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Mercury Car Insurance in Illinois

At Mercury, we're dedicated to bringing the best insurance coverage at the lowest possible price to the wonderful people of Illinois. Our dedicated agents are on a mission to help you save money. They will work with you to customize a protection plan that meets your specific needs at a great rate, no matter if you have a perfect driving record or a few blemishes. With agents stationed throughout Illinois, we're confident you can find a local agent who will provide you with excellent service. Contact us today for a free rate quote and start saving.

Illinois Auto Insurance Discounts & Benefits

Mercury already offers some of the lowest insurance rates available. Learn how you can save even more with the many discounts available, too!

About Illinois

In 1818, Illinois became the 21st state. Nicknamed “the Prairie State,” Illinois has very fertile soil, making it a top producer of corn, soybeans, and apples. In fact, three-fourths of the state is farmland. Although the majority of Illinois is rural, the state is home to one of the largest metropolitan cities in the country — Chicago. In the Windy City, there are tons of sites and attractions to see, including Navy Pier, Willis Tower, Millennium Park, The Art Institute of Chicago, and the Chicago Riverwalk. Don’t forget to try the city’s famous deep-dish pizza and hot dog!

Buckingham fountain in Grant Park, Chicago

About Us

George Joseph founded Mercury Insurance in 1962. He believed that high-quality insurance products and best-in-class customer service should be affordable to consumers. Since then, Mercury went from selling only auto insurance exclusively in California to offering a wide range of insurance products across 11 states. With this same mission in mind, Mercury now offers comprehensive coverage options, including personal auto insurance, mechanical protection, homeowners insurance and umbrella insurance. Mercury also provides business auto insurance and commercial business insurance.

Mercury Insurance corporate headquarters is located in Los Angeles, with California representing the core of its operations. Mercury is the state’s leading independent agency writer of auto insurance and the third largest private passenger auto insurer. The company has over $6.7 billion in total assets, more than 4,400 employees, and 9,400 independent agents.

For a fast, free quote, call (800) 956-3728.

Car Insurance Coverage in Illinois

What Auto Insurance is Required by Law in Illinois?

The state of Illinois requires all drivers to have auto insurance. Every driver must purchase an auto insurance policy with two types of liability insurance — bodily injury and property damage.

What is the Minimum Car Insurance in Illinois?

The state establishes minimum coverage requirements for all drivers. These vehicle insurance requirements include:

  • Bodily injury per person — $25,000
  • Bodily injury per accident — $50,000
  • Property damage per accident — $20,000

Does Auto Insurance Follow the Car or the Driver in Illinois?

Auto insurance usually follows the car in Illinois. This means that drivers allowed to use the vehicle, such as a family member or any person under the owner’s insurance policy, will likely be covered following a car accident.

What is the Average Cost of Insurance in Illinois?

According to Bankrate, the average of cost insurance in Illinois is about $162 per month for full coverage and around $38 per month for minimum coverage.

What Are the Penalties for Not Having Auto Insurance in Illinois?

If you’re caught driving without auto insurance in Illinois, there’s usually no jail time associated with it. However, you may face numerous penalties. You can receive fines up to $1,000, a license and registration suspension for up to four months, and a $100 reinstatement fee. You’ll also be required to file a SR-22 — a certificate that shows proof of financial responsibility for up to three years.

Is Illinois a No-Fault State?

No, Illinois is not a no-fault state. Illinois is an at-fault state, which means the driver who caused the accident goes through their insurance to pay for the other driver’s bills from the accident.