Tens of thousands of drivers take to the roads of Chicago every day. Trust our Chicago car insurance experts.

The city’s recent economic growth has put an increasing number of people on the roads, leading to Chicago’s 2019 ranking as the second most congested city in the country.

Northern Suburbs

  • Algonquin,
  • Arlington Heights,
  • Buffalo Grove,
  • Carpentersville,
  • Des Plaines,
  • Deerfield,
  • Elgin,
  • Elk Grove Village,
  • Evanston,
  • Franklin Park,
  • Glenview,
  • Gurnee,
  • Highland Park,
  • Hoffman Estates,
  • Lake Forest,
  • Lake in the Hills,
  • Libertyville,
  • Morton Grove,
  • Mount Prospect, 
  • Mundelein,
  • Niles,
  • North Chicago,
  • Palatine,
  • Park Ridge,
  • Rolling Meadows,
  • Round Lake Beach,
  • Schaumburg,
  • Schiller Park,
  • South Elgin,
  • Skokie,
  • Vernon Hills,
  • Waukegan,
  • Wheeling,
  • Wilmette,
  • Zion
Joliet IL Festival

Far Suburbs Outside Chicagoland

  • Belvidere,
  • Bradley,
  • Channahon,
  • Crystal Lake,
  • De Kalb,
  • Dixon,
  • Frankfort,
  • Freeport,
  • Harvard,
  • Joliet,
  • Kankakee,
  • La Salle,
  • Lockport,
  • Loves Park,
  • Machesney Park,
  • Mchenry
  • Mendota,
  • Morris,
  • New Lenox,
  • Ottawa,
  • Peru,
  • Plainfield,
  • Pontiac,
  • Princeton,
  • Rockford,
  • Romeoville,
  • Rochelle,
  • Rockfalls,
  • Streator,
  • Sycamore,
  • Wonder Lake,
  • Woodstock

Central Illinois

  • Champaign,
  • Charleston,
  • Danville,
  • Decatur,
  • Effingham,
  • Jacksonville,
  • Lincoln
  • Mattoon,
  • Paris,
  • Rantoul,
  • Quincy,
  • Springfield,
  • Taylorville,
  • Urbana

South and West Suburbs

  • Alsip,
  • Bellwood,
  • Berwyn,
  • Blue Island,
  • Burbank,
  • Bridgeview,
  • Broadview,
  • Brookfield,
  • Calumet City,
  • Chicago Heights,
  • Chicago Ridge,
  • Cicero,
  • Crete,
  • Country Club Hills,
  • Dolton,
  • Elmwood Park,
  • Evergreen Park,
  • Forest Park,
  • Flossmoor,
  • Glenwood,
  • Harvey,
  • Hazel Crest,
  • Hickory Hills,
  • Homewood,
  • Justice, 
  • La Grange,
  • Lansing,
  • Lyons,
  • Maywood,
  • Markham,
  • Melrose Park,
  • Mokena,
  • Oak Forest,
  • Oak Lawn,
  • Oak Park,
  • Orland Park,
  • Park Forest,
  • Richton Park,
  • Riverdale,
  • South Holland,
  • Steger,
  • Tinley Park,
  • Westchester,
  • Western Springs,
  • Worth
Downtown Aurora Food Trucks

Western Suburbs

  • Addison,
  • Aurora,
  • Bartlett,
  • Batavia,
  • Bensenville,
  • Bloomingdale,
  • Bolingbrook,
  • Carol Stream,
  • Darien,
  • Downers Grove,
  • Elmhurst,
  • Glen Ellyn,
  • Glendale Heights,
  • Hanover Park,
  • Lisle,
  • Lombard,
  • Naperville,
  • Oswego,
  • Roselle,
  • St Charles,
  • Streamwood,
  • Villa Park,
  • Warrenville,
  • West Chicago,
  • Westmont,
  • Wheaton,
  • Woodridge,
  • Yorkville
Rock Island Festival

West-Central Illinois

Southern Illinois

  • Alton,
  • Belleville,
  • Carbondale,
  • Collinsville,
  • Centralia,
  • East St Louis,
  • Edwardsville,
  • Glen Carbon,
  • Granite City,
  • Greenville,
  • Harrisburg
  • Herrin,
  • Jerseyville,
  • Marion,
  • Mt. Vernon,
  • Murphysboro,
  • O’fallon,
  • West Frankfort,
  • Waterloo,
  • Salem,
  • Troy,
  • Vandalia

Learn More About American Auto Insurance From Our Satisfied Customers!

Talk To An Agent Today.

All Drivers Are Welcome!

Regardless Of Your Current Coverage Status.

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.

What We Can Help With.

Once you contact AAI, you may be wondering what exactly you need to ensure proper coverage for you and your vehicle. We have a variety of offerings and allow a certain level of customization so you can get the coverage you need at a price that best fits your budget. From SR22 coverage to uninsured motorist coverage, we have it all. Our cheap, affordable, insurance quotes are second to none in Illinois.

SR22 Insurance Coverage

If you're a high-risk driver and the state of Illinois says that you require SR22 insurance, we have you covered. This lets you get back on the road, even if you have a driving record. You'll need SR22 insurance coverage if you have multiple convictions for driving without insurance or multiple collisions on your record. We even file all the required paperwork to the state for you so you can rest easy knowing that you have everything you need to start driving again. Contact us today about cheap SR22 auto insurance.

Rental Reimbursement Coverage

If your vehicle is in for repair but you still have places to go in the meantime, a rental is an ideal choice so you can still get around town. However, rental expenses add up quickly if you're doing it on your own. With AAI rental reimbursement coverage, we can pay you up to $25 to $30 per day for your rental expenses, so you can keep on getting where you need to go without breaking the bank.

Collision Coverage

Collision coverage is an optional insurance policy that helps cover damages from external collisions, including stationary objects and parked vehicles. Collision coverage can also help pay for damages associated with potholes and single-vehicle accidents, so there'll be no more fretting over how you're going to pay for damage caused by traversing rough patches of road.

Liability Insurance

There are a couple of types of liability coverage, and Illinois mandates certain levels of coverage for each. The different types of liability insurance coverage include:

  • Bodily injury: This type of coverage covers costs associated with injury or death in a collision, and you need $25,000 and $50,000 worth of coverage to cover one person and more than one person. This coverage can help pay for medical expenses for the driver of the other vehicle, passengers in either vehicle, and pedestrian bystanders.
  • Property damage: If your vehicle damages someone else's property, having insurance to cover those expenses can take the stress out of paying from your own pocket. Property damage liability coverage does just that. It can help pay for property damage-related expenses and can even help pay for legal expenses if someone files a lawsuit against you.

Uninsured or Underinsured Motorist Coverage

If you're ever in a collision with an uninsured or underinsured driver, you may find yourself wondering who's going to pay for repair expenses. This is where uninsured or underinsured motorist coverage comes in. It's designed to help you pay for repairs in exactly this type of situation. It's also useful for hit-and-run type situations where you're unable to exchange insurance and driver information. Coverage usually starts around $25,000 per person or $50,000 per accident.

Why American Auto Insurance

Aside from getting quality insurance coverage starting as low as $14 per month, there are several other reasons to choose American Auto Insurance as your number one insurance provider. For starters, you can get a free quote so you can understand just how much coverage you can get through us before even spending a dime. If you like what you see, you can even get same-day coverage with instant proof of insurance through our convenient electronic system.

If you're worried that your credit score won't qualify you for quality coverage, you can rest easy. At AAI, we don't do any credit scoring. We service all drivers, even those with suspended licenses or international licenses. As the cherry on top, our insurance policies also include 24/7 roadside assistance. This means no more trying to figure out how to change your flat or flagging someone down to help jump-start your car. You can count on our roadside assistance to help you out.

Latest posts from our blog


Auto Insurance & SR-22