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Auto Insurance & SR-22

For All Illinois Drivers

$14

per month

Includes 24/7 Roadside 

Lowest Rate in Illinois

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A+ Rated in Illinois 
Chicago, Auto Insurance

We are a top-rated and highly accredited company with an A+ Better Business Bureau rating for over 30 years.

Lowest Prices Starting at $14 Per Month

American Auto Insurance is the leading provider of low-cost auto insurance and SR-22 to the entire state of Illinois. We have a top-rated team of agents and support staff dedicated to serving our customers unique needs.

Includes 24/7 Roadside Assistance

American Auto Insurance is a local auto insurance agency headquartered in Chicago with payment centers throughout Illinois including Champaign, Peoria, and Springfield. We’re also proud to serve the neighboring cities, with customers in Peoria, Arlington Heights, and more!

No Credit Scoring

American Auto Insurance serves ALL drivers. Drivers with suspended licenses. Drivers with international licenses.

A+ Rated Auto Insurance Agency for Over 35 Years

We are a top-rated and highly accredited company with an A+ Better Business Bureau rating for over 30 years.

Cheapest Car Insurance

American Auto Insurance is committed to providing the lowest cost auto insurance in Illinois. Our rates are so cheap that one starts as low as $14 per month! We consistently offer low-priced insurance with 24/7 roadside assistance.

Instant Proof of Coverage

American Auto Insurance serves ALL drivers. Drivers with suspended licenses. Drivers with international licenses.

Talk To An Agent Today.

Are you a high-risk driver?

Do you currently have lapses in coverage?

We understand the unique needs of our customers and focus on providing fast solutions. If you’ve been turned off by large auto insurance agencies, work with an agency that understands the needs of Illinois drivers.

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Discover How We Make A Difference With Your Company

Ready to experience all that American Auto Insurance has to offer, from affordable rates to excellent service? Get in touch with us today and request a free quote. You can also check out our blog to learn more information about the benefits of getting a policy with us or check out some great local businesses in Chicago, Illinois.

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testimonials

Learn more about American Auto Insurance from our satisfied customers!

Selena Martinez / 

cHICAGO

Your agents are the best! They are very professional, nice, polite and they listen to you whenever you call. Thank you!

kYLE b. /

cHICAGO

I just purchased my SR-22 Insurance policy with American Auto and it was a wonderful experience. They were able to save me over $150 a month after I made the switch. It was fast and easy. AMERICAN AUTO IS THE WAY TO GO!

cHAD s. /

Waukegan

American Auto Insurance is the best choice in the Chicagoland area.

Two winners per month

Refer a Friend

Once you realize the benefits of having an American Auto Insurance policy, you'll want to tell everyone about it. Take advantage of our unique referral program. Every driver you successfully refer to us wins you an entry into our raffle. Each month, we select two winners at random to win a $50 gift card. Be sure to spread the word about American Auto Insurance and refer your friends today.

Frequently Asked Questions

While customers praise our affordable rates, there are other reasons that make American Auto Insurance the No. 1 provider in Illinois.

You can trust our Better Business Bureau A+ rating and years of industry experience. Customers also appreciate our excellent service, as they can take advantage of phone support during normal business hours or manage their accounts online.
Use our convenient portal to make payments and renew your policy as necessary.

Do you need Car Insurance?

Like most other states, Illinois requires all vehicle owners to have auto insurance. Getting a policy not only fulfills your legal obligations but also financially protects you and your family in the event of an accident. Here at American Auto Insurance, you can build a custom policy that meets state requirements and provides protection in various scenarios.


Here are just a few of the coverage types we offer:
  • Bodily injury coverage: Illinois requires all drivers to have bodily injury coverage of at least $25,000 per person per accident and $50,000 per accident. This coverage pays for costs relating to the deaths or injuries sustained by pedestrians or occupants of other vehicles, plus any costs related to your passengers who aren't members of your household.
  • Property damage coverage: The minimum requirement for property damage coverage is $20,000 per accident. It covers costs for damages to another person's vehicle and property such as trees, fences, signs, utility poles, or buildings.
  • Uninsured motorist bodily injury coverage: This policy covers your bodily injuries that result from hit-and-run accidents or at-fault drivers with no auto insurance. The state minimums for this type of coverage are $25,000 per person and $50,000 per accident.
    American Auto Insurance also offers "full coverage" policies, which include collision coverage and comprehensive coverage that pays for damage to your vehicle that is not the result of a collision. While collision coverage will pay for damage to your own vehicle in the event of an accident, comprehensive coverage can protect you and your family from the exorbitant costs of damage from weather, fire, vandalism, and even theft. You may have to pay a deductible ranging from $0 to $1,000. While Illinois doesn't require this type of policy, your lender might.

Secure the Cheapest Car Insurance in Illinois

Seeing how important it is for drivers to have auto insurance, high monthly rates shouldn't stop you from obtaining a policy. Our team is proud to offer you the cheapest auto insurance in Illinois. For over three decades, we've worked with citizens like you to provide the affordable protection you deserve. We don't implement credit scoring, meaning you can find an inexpensive policy with us even if other agencies have turned you down.

If you don't believe how affordable our policies are, just take a look at our testimonials. Customers who've switched from other providers rave about how much money our policies save them. Some of our customers even enjoy rates as low as $14 per month. To see if you qualify for these prices, consider requesting a free quote. Factors that can influence your rate include: Age, Gender, Marital status, Your driving record, The amount of coverage you purchase, Your location, The type of vehicle you own, How often you use your vehicle, How far you drive your vehicle, Who else in your household drives your vehicle.

Can I Customize My Auto Insurance Policy?

Yes, we’ve created various coverage amounts covering multiple circumstances. Typically, you can select from three to five coverage levels for collision, bodily damage, damage to physical property, and even uninsured motorist coverage, to name a few.

Why Should I Buy Uninsured Motorist Coverage

Even though the law requires everyone to purchase car insurance, not everyone adheres to the rule. Some drivers choose not to buy insurance. Others let the coverage lapse for several reasons. If a person without auto insurance injures you or damages your vehicle in an accident, your uninsured motorist coverage pays you a benefit.

What Information Will I Need To Provide To Get a Quote?

Of course, you’ll need to provide personal information, including your name, address, date of birth, driver’s license number, and social security number. We’ll use this information to confirm your identity and check your driving history.

We’ll need information about your car, such as the make, model, and year. In addition, it would help if you had the VIN and mileage ready when you apply, as this helps determine your vehicle’s value and safety rating.

Do You Sell SR-22 Insurance Coverage?

Yes, American Auto Insurance provides SR-22 coverage. Illinois requires high-risk drivers to secure SR-22 coverage, a bond that verifies sufficient coverage exists. We have extensive experience in delivering SR-22 insurance in Illinois.

How Can I Lower My Car Insurance Quote?

Aside from driving safely, you can take additional steps to lower your insurance premiums. As stated earlier, we can customize a plan to suit your current financial situation. Illinois requires everyone to carry a minimum amount of liability coverage. Therefore, you can lower your liability coverage to save money on monthly premiums.

Choosing higher deductibles can save you money on your premium. However, your deductible must be satisfied before your policy pays out. For example, if you have a $500 deductible, you must cover the first $500 in damages before the insurance pays out. Therefore, if your accident resulted in $5,000 in damages, the insurance pays you $4,500, and you must pay the rest to cover repairs and restore the property.

Of course, choosing a higher deductible exposes you to more financial risk, but you can save hundreds of dollars a year in premiums. We recommend you determine how much you can afford to pay if you get in an accident and keep your deductible within that range.

Also, you can adjust the amount of property and medical coverage you carry to lower your premiums. For example, we allow you to select different coverage amounts for yourself and those in your vehicle, the amount paid to other motorists and their passengers should you be at fault, and the amount paid for damage to fences, homes, and other property should you damage physical items in an accident.

You can lower your insurance premium by purchasing an older vehicle versus a new one. New cars cost more to insure because they cost more to replace. Some people want that brand new sports car but find they can’t afford the high insurance premium. We recommend you shop for insurance before you purchase a vehicle to help you build a budget.

Take Advantage of 24/7 Emergency Roadside Assistance

You never know what's going to happen when you're out on the road. Drivers frequently experience flat tires, dead batteries, and various mechanical problems. If you're having a particularly bad day, you might even run out of gas or lock your keys inside the car. These issues are super inconvenient, as they can lead to expensive repairs and result in you being late for work.

Here's the good news: Your policy through American Auto Insurance comes with 24/7 emergency roadside assistance. You can call our toll-free number day or night for the help you need to get back on the road. Our team partners with service stations and garages across the state that meet you where you're stranded. Whether you need to replace a flat tire, jump-start your vehicle, or replenish an empty gas tank, we've got you covered. You can also trust us to provide locksmith services or tow your vehicle to a garage of your choice.

Areas We Serve

Wherever you are in Illinois, our team is ready to work with you. We serve customers in areas ranging from Champaign and Springfield to Arlington Heights and Peoria. You can even contact a representative specific to your area for the personalized service you deserve.

Am I Legally Bound To Accept Your insurance Quote?

No. We encourage drivers to shop around. After looking at other quotes, we’re confident you’ll find that American Auto Insurance has the best coverage at the lowest premium.

How Does My Driving History Impact My insurance Quote?

Insurance companies use your driving history to determine how likely it is you will get in an accident. For example, drivers with a previous history of accidents or traffic tickets represent a greater risk than drivers who have never been in an accident or violated traffic laws.

Will American Auto Insurance Cover Me if I Was Canceled Before?

Yes. American Auto Insurance has a long history of providing insurance coverage to high-risk drivers and those who have had coverage revoked by other insurance companies. We recommend you contact one of our insurance agents to discuss your current situation.

Will My Insurance Premium Change?

Yes. Insurance premiums change for various reasons. Your premium will go up if you’ve been involved in an accident or received a traffic ticket. Premiums can go down over time if you maintain a clean driving record. Sometimes, things outside your control can cause premiums to rise, such as inflation, rising auto repair costs, and more.

At American Auto Insurance, we understand drivers’ challenges in finding inexpensive, comprehensive auto insurance. That’s why our agents work tirelessly to find you the perfect policy to fit your budget and lifestyle. We invite you to talk with a local agent today or start the quote process online. One of our friendly, professional staff will assist you in finding the right policy at the right price.

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