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Illinois Insurance Guide
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Insurance in Illinois
Find comprehensive insurance information for Illinois (IL) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Illinois (IL) |
| Region | Midwest |
| Population | ~12.6M residents |
| Health Marketplace | Get Covered Illinois |
| Insurance Regulator | Illinois Department of Insurance |
Health Insurance in Illinois
Illinois residents can find health coverage through:
- Get Covered Illinois - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Illinois
Illinois has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Illinois
Protect your home with coverage tailored to Illinois’s specific risks and requirements.
Life Insurance in Illinois
Find life insurance options available to Illinois residents to protect your family’s financial future.
How Illinois Compares
Understanding how Illinois stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Illinois | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,423 | $1,935 | -26% (near average) |
| Health Insurance (monthly) | $478 | $477 | 0% (below average) |
| Home Insurance (annual) | $1,456 | $2,377 | -39% (near average) |
| Uninsured Rate | 7.3% | 9.5% | -23% (better than average) |
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Illinois Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Get Covered Illinois (opens in new tab) - Illinois health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Illinois address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Illinois Department of Insurance
- Phone
- 217-782-4515
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Illinois?
Illinois requires minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Uninsured motorist coverage at 25/50 is also required.
How do I get health insurance in Illinois?
Illinois has its own state marketplace, Get Covered Illinois. Open enrollment runs November through January. Many residents qualify for premium tax credits. Illinois has expanded Medicaid, providing coverage for adults with incomes up to 138% of the federal poverty level.
Does Illinois homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Illinois. Given Illinois’s location in Tornado Alley, adequate coverage is essential. Review your policy’s wind/hail deductible, which may be separate from your standard deductible.
Is flood insurance required in Illinois?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Given flooding risks along the Mississippi, Illinois, and other rivers, flood coverage is recommended even outside flood zones.
What is the average cost of car insurance in Illinois?
Illinois drivers pay approximately $1,300-$1,600 per year for full coverage auto insurance. Chicago and surrounding Cook County have significantly higher rates due to traffic density, theft, and accident frequency.
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[illinois] Insurance Types
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Neighboring State Guides
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