Auto Insurance

Protecting you on the road.

Car and truck insurance to suit your lifestyle.

Home » Personal Insurance » Auto Insurance

Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

Do you need auto insurance in the Greater Chicago area? If you drive a vehicle, the answer is yes.

Whether you drive a brand new car or one that’s been around for 100,000 miles, car insurance in Illinois is a must. In fact, the state mandates drivers to have car insurance liability coverage that includes at least $25,000 for individual bodily injury or death, $50,000 for bodily injury or death of more than one person and $20,000 for property damage.

However, it’s important to find a car insurance policy that meets your needs. The state’s minimum car insurance coverage requirements may not be enough to cover you in the worst case scenario.

It’s also important to note that Illinois is not a no-fault state- meaning that if you cause an accident and don’t have adequate coverage, you could end up paying a whopping sum out of pocket.

Interactive Graphic

Click it. Read it. Cover it.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

There are several types of auto insurance coverage with the most common being:

  • Auto liability coverage
  • Uninsured and underinsured motorist coverage
  • Comprehensive coverage
  • Collision coverage
  • Medical payments coverage
  • Personal injury protection

At Reliant Agency, we help you prepare for the unexpected.

What happens if you get hit by an uninsured driver in a McDonald’s parking lot? Or your car is vandalized while you’re shopping at the mall? Or you back into a pole in the parking lot?

None of these (surprisingly common) mishaps are covered by minimum Illinois car insurance requirements. There are many factors that go into picking the right auto insurance coverage.

What you need in a car insurance policy and what your Chicago neighbor needs may not be the same.

For example, if you are leasing a brand new car and insure your 17-year-old son, you should consider comprehensive car insurance. On the other hand, if you drive a 2010 Camry with 200,000 miles and live in a secure neighborhood, you might be able to get away with basic liability insurance.

As an independent insurance agency, Reliant Agency helps identify the best coverage for you, compare plans from different providers and ultimately choose a plan that meets both your coverage needs and your budget.

If you are looking for auto insurance in the Greater Chicago area, we’d be happy to help. We work with drivers in Rolling Meadows, Palatine, Arlington Heights, Schaumburg, Mount Prospect, Des Plaines and several other cities in the Greater Chicago area.

Give us a call today or submit an auto insurance quote request below.

Auto Insurance - Family Traveling Together on a Road Trip

Get Started Today

As an independent agency, we are here to help you find the right Auto Insurance coverage.

Get a Quote

  Auto Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

  • This field is for validation purposes and should be left unchanged.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!