Personal Auto

Personal auto insurance for Illinois and Texas drivers

Quotes in minutes from A-rated carriers, not a callback in three days.

Riskara writes personal auto insurance for individual drivers and households across Illinois and Texas. We're independent — instead of pushing one company's product, our AI engine compares your profile against dozens of carriers and surfaces the best fit. You buy through us, but you can switch carriers at renewal without starting over.

What's covered

Standard liability (bodily injury and property damage) at state minimum through 250/500/250 limits. Comprehensive and collision with deductibles from $0 to $2,500. Uninsured and underinsured motorist coverage. Medical payments (MedPay) from $1,000 to $10,000. Optional rental reimbursement and 24/7 roadside assistance.

State minimums we file at

Illinois requires 25/50/20 liability and 25/50 uninsured motorist. Texas requires 30/60/25 liability. We can write at minimum, but for most drivers we recommend 100/300/100 or higher — the gap between $25K and $100K of bodily injury limits is small in premium and large in protection.

Discounts we apply automatically

Multi-vehicle, homeownership, paid-in-full, telematics (where the carrier offers it), good-student, defensive-driver, and continuous-coverage. Our AI runs every discount the carrier supports — you don't have to ask.

SR-22 filings

If you've been ordered by an Illinois or Texas court (or DMV) to carry SR-22 financial responsibility, we file electronically with the Illinois Secretary of State or the Texas DPS the same day your policy binds.

Coverages we write

  • •Bodily injury and property damage liability
  • •Comprehensive (theft, vandalism, weather)
  • •Collision
  • •Uninsured / underinsured motorist (UM/UIM)
  • •Medical payments (MedPay)
  • •Personal injury protection (PIP) — Texas
  • •Rental reimbursement
  • •Roadside assistance
  • •Gap insurance for financed vehicles
  • •SR-22 filings

Illinois focus

Illinois personal auto guide

Illinois driver, household, full coverage, SR-22, high-risk, and bilingual service guidance.

Read the guide

Personal auto FAQs

How fast can I get a personal auto quote?

Usually within minutes. Submit our quick contact or full application, our AI engine runs your profile against partner carriers, and we email or call back the same day with ranked options.

Do I need to cancel my current policy first?

No. We bind your new policy effective the date you choose; you cancel the old one once the new one is in force. Avoid a coverage gap — it raises your rate at renewal.

Will a DUI or at-fault accident disqualify me?

Not at Riskara. We work with non-standard carriers (Progressive, Dairyland, and others) that write high-risk drivers in IL and TX, and we handle SR-22 filings.

Can I add my teen driver?

Yes. We'll add any household driver to the policy. Most carriers offer a good-student discount for teen drivers carrying a B average or better.

Get a personal auto quote

Tell us about your vehicles and drivers — our AI engine handles the rest.

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