Affordable Auto Insurance in the Chicago Metropolitan Area
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We Offer the Cheapest Auto Insurance in Chicago!
Cheap Car Insurance for All
Everyone needs auto insurance, so why shouldn’t you get it at the best rate possible? If you live in the Chicago Metropolitan Area, you can count on Clover Insurance to provide you with cheap auto insurance and impeccable service.
At Clover Insurance, we believe that everyone should have access to affordable auto insurance, despite anything that large insurance companies consider to be risk factors. We offer inexpensive auto insurance regardless of:
- Your Age: Whether you are a teenager with a driving permit or a senior who has to take yearly eye exams, you deserve affordable car insurance.
- Your Vehicle: We offer inexpensive car insurance for drivers of all kinds of vehicle makes and models, from cars and trucks to motorcycles and mopeds.
- Your Record: Just because you’ve made mistakes doesn’t mean you don’t deserve insurance options. Whether you have an extensive backlog of tickets, have been convicted of a DUI, or have even had your license revoked, we will insure you. We even offer cheap SR22 insurance.
- Your Driving Habits: Whether you only drive occasionally, make a daily commute, or drive for rideshare companies for a living, we have cheap auto insurance to fit your needs.
We even offer insurance to those who have out-of-state or international licenses.
Reliable Insurance Agents
Clover Insurance is a family-owned and -operated business that has served residents of Chicagoland for over 50 years. Each member of our team is dedicated to helping our clients find an insurance plan that covers their needs without breaking their budget. Our entire staff is prepared to help you in any way that we can to ensure that your needs are met.
If you would like to speak to a member of our team, call us today at (773) 381-2200 or text us at (773) 973-3700.
Comprehensive and Collision Coverage
To protect your vehicle, we offer a number of insurance options designed to give you peace of mind on the road. Comprehensive coverage helps safeguard against unexpected events like theft, vandalism, or natural disasters, while Collision coverage ensures you’re protected if your car is damaged in an accident. Together, these policies provide well-rounded protection so you can drive with confidence knowing your vehicle is secure. We offer a number of deductible options to help to make the rate as affordable as possible.
We Also Offer:
- Roadside assistance for emergencies
- Rental car reimbursement to keep you moving
- Rideshare
- Delivery endorsements
Minimum Liability in the State of Illinois
Liability coverage is also known as State Minimum coverage. This type of insurance covers other individuals and their vehicles if an accident is your fault. You and your vehicle are not covered, but passengers in your vehicle are. This coverage is sufficient to meet the legal requirements in Illinois, and it’s a good, affordable solution if you are on a tight budget.
Bodily Injury
- $25,000 in bodily injury coverage for each injured person
- $50,000 in bodily injury coverage total per accident
Property Damage
- $20,000 in property damage coverage per accident
Uninsured Motorist Bodily Injury
- $25,000 in bodily injury coverage for each injured person
- $50,000 in bodily injury coverage total per accident
Frequently Asked Questions About Auto Insurance
What's the minimum car insurance required by law in Illinois?
Illinois requires liability coverage of at least $25,000 per person / $50,000 per accident for bodily injury, and $20,000 for property damage, plus uninsured motorist coverage. Driving with less than this — or with no insurance at all — can result in fines, license suspension, and an SR-22 requirement.
Can I get car insurance if I have a bad driving record or was denied by another company?
Yes. Clover works with drivers who have tickets, accidents, DUIs, lapses in coverage, or prior denials. We shop multiple carriers to find one willing to insure your specific situation, often at a better rate than you'd expect.
Do you insure teen drivers and elderly drivers?
Yes, we insure drivers across all age groups, including newly licensed teen drivers and senior drivers, and we can help you find coverage options that fit each situation.
How much does car insurance cost in Chicago?
Rates vary widely based on your driving record, vehicle, coverage level, and zip code, but Chicago-area rates tend to run higher than the state average due to traffic density and claims history. Enter your zip code on our site or call us for a free, no-obligation quote specific to you.
Can I get instant proof of insurance?
Yes. Once your policy is active, we can provide instant proof of insurance electronically — no waiting for cards to arrive in the mail.
Do you offer monthly payment plans or low down payments?
Yes. We offer budget-friendly payment plans, low down payments, and accept all major debit/credit cards as well as automatic bill-pay.
What discounts are available?
We offer discounts for safe driving history, insuring multiple vehicles, and maintaining continuous prior coverage. Ask your agent which discounts you qualify for when you call.
What's the difference between liability-only and full coverage insurance?
Liability-only covers damage and injuries you cause to others but not your own vehicle. Full coverage adds collision and comprehensive coverage, which pays for damage to your own car from accidents, theft, weather, or vandalism. We can help you decide which makes sense based on your vehicle's value and your budget.
