AUTO INSURANCE · CHICAGO, IL
Highly Rated Auto Insurance in Chicago
Car insurance for Chicago-area drivers from a local agency rated 4.8 stars, with over 1,000 reviews across Illinois, Wisconsin, and Indiana.
AUTO INSURANCE BASICS
What Is Auto Insurance and What Does It Cover?
- Liability for injuries and damage you cause
- Collision coverage for your own car
- Comprehensive for theft, hail, and vandalism
- Uninsured and underinsured motorist coverage
- Medical payments for you and your passengers
STATE MINIMUM REQUIREMENTS
Minimum Car Insurance Requirements in Illinois and Wisconsin
Every state sets a legal minimum. Here is what Illinois and Wisconsin drivers must carry. Many drivers choose higher limits, and our team can help you decide what fits.
- 01
Illinois
- Bodily Injury Liability: $25,000 / $50,000
- Property Damage Liability: $20,000
- Uninsured Motorist: Required
- Proof of Insurance: Digital or Paper
- 02
Wisconsin
- Bodily Injury Liability: $25,000 / $50,000
- Property Damage Liability: $10,000
- Uninsured Motorist: Required
- Proof of Insurance: Digital or Paper
- 03
Indiana
- Bodily Injury Liability: $25,000 / $50,000
- Property Damage Liability: $25,000
- Uninsured Motorist: Offered, can be declined in writing
- Proof of Insurance: Digital or Paper
DRIVER REVIEWS
Highly Reviewed Auto Insurance Agency in Chicago
4.8 stars on Google and over 1,000 reviews from drivers and families across Chicago, Illinois, Wisconsin, and Indiana.
Susan helped me with options for my home and auto policies. I've learned to depend on the professional customer service, and I'm happy I'll be spending less.
John W.
I was able to complete my changes quickly and accurately, no additional sales pitch. A+++
Bill
Kashif A.
My experience was good especially when it comes to claims. It was handled in a timely manner.
Joanne M.
Great service, great deals, great response time.
Donnel M.
They are always helpful and responsive. As a long time policy holder I'm very happy with them.
David W.
Amazing service. Everyone is always helpful and answers all my questions. Planning to do business with them for life.
Daniel O.
GOOD TO KNOW
What Is Not Covered by a Standard Auto Policy?
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Intentional Damage
Deliberate damage to your vehicle or someone else's is never covered.
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Mechanical Breakdown
Normal wear and tear or engine failure is not an insurance event.
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Racing Or Track Use
Damage during organized racing or track events is excluded.
WHAT AFFECTS YOUR RATE
What Affects Your Auto Insurance Rate in Illinois and Wisconsin
Your Driving Record
Tickets and accidents raise your rate. A clean record brings it down.
Your Vehicle
The year, make, and model all affect what you pay to insure it.
How Much You Drive
More miles and a longer commute can mean a higher premium.
Where You Live and Park
Your ZIP code, local traffic, and theft rates all factor in.
Credit History
Used in Illinois and most states to help set your rate.
Coverage and Deductible
A higher deductible usually lowers your monthly premium.
HOW IT WORKS
Getting Protected Is Simple
Three steps with a local Chicago-area agent. No call centers.
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Tell us about your home
Share your vehicle, drivers, and current coverage. It takes a couple of minutes.
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Talk it through with us
A local agent walks you through coverage limits in plain English, with no pressure.
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Get covered
Choose your coverage and get your ID cards. Our team checks in with you every year.
LOCAL CLAIMS HELP
Local Help When You Are in an Accident
After a crash on the Kennedy or a fender bender in a Park Ridge lot, you do not want a 1-800 number. You want a local agent who knows you and your policy. That is our team in Park Ridge, Burr Ridge.
Local advisors
Talk to someone who knows Chicago-area roads, in English, Spanish, or Polish.
Local claims help
Real help from our team the day you need to file an auto claim.
Community first
Our agency supports distracted driving awareness for teens and youth sports in Park Ridge.
WHY TUNNELL
Why Chicago-Area Drivers Choose Tunnell Insurance
Insurance is easy to buy and hard to use, until something goes wrong. That is when an experienced local agent earns it.
Highly Reviewed
A 4.8-star Google rating and over 1,000 reviews across Illinois, Wisconsin, and Indiana.
Local Claims Help
When something goes wrong, you call a real person at a local office.
Savings You Deserve
We look for every auto discount you qualify for, from safe driving to bundling.
Yearly Policy Reviews
We review your coverage every year as your car, commute, and family change.
BUNDLE AND SAVE
Bundle Your Home and Auto, Save on Both
Keeping your home and auto with one Chicago-area agency is one of the easiest ways to lower what you pay.
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Save on Both Policies
Bundling home and auto can lower the cost of each.
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One Agent for Everything
One local point of contact for your home and your car.
OPTIONAL COVERAGE
Optional Auto Coverage You Can Add
Coverage beyond the state minimum, for situations a basic policy does not handle. Ask our team what fits your car and commute.
Gap Insurance
Covers the difference if your car is totaled and you owe more than it is worth.
New Car Replacement
Replaces a totaled new car with a new one, not just its depreciated value.
Rental Reimbursement
Helps pay for a rental while your car is repaired after a covered claim.
CHICAGO AUTO INSURANCE QUOTES
Ready To Get Your Auto Quote?
Get a free auto quote from a highly reviewed Chicago-area agency that knows each state's requirements.
- Local agents
- 1,000+ reviews
- Free auto quotes
Get Your Free Auto Quote
Wondering If You're Paying Too Much?
A free auto coverage review with our team can turn up gaps and missed discounts. No pressure, just a clear look at your policy.
- Free coverage review
- Call (847) 306-8660
- Request a Quote
Auto Insurance Questions
Quick answers for drivers in Chicago and across Illinois, Wisconsin, and Indiana.
Illinois requires $25,000 / $50,000 for injuries, $20,000 for property damage, and uninsured motorist coverage.
Wisconsin requires $25,000 / $50,000 for injuries, $10,000 for property damage, and uninsured motorist coverage.
Indiana requires $25,000 / $50,000 for injuries and $25,000 for property damage.
Minimum limits can run out fast after a serious accident. Our team can help you choose limits that better protect your savings.
Yes. Bundling is one of the easiest ways to save, and our team can quote both at once.
Call (847) 306-8660, use the form on this page, or visit our Park Ridge or Burr Ridge office.
