American Family Insurance · IL

Illinois Insurance

Auto, home, life, and commercial coverage for Illinoisresidents. Nelson & Associates is a licensed American Family Insurance agency serving Chicago, Aurora, Naperville, and every corner of IL.

Cities We Serve in Illinois

Remote-first and licensed statewide — we serve clients across all of Illinois.

Illinois Insurance — FAQ

Common questions from Illinois residents about coverage, costs, and requirements.

What is the minimum car insurance in Illinois?

Illinois requires 25/50/20 liability coverage — $25K per person, $50K per accident, $20K property damage.

Does Illinois require uninsured motorist coverage?

Yes. Illinois requires uninsured motorist (UM) and underinsured motorist (UIM) coverage at the same limits as your liability policy.

How much does homeowners insurance cost in Illinois?

The average Illinois homeowner pays roughly $1,870/year, though Chicago-area rates can be 15–25% higher due to theft and weather risk.

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