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Compare Illinois Auto Insurance Quotes
Comparing auto insurance in Illinois is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Illinois drivers face a mix of Chicago-area congestion, suburban commuting, rural highways, winter weather, hail and storm exposure, and animal-collision risk. IDOT reported 303,913 total motor vehicle crashes in Illinois in 2024, with crashes involving deer accounting for 4.7% of total crashes.
Illinois premiums can vary between Chicago, Cook County suburbs, collar counties, Rockford, Peoria, Springfield, Champaign-Urbana, Metro East, small towns, and rural counties because traffic density, theft risk, commute mileage, garaging ZIP code, vehicle type, local claim patterns, weather exposure, driver history, and coverage choices differ across the state.
Illinois Minimum Coverage Requirements
Minimum Limit
25/50/20 + UM 25/50
$25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $20,000 property damage liability per accident, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident
Fault System
At Fault
PIP
Offer/Rejection Rule
Illinois does not require PIP for standard private passenger auto policies. Illinois DOI lists medical payments coverage as optional coverage that can help pay medical and funeral expenses for the insured or passengers, even if the insured caused the accident.
UM/UIM
Required
Illinois requires uninsured motorist bodily injury coverage with minimum limits of $25,000 per person and $50,000 per accident. Underinsured motorist bodily injury coverage is required when a driver buys uninsured motorist bodily injury limits above the minimum required limits.
Recent rate data estimates Illinois annual auto insurance premiums at about $3,384 for full coverage and $419 for minimum coverage.
Illinois auto insurance rate estimates - actual quotes may vary
Driver Profile
Estimated Annual Premium
Clean record, 35, full coverage
~$3,384/yr
Clean record, 35, minimum required coverage
~$419/yr
NerdWallet June 2026 Illinois rates for a 35-year-old driver with good credit and a clean driving record; full coverage shown as $282/month and minimum coverage as $419/year.
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, discounts, claims history, and carrier.
Liability vs. Full Coverage in Illinois
Illinois minimum coverage focuses on required protection such as $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $20,000 property damage liability per accident, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Liability Coverage: Covers damage or injuries you cause to others, up to the policy limits.
Collision Coverage: Covers damage to your vehicle in a crash, subject to your deductible and policy terms.
Comprehensive Coverage: Protects against many non-collision losses such as theft, vandalism, weather damage, fire, flood, falling objects, and animal collisions, depending on the policy.
Full Coverage: Typically refers to liability plus collision and comprehensive coverage. It is not a standardized legal term.
SR-22 and High-Risk Insurance in Illinois
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Illinois uses SR-22 filings for certain financial responsibility situations. The Illinois Secretary of State describes SR-22 as a certificate of insurance filed directly by an authorized insurance company, and SOS materials state that once filed, the SR-22 must be maintained for 36 months.
Illinois Secretary of State materials reviewed for this page refer to SR-22 financial responsibility filings, not FR-44. Do not publish FR-44 as a standard Illinois requirement.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Teen Driver Insurance in Illinois
Adding a teen driver to your Illinois auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Discounts for Illinois Drivers
Insurance partners may offer various discounts to Illinois drivers, including:
Multi-policy discount (bundling auto and home insurance)
Good driver discount (no accidents or violations)
Good student discount (for students with good grades)
Low mileage discount (driving fewer miles per year)
Safety features discount (anti-theft devices, airbags, etc.)
Illinois DOI lists possible discounts for anti-theft devices, auto/home packages, carpooling, college students away from home, defensive driving for drivers over 55, good drivers, good students, low annual mileage, mature drivers, multiple vehicles, and safety devices such as airbags, automatic seatbelts, and anti-lock brakes.
Ask about available discounts when comparing quotes.
Carrier rankings are based on NAIC 2024 Illinois total private passenger auto group-level direct written premium market share. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Top Cities in Illinois
Find auto insurance in these major Illinois cities:
Note: Only featured cities have dedicated pages. Other cities are served through our main Illinois page.
Frequently Asked Questions
How much is car insurance in Illinois?
The estimated average cost of car insurance in Illinois is $3,384 per year for full coverage and $419 per year for minimum required coverage, based on NerdWallet’s June 2026 Illinois rate data for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, deductibles, discounts, credit-based insurance score where used, and carrier.
What is the minimum car insurance required in Illinois?
Illinois requires at least 25/50/20 liability coverage: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $20,000 property damage liability per accident. Illinois also requires uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident.
Are PIP and uninsured motorist coverage required in Illinois?
PIP is not required in Illinois. Medical payments coverage is optional. Uninsured motorist bodily injury coverage is required at minimum limits of 25/50, and underinsured motorist bodily injury coverage is required when a driver buys uninsured motorist bodily injury limits above the state minimum.
Does Illinois require SR-22 insurance?
Illinois may require an SR-22 filing in certain financial responsibility cases. An SR-22 is not a separate insurance policy; it is a certificate filed by an authorized insurer with the Illinois Secretary of State to prove required coverage is in place.
Can I get same-day car insurance in Illinois?
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
How can Illinois drivers lower their car insurance cost?
Illinois drivers can compare quotes, keep a clean driving record, ask about defensive-driver, good-driver, good-student, low-mileage, multi-car, bundling, safety-device, anti-theft, and mature-driver discounts, review deductibles, and avoid lapses in coverage.
Last Updated: June 15, 2026
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
