{"id":132789,"date":"2024-12-18T03:28:26","date_gmt":"2024-12-18T03:28:26","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/"},"modified":"2024-12-18T03:28:26","modified_gmt":"2024-12-18T03:28:26","slug":"what-insurance-is-required-for-a-rental-car-in-illinois","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/","title":{"rendered":"What insurance is required for a rental car in Illinois?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#What_insurance_is_required_for_a_rental_car_in_Illinois\" title=\"What insurance is required for a rental car in Illinois?\">What insurance is required for a rental car in Illinois?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#1_What_happens_if_I_dont_have_my_own_car_insurance\" title=\"1. What happens if I don&#8217;t have my own car insurance?\">1. What happens if I don&#8217;t have my own car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#2_Can_I_use_my_own_car_insurance_for_a_rental_car_in_Illinois\" title=\"2. Can I use my own car insurance for a rental car in Illinois?\">2. Can I use my own car insurance for a rental car in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#3_Is_collision_insurance_required_for_a_rental_car_in_Illinois\" title=\"3. Is collision insurance required for a rental car in Illinois?\">3. Is collision insurance required for a rental car in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#4_Does_rental_car_insurance_cover_theft_in_Illinois\" title=\"4. Does rental car insurance cover theft in Illinois?\">4. Does rental car insurance cover theft in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#5_Do_credit_cards_provide_insurance_for_rental_cars_in_Illinois\" title=\"5. Do credit cards provide insurance for rental cars in Illinois?\">5. Do credit cards provide insurance for rental cars in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#6_Is_personal_injury_protection_PIP_insurance_required_for_rental_cars_in_Illinois\" title=\"6. Is personal injury protection (PIP) insurance required for rental cars in Illinois?\">6. Is personal injury protection (PIP) insurance required for rental cars in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#7_Does_rental_car_insurance_cover_my_belongings_inside_the_car\" title=\"7. Does rental car insurance cover my belongings inside the car?\">7. Does rental car insurance cover my belongings inside the car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#8_Can_I_purchase_additional_insurance_for_a_rental_car_in_Illinois\" title=\"8. Can I purchase additional insurance for a rental car in Illinois?\">8. Can I purchase additional insurance for a rental car in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#9_Are_there_any_age_restrictions_for_rental_car_insurance_in_Illinois\" title=\"9. Are there any age restrictions for rental car insurance in Illinois?\">9. Are there any age restrictions for rental car insurance in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#10_Does_rental_car_insurance_cover_additional_drivers_in_Illinois\" title=\"10. Does rental car insurance cover additional drivers in Illinois?\">10. Does rental car insurance cover additional drivers in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#11_What_does_uninsuredunderinsured_motorist_coverage_do_for_rental_cars_in_Illinois\" title=\"11. What does uninsured\/underinsured motorist coverage do for rental cars in Illinois?\">11. What does uninsured\/underinsured motorist coverage do for rental cars in Illinois?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#12_Can_I_decline_insurance_at_the_rental_car_counter_in_Illinois\" title=\"12. Can I decline insurance at the rental car counter in Illinois?\">12. Can I decline insurance at the rental car counter in Illinois?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_insurance_is_required_for_a_rental_car_in_Illinois\"><\/span>What insurance is required for a rental car in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>**In Illinois, the state requires all rental cars to have liability insurance coverage. This means that the rental company must provide at least the minimum liability coverage required by law, which is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage.**<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_happens_if_I_dont_have_my_own_car_insurance\"><\/span>1. What happens if I don&#8217;t have my own car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you don&#8217;t have your own car insurance, you can still rent a car in Illinois. The rental company will include the minimum liability coverage required by law in the rental agreement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_use_my_own_car_insurance_for_a_rental_car_in_Illinois\"><\/span>2. Can I use my own car insurance for a rental car in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can use your own car insurance to cover a rental car in Illinois. Check with your insurance provider to see if your policy includes rental car coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Is_collision_insurance_required_for_a_rental_car_in_Illinois\"><\/span>3. Is collision insurance required for a rental car in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCollision insurance is not required by law in Illinois, but it is highly recommended. It covers damage to the rental car in the event of a collision.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Does_rental_car_insurance_cover_theft_in_Illinois\"><\/span>4. Does rental car insurance cover theft in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, rental car insurance typically covers theft in Illinois. Make sure to read the rental agreement carefully to understand the coverage provided.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Do_credit_cards_provide_insurance_for_rental_cars_in_Illinois\"><\/span>5. Do credit cards provide insurance for rental cars in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome credit cards offer rental car insurance as a benefit, but coverage can vary. Check with your credit card issuer to see if rental car insurance is included.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Is_personal_injury_protection_PIP_insurance_required_for_rental_cars_in_Illinois\"><\/span>6. Is personal injury protection (PIP) insurance required for rental cars in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPersonal injury protection insurance is not required for rental cars in Illinois. This type of coverage pays for medical expenses for you and your passengers in the event of an accident.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Does_rental_car_insurance_cover_my_belongings_inside_the_car\"><\/span>7. Does rental car insurance cover my belongings inside the car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car insurance typically does not cover personal belongings inside the car. Check with your insurance provider to see if your homeowner&#8217;s or renter&#8217;s insurance policy covers personal belongings in a rental car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_purchase_additional_insurance_for_a_rental_car_in_Illinois\"><\/span>8. Can I purchase additional insurance for a rental car in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can purchase additional insurance coverage from the rental company for added protection. This may include coverage for roadside assistance, lost keys, or supplemental liability insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Are_there_any_age_restrictions_for_rental_car_insurance_in_Illinois\"><\/span>9. Are there any age restrictions for rental car insurance in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost rental car companies in Illinois require drivers to be at least 21 years old to rent a car. Young drivers under 25 may be subject to a daily surcharge.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Does_rental_car_insurance_cover_additional_drivers_in_Illinois\"><\/span>10. Does rental car insurance cover additional drivers in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car insurance typically covers additional drivers as long as they are listed on the rental agreement. Additional fees may apply for adding extra drivers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_does_uninsuredunderinsured_motorist_coverage_do_for_rental_cars_in_Illinois\"><\/span>11. What does uninsured\/underinsured motorist coverage do for rental cars in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUninsured\/underinsured motorist coverage protects you in case you are involved in an accident with a driver who has insufficient or no insurance. It is not required in Illinois, but may still be a good idea to have.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_decline_insurance_at_the_rental_car_counter_in_Illinois\"><\/span>12. Can I decline insurance at the rental car counter in Illinois?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can decline insurance at the rental car counter in Illinois if you have coverage through your own insurance policy or credit card. Be sure to understand the risks of declining coverage before making a decision.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What insurance is required for a rental car in Illinois? **In Illinois, the state requires all rental cars to have liability insurance coverage. This means that the rental company must provide at least the minimum liability coverage required by law, which is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What insurance is required for a rental car in Illinois?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-insurance-is-required-for-a-rental-car-in-illinois\/#more-132789\">Read more<span class=\"screen-reader-text\">What insurance is required for a rental car in Illinois?<\/span><\/a><\/p>\n","protected":false},"author":30,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-132789","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What insurance is required for a rental car in Illinois?<\/title>\n<meta name=\"description\" content=\"What insurance is required for a rental car in Illinois? **In Illinois, the state requires all rental cars to have liability insurance coverage. 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