Illinois Auto Insurance

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Illinois Auto Insurance Coverage

auto liability coverage

Liability

Covers damage you cause to someone else including bodily injury and property damage.

hailing on car

Comprehensive

Covers non-collision damages such as theft, vandalism and natural disasters.

car crash

Collision

Coverage that pays for damages to your own car when you're in an at-fault accident.

car being towed

More Options

More options for rental car, roadside assistance, GAP coverage, medical payments and more.

See all auto insurance coverage options.

Illinois auto insurance requirements

The Illinois Department of Insurance states you must carry the following minimum coverages:

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $20,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
  • Underinsured Motorist Bodily Injury: Required if you purchase higher limits of Uninsured Motorist Bodily Injury coverage.

These are minimums and we always recommend more adequate coverage.

Our minimum recommendation

Bodily Injury Liability: $100,000 per person / $300,000 per accident
Property Damage Liability: $100,000 per accident
Uninsured Motorist Bodily Injury: $100,000 per person / $300,000 per accident
Underinsured Motorist Bodily Injury: $100,000 per person / $300,000 per accident

Comprehensive and Collision coverage, often referred to as full coverage, are not required by the state. However, if you have a loan on your vehicle, your lender will require you to have full coverage.

Average auto insurance cost in Illinois

According to Kaggle, the average cost for auto insurance in Illinois is $878 per year. This is for policies with minimum coverage and liability only. Of course, if you have adequate coverage as we discussed above, you're likely going to see a higher rate.

For example, adding Comprehensive and Collision coverage will probably more than double your rate.

This puts Illinois as the 22nd most expensive state for auto insurance. Michigan is the highest at $2,352 per year and South Dakota is the cheapest at $336 per year.

Average auto insurance cost in the region

State Average annual cost
Kentucky $1,338
Missouri $874
Illinois $878
Tennessee $577
Wisconsin $486
Indiana 498
Iowa $357

Frequently Asked Questions

The average cost of car insurance in Illinois is $878 per year for minimum coverage.

The following minimum coverage is required by state law in Illinois. 

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $20,000
  • Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
  • Underinsured Motorist Bodily Injury: Required if you purchase higher limits of Uninsured Motorist Bodily Injury coverage.

These are minimums and we always recommend more adequate coverage.

Compared to surrounding states Illinois auto insurance rates are on the higher end.

We compared 7 neighbor states and Illinois is the 3rd most expensive.

Kentucky is the most expensive with an average of $1,388/yr and Missouri is second at $874/yr.

No. Typically when people say full coverage they're referring to Comprehensive and Collision. Neither are required by state law in Illinois.

However, if you have a loan on your car, the lender is likely going to require you to have Comprehensive and Collision coverage.

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