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Multi-Car Policy Structure
A multi-car policy puts two or more owned vehicles on one Illinois policy, each carrying at least the 25/50/20 liability minimum, and earns the multi-car discount when every vehicle shares the policy and typically the same garaging address.
Adding a Vehicle to Your Policy
Adding a vehicle mid-term to an Illinois multi-car policy re-rates the entire policy rather than adding a flat amount; the multi-car discount recalculates with the new vehicle's profile and coverage level.
Liability Coverage Per Vehicle
Every vehicle on an Illinois multi-car policy must carry the state's 25/50/20 liability minimum; you can raise limits on any vehicle independently while keeping the multi-car discount on the whole policy.
Full Coverage Per Vehicle
Full coverage—liability plus collision and comprehensive—is optional in Illinois and can differ per vehicle on a multi-car policy; you can carry liability only on an older vehicle and full coverage on a newer one, both earning the multi-car discount.
Combining Household Policies
Combining two separate Illinois policies into one multi-car policy requires every vehicle on the same policy and typically the same garaging address; the combined policy earns the multi-car discount on every vehicle.
Uninsured Motorist Coverage
Illinois mandates uninsured motorist coverage on every multi-car policy; this coverage pays your medical bills and vehicle damage when an uninsured driver hits you, and it applies to every vehicle and driver on your policy.
