Metromile>Pay per mile car insurance>Illinois

Save up to 47% with Illinois pay-per-mile car insurance

  • Car insurance based on your driving habits
  • The less you drive, the more you could save
  • Same great coverage—for less money

Pay-per-mile car insurance in Illinois

If you’re a driver in the Prairie State, you almost certainly know the laws: Car insurance is legally required to drive in Illinois. Whether you’re visiting roadside attractions on historic Route 66 or commuting to your job in Chicago, Aurora, or Napierville, you’ll need an active Illinois auto insurance policy to stay on the right side of the law. (And that makes sense. No one wants a huge liability bill after an accident!)

But there’s something you may not know about Illinois car insurance. If you’re a low-mileage driver—that is, you drive 10,000 miles per year or fewer—you might be able to save a significant amount on your insurance bill by switching to pay-per-mile car insurance coverage through Metromile.
How does pay-per-mile auto insurance save money? Here’s how it works.
When you purchase an Illinois auto insurance policy through Metromile, you’ll pay a low base rate —as little as $29/month. After that, it’s simple: You’ll pay per mile for the miles you actually drive. And that per-mile rate could be as low as 6 cents per mile. On the months you drive less, you’ll pay less for your auto insurance.

It’s a straightforward, fair system that can save low-mileage drivers hundreds of dollars per year, which is why it’s popular with people who work from home, use public transit as part of their transportation strategy, or who are already retired. In fact, Metromile customers have saved up to $947/year*.

Coverage type and Illinois minimum requirements

Coverage

Bodily Injury Liability covers the other party’s injuries after you cause an accident.
Property Damage Liability covers damage to the property of other parties after you cause an accident.
UMBI helps pay for injuries caused by a driver who is uninsured.
Underinsured Motorist pays for injuries in your vehicle when the at-fault driver doesn’t have enough coverage.
Medical Payments helps cover your medical expenses after an incident.
Collision pays out for damage to your vehicle after an accident—regardless of fault.
Comprehensive coverage helps repair or replace your car after a covered loss.
Rental coverage can pay the cost of a rental car after a covered loss.
Roadside assistance pays to send help if your vehicle breaks down.

Illinois minimum requirements

$25,000 limit per person/$50,000 limit per accident
$20,000 limit
$25,000 limit per person/$50,000 limit per accident
Bundled with Uninsured Motorists
No requirement
No legal requirement, though it may be required by your lender
No legal requirement, though it may be required by your lender
No requirement
No requirement

What Illinois customers say

“Fantastic customer experience top to bottom. Extremely impressed and have referenced it as a best-in-class example of customer-centric design.”

–Luke B.
Chicago, Illinois

“I have been a customer for probably 5-6 years and have been more than pleased. Never had a claim problem, paid out in a timely manner.”

–Deb P.
Crystal Lake, Illinois

“Literally half the price for the same amount of coverage. Plus, I’ll never forget where I parked my car again… Five stars.”

–Noelle D.
Chicago, Illinois

“I saved $288 over the last 12 months compared to my previous insurer. Same coverage and very professional service. You rock.”

–Raymond W.
Geneva, Illinois

“My wife and I are both retired. The low monthly rate and paying per mile is ideal for us. I pay only about $10 per month and 1.7 cents per mile.“

–Daniel T.
Springfield, Illinois

“I have Metromile and save an average of $30/month on my premiums for the same coverage.“

–Richard D.
Chicago, Illinois

How much is pay-per-mile car insurance in Illinois

What you pay for your auto insurance in Illinois depends on many factors, such as the coverage options you choose, your driving history, and the kind of vehicles you’re insuring. One particularly significant factor in your insurance rate is your annual mileage (in other words, how much you drive in a year).

That’s why Metromile’s pay-per-mile car insurance is a great option for many Illinois drivers, particularly those who don’t drive as much.

With Metromile, you’ll pay a consistent base premium that could be as little as $29/month. And then you’ll pay a per-mile rate (which could be as little as 6 cents per mile!) for each mile you drive that month. The less you drive, the less you’ll pay. It’s simple and fair—and a great way for low-mileage drivers to stop overpaying for their car insurance.

That’s why Metromile has a lot of happy customers in Illinois. (Our customers can save up to $947/year* when they switch to pay-per-mile coverage.)

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Why get car insurance from Metromile?

Here’s why drivers love Metromile

• You could save up to 47%* with pay-per-mile car insurance coverage

• Clear communication and an easy-to-use app

• Get a quote in 2 minutes!

Car Insurance Illinois FAQ

For more information, please visit the Help Center.

See all of our FAQs

Is Illinois a no-fault car insurance state?

No! Illinois is an “at-fault” car insurance state, which means that the driver who causes an accident is legally responsible for the cost of all the damages.

Is car insurance required in Illinois?

Yes. You must have a valid car insurance policy to drive legally in the state of Illinois.

What are the state minimum requirements in Illinois?

Car insurance is important: it can help protect your vehicle, your finances, and your wellbeing. Illinois state minimum requirements for car insurance are:

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage
  • $20,000 in property damage liability coverage
  • $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage

You may also want to consider higher limits or adding comprehensive, collision, and other coverage for extra peace of mind. With Metromile, you can personalize your policy for your lifestyle and needs.

What coverage options do you offer?

Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

Can I still get the same coverage options?

Yes! You’ll still have the same amazing coverage that you are used to, with various deductibles and optional comp & collision coverage.

Do you offer full coverage?

We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.