license.

Only if you have a loan or lease—your lender will require Collision and Comprehensive coverage to protect their investment. However, we highly recommend Full Coverage for all Chicago drivers due to the city's high accident rates, pothole damage, and vehicle theft statistics.

Uninsured Motorist (UM) coverage protects you if you're hit by a driver who has no insurance or not enough insurance. It's mandatory in Illinois at 25/50 limits. Given that an estimated 1 in 7 drivers is uninsured, this coverage is essential.

No, standard personal auto policies exclude commercial or rideshare use. While Uber and Lyft provide coverage when a passenger is in your car, there's a dangerous gap when your app is on but you're waiting for a ride. You need a Rideshare Endorsement to close this gap.

Bundle auto with home insurance, raise your deductible, maintain a clean driving record, take a defensive driving course, or ask about low-mileage discounts. As an independent agency, we shop 20+ carriers to find the best combination of coverage and price for your situation.

Illinois can suspend your registration and driver's license for driving without insurance. You may face reinstatement fees, higher premiums, and potentially need an SR-22 filing. If you have a lapse, contact us immediately—we can help you get reinstated quickly.

If you have Full Coverage (Collision and Comprehensive), your policy typically extends to rental cars. However, we recommend reviewing your specific policy limits before declining the rental company's coverage. We can clarify exactly what's covered before your next trip.

Teen drivers significantly increase premiums, but there are ways to save. Good student discounts, driver's education credits, and assigning them to your lowest-value vehicle can help. Contact us before they get their license so we can find the most cost-effective approach.

Protect Your Chicago Commute

We compare rates from 20+ A-rated carriers to find your best auto insurance value.

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Serving Chicago from 3945 W Devon Avenue