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Home > Naperville IL Auto & SR-22 Insurance

Naperville, Illinois Auto, SR-22, Home, Renters & Motorcycle Insurance

Home to nearly 150,000 people, Naperville consistently ranks as one of the safest and best places to live in both Illinois and the entire United States. Its easy interstate connections to Chicago and downstate also make it a great place for commuters. Still, wherever you decide to drive, you'll need car insurance. Believe us when we say you will benefit from the protection your policy offers.

Naperville residents who don't want to beat around the bush when looking for car insurance should call Cloverleaf Insurance. Start an online quote for free or call us at (800) 530-5822 for more information.

Naperville Residents: Choose Cloverleaf Insurance

Car insurance helps drivers afford accident costs they don't plan on, but that could strike at any time. Given that recovery costs from vehicle losses might skyrocket, it is imperative that you always get the most-tailored policy you can. Whether you have a clean driving record or restrictions, the dedicated Cloverleaf Insurance team will ensure you have a long-term partner in your search for perfect coverage.

Illinois' Auto Insurance Requirements

Illinois requires all drivers to carry liability and uninsured/underinsured auto insurance.

Liability coverage will pay others for the losses you cause third parties, such as other drivers or pedestrians. Your policy must include at least:

  • $25,000 bodily injury coverage per person, per accident
  • $50,000 bodily injury coverage total per accident
  • $20,000 property damage coverage

Uninsured/underinsured coverage pays you when another at-fault driver does not have appropriate liability insurance for your own losses. You must carry at least:

  • $25,000 bodily injury coverage per person, per accident
  • $50,000 bodily injury coverage total per accident

If you cause a wreck in Illinois, then you have to pay for the damage costs, including those you cause others. It is your required liability and uninsured/underinsured coverage that ensures you have the assistance to do so.

Other Coverage Choices

Most car insurance can include other coverage that offers more protection than the minimum Illinois limits. That is a great benefit when you need it, because you will have more help available.

  • Higher liability insurance limits can help you pay for your own losses.
  • Collision insurance covers your own car's damage if you have a wreck.
  • Comprehensive coverage pays for your car's damage if non-accident hazards — such as theft, falling objects or severe weather — damage it.
  • Medical payments protection helps you cover injury costs resulting from wrecks.

Non-Standard Auto Insurance

If you have a non-standard vehicle or a few black marks on your driving record, you might worry that you won't be able to get insurance, or that you'll pay exorbitant prices for your policy.

Never fear, Cloverleaf Insurance can insure a huge diversity of drivers, including:

  • DUI and ticket recipients
  • SR-22 carriers
  • Motorcyclists and RV owners

We've got the policy options to help anyone get top-rated coverage.

Naperville Car Insurance Frequently Asked Questions

Who offers the best car insurance?

The best policy is what is best for you. That is because you are a unique driver who faces unique driving risks. Our agents will help you compare all your options to settle on the right coverage.

How do I get the best insurance rates?

Factors like the value of your car, your driving record, your accident history and other statistics will help your agent set your premium. Cloverleaf Insurance's agents will take factors like these and compare them to multiple policy choices to see which one offers you the best balance of coverage and price.

What is the cheapest car insurance?

The minimum Illinois liability insurance is often cheapest. But, that doesn't mean it is the best for you.

We encourage drivers to carry higher amounts of coverage to cut down their personal cost risks from vehicle accidents. While buying more coverage might cause a premium jump, we can help you manage price increases (and qualify for discounts) to always keep your policy affordable.

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Physical Address: 301 Jungermann Road | St. Peters, MO 63376
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