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Is gap insurance required in Illinois?

I’m car shopping and I think I’ve found the perfect vehicle for my needs. Even though I have some cash, I’ll still need to take out a loan. I just want to know if I need to budget a bit more for gap insurance. Does Illinois legally require gap insurance?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Gap insurance
 is not required by law in
Illinois
, so you technically don’t need to budget for it.
However, gap insurance might be a good investment based on your finances. Gap insurance covers the difference between your loan balance and the actual cash value of your car if you’re in an accident where the car is totaled. If you don’t have gap insurance, you’re on the hook to pay the difference.
Gap insurance isn’t required in Illinois, but rest assured, your lender will require you to have
full coverage car insurance
 car insurance. This type of coverage can get expensive, so make sure to use the
Jerry
 app to compare rates.
Jerry is a licensed insurance broker and insurance comparison tool that collects quotes from over 55 top-rated insurers in just 45 seconds. After you find a great rate, Jerry can help you buy new insurance and cancel your old policy. Users save an average of $800+ per year on car insurance.
MORE:
When your car is totaled and you don’t have gap insurance
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