Auto Insurance in McHenry, IL & Northern Illinois
Coverage that holds up when the road doesn't.
Driving Route 31, commuting down I-90, or heading up to the lake? We compare quotes from top-rated carriers to find coverage that fits your life — and your budget — with a real local agent in your corner.
Free No Obligation Quote
Talk to a local agent who'll shop multiple carriers for you.
100+ 5-Star Google Reviews
Multiple A-Rated Carriers
Local McHenry Office
Why Choose Ryan P. Conway Agency
More carriers. Better fit. Honest advice.
Captive agents sell one company's policies. We're independent, which means we shop dozens of top-rated insurers to match you with coverage that actually fits your situation, your assets, and your budget.
And because we live and work in McHenry County, you always have a real person to call — not a 1-800 number.
Coverage Options
Auto Insurance Coverage We Offer
Required in IL
Bodily Injury Liability
Pays for injuries you cause to others in an at-fault accident.
Required in IL
Property Damage Liability
Covers damage you cause to other vehicles or property.
Required in IL
Uninsured Motorist
Protects you if you're hit by a driver with no insurance.
Collision
Pays to repair or replace your vehicle after an accident, regardless of fault.
Comprehensive
Covers theft, vandalism, hail, deer strikes, and falling tree limbs.
Underinsured Motorist
Picks up the difference when the at-fault driver's coverage isn't enough.
Medical Payments
Helps pay medical bills for you and your passengers, regardless of fault.
Rental Reimbursement
Covers a rental car while yours is being repaired after a covered loss.
Towing & Roadside
Pays for roadside assistance when your vehicle breaks down or won't start.
Have questions about the right coverage? Contact Us
Illinois Insurance Requirements
$25K
Bodily Injury / Person
$50K
Bodily Injury / Accident
$20K
Property Damage
Plus uninsured motorist bodily injury coverage at 25/50. Driving without it = fines, plate suspension, and reinstatement fees. Figures reflect Illinois Insurance Code, 215 ILCS 5/143a, as referenced by the Illinois Department of Insurance.
State Requirements
The legal insurance minimum isn't always enough.
Illinois law requires "25/50/20" liability — but the average price of a new vehicle is now over $48,000 according to Kelley Blue Book, so a single multi-car accident can blow through your property damage limit before you even think about medical bills.
What we usually recommend: liability limits of 100/300/100 with matching uninsured/underinsured motorist coverage. The cost difference is often $15–$40 a month for dramatically better protection.
Local Driving Conditions
Insurance for the way we drive in Northern Illinois
Coverage decisions look different when you factor in winter ice, fall deer, and a long commute down I-90.
Winter Weather
Ice storms and salted roads drive up collision claims from November through March.
Long Commutes
Schaumburg, O'Hare, and Chicago commutes mean higher mileage and more rush-hour risk.
Deer Strikes
Illinois drivers face roughly 1 in 141 odds of an animal collision each year, according to State Farm. Damage from a deer strike is covered under comprehensive, not collision.
Local Services
Providing Drivers Insurance Throughout Northern Illinois
Ryan P. Conway Agency is based in McHenry, Illinois, and we write auto insurance for drivers throughout Northern Illinois and Southern Wisconsin. While we concentrate in McHenry County, Lake County, and the communities along the Wisconsin border, we also serve clients in Kane County, Boone County, DeKalb County, and beyond. The cities below are just a sample of the towns we work in — if you don't see yours listed, give us a call. Chances are we already insure a neighbor or two.
- McHenry
- Crystal Lake
- Woodstock
- Algonquin
- Lake in the Hills
- Cary
- Huntley
- Marengo
- Fox Lake
- Antioch
- Wauconda
- Grayslake
- Lindenhurst
- Lake Geneva
- Genoa City
- Twin Lakes
- Walworth
- Williams Bay
McHenry
Crystal Lake
Woodstock
Algonquin
Lake in the Hills
Cary
Huntley
Marengo
Fox Lake
Antioch
Wauconda
Grayslake
Lindenhurst
Lake Geneva
Genoa City
Twin Lakes
Walworth
Williams Bay
Common Questions
Auto Insurance FAQ
How much is auto insurance in Illinois?
Illinois drivers paid an average of $1,080 a year for full coverage in 2022, the most recent year published by the National Association of Insurance Commissioners — less than the national average of $1,258. Minimum-coverage policies cost considerably less, often around $500–$600 a year. Your actual premium depends on your driving record, vehicle, age, ZIP code, credit, and coverage levels. Rates in McHenry County generally run lower than Cook County thanks to lower urban density and lower claim frequency.
Is Illinois a no-fault state?
No. Illinois is an at-fault state, which means the driver who causes an accident (and their insurance) is responsible for the other party's damages.
Do I need uninsured motorist coverage in Illinois?
Yes — Illinois requires uninsured motorist bodily injury coverage at minimum limits of 25/50. Roughly 12–15% of Illinois drivers are estimated to be uninsured, so we usually recommend matching your UM/UIM limits to your liability limits.
What happens if my auto insurance lapses?
Illinois uses an electronic verification system that checks every registered vehicle twice a year. If your policy lapses, you can receive a notice from the Secretary of State and face license plate suspension plus a reinstatement fee.
Do you offer SR-22 filings?
Yes. If you've been required to file an SR-22 due to a DUI or other violation, give us a call. We can often place coverage and file the SR-22 for you the same day.