car insurance

Over 100 Years of Helping Illinois Drivers Protect What Matters Most

From navigating busy Chicago streets to commuting across Illinois highways, driving in the Land of Lincoln comes with its own challenges. Illinois’ insurance regulations make having the right coverage especially important. With AAA, Illinois drivers get guidance from trusted local agents who understand state auto insurance requirements and can help tailor coverage to fit their needs and budget.

Enter valid zip code

Or retrieve a saved quote here

We’re sorry.

Auto and Home is not available in the state you selected. Please choose another product.

The Benefits of AAA Illinois Car Insurance

We offer more than just competitive Illinois auto insurance rates — our agents are available whenever you need us.

Personalized Agent Guidance

We’ll work together to create a policy that fits your unique needs, helping you comply with Illinois auto insurance requirements while securing all the discounts you qualify for.

High Customer Satisfaction Ratings

AAA Car Insurance has earned a 94% satisfaction rate* from customers. We must be doing something right!

Our Dedication to Serving You

With AAA Illinois car insurance, you can enjoy life more and worry less. It’s all part of our 24/7 dedication to you.

make it yours

Customize Your Illinois Car Insurance Policy

Add coverage options based on your Illinois auto insurance needs.

Enhanced Total Loss Replacement³ - If your car is declared a total loss after a covered crash, we’ll help replace it with a new model.
Loan Lease Gap - Covers the difference between what you owe on your loan or lease and your vehicle’s actual cash value if it’s totaled.
Enhanced Exterior Repair - Helps ensure original manufacturer exterior parts are used instead of aftermarket parts (excludes window glass and mechanical parts).

well worth it

A Look Under the Hood

Interested in understanding what car insurance is and how to get the most from your policy? Join us for this FREE webcast on “How Car Insurance Works.” Or watch any of our other personal finance webcasts on-demand.

Watch Now Explore Webcasts

compare coverage

Compare Your Current Car Insurance

Free Insurance Comparison & Quote

With AAA Triple Check^®, we conduct a free review of your current Illinois auto policy, from any company, to help you understand your insurance coverage and the potential savings you can get with AAA Car Insurance.

Learn More

Frequently Asked Questions

Rates vary by state, driving history, and vehicle. Use our guide on how much car insurance do I need to help guide you. Enter your ZIP Code above to see a personalized quote.

To get a car insurance quote, you'll need the following information:

Personal information for all drivers on the insurance policy
- Name
- Date of Birth
- Driver's license number
- Home address
Vehicle(s) details
- VIN
- Make
- Model
- Year
- Mileage
Other information
- Driving history (accidents, tickets)
- Current proof of insurance information

An insurance declarations page is a summary of your policy, showing who is covered, what coverages you have, and key details about your protection.

Car insurance companies consider factors like:

Location
Age
Driving history
Vehicle type

While you can't change some elements of your profile, you can reduce costs.

The AAA guide to saving on car insurance explains a few ways to save on your car insurance policy. AAA members are offered free policy reviews to help identify discounts and ensure they're getting the best coverage for their needs.

Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. Prices may vary based on how you buy insurance, subject to availability in your state. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association (IL Auto, IL Home, MI Home, MN Home), Auto Club Group Insurance Company (IA Auto, IA Home, IN Auto, IN Home, NE Auto, NE Home, WI Auto, WI Home), Auto Club Insurance Company of Florida (FL Package), Auto Club South Insurance Company (FL Auto), MemberSelect Insurance Company (GA Auto, GA Home, MI Auto, MN Auto, TN Auto, TN Home), The Members Insurance Company (NC Auto, NC Home), and Universal Insurance Company (NC Auto, NC Home, SC Auto, SC Home). ©2025 The Auto Club Group. All rights reserved.

¹New policyholders who switched to AAA Auto Insurance and saved, saved an average of $623 in FL, GA, IA, IL, IN, MN, NC, NE, SC, TN, and WI based on 2024 survey results. Potential savings may vary.

²Discounts apply to select coverages only and vary by state and insurance company. Not all discounts available in each state. AAA Member discount based on number of years as a member of AAA.

³Optional coverage that is available for additional cost. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurrence time period and mileage requirements. Coverage is subject to all policy terms, conditions, exclusions and limitations. Subject to eligibility requirements.

*94% Satisfaction with AAA Auto Insurance. Satisfaction percentage was calculated based on a 2024 survey of new auto insurance customers scoring the Auto Club Group an 8, 9, or 10 out of 10 on overall satisfaction with their recent insurance purchase experience.

We’re sorry.

Manage Your Insurance