Car Insurance in Illinois
Illinois drivers spend an average of $1,153 a year on auto insurance according to the NAIC — ▼ −10% versus the national average of $1,282, ranking 24th most expensive of 51. The state requires 25/50/20 liability coverage and follows an at-fault system.
Average car insurance cost in Illinois
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $598 for liability, $440 for collision and $219 for comprehensive ($1,257 combined, versus $1,439 nationally). That average expenditure is 16% higher than the NAIC's previous data year ($994).
Minimum car insurance requirements in Illinois
Illinois's minimum is written as 25/50/20: $25,000 per person / $50,000 per accident in bodily injury liability and $20,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $720 a year here, $220 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $20,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Illinois does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage must be included in an amount equal to uninsured motorist limits when those limits exceed the minimum. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Compare with another state
Is Illinois a no-fault state?
No — Illinois is an at-fault (tort) state. Illinois is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.
Uninsured drivers in Illinois
The Insurance Research Council estimates 15.2% of Illinois drivers are uninsured — 17th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 7 on the road. Illinois requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.
SR-22 requirements in Illinois
Illinois uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. The Secretary of State requires SR-22 insurance for three years after uninsured-crash suspensions and unpaid judgments, among other cases.
By our model, a driver in their 30s with a DUI would pay about $945 a year for minimum coverage in Illinois, versus $500 with a clean record. What is SR-22 insurance?
Estimate your premium in Illinois
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Car insurance by city in Illinois
We cover 12 Illinois cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Quincy ($1,220) and the highest in Chicago ($1,615).
- ChicagoPop. 2,721,308 · Cook County$1,615+17% vs state
- AuroraPop. 180,710 · Kane County$1,435+4% vs state
- NapervillePop. 153,124 · DuPage County$1,480+7% vs state
- JolietPop. 151,837 · Will County$1,410+2% vs state
- RockfordPop. 147,486 · Winnebago County$1,330−4% vs state
- ElginPop. 114,701 · Kane County$1,425+3% vs state
- SpringfieldPop. 112,949 · Sangamon County$1,260−9% vs state
- PeoriaPop. 111,696 · Peoria County$1,280−7% vs state
- ChampaignPop. 91,961 · Champaign County$1,280−7% vs state
- WaukeganPop. 88,570 · Lake County$1,415+3% vs state
- DecaturPop. 68,763 · Macon County$1,250−9% vs state
- QuincyPop. 38,786 · Adams County$1,220−12% vs state
Estimated cost by driver profile in Illinois
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Illinois.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,370 | $1,985 | $3,800 | $317 |
| Young adult (22) | $795 | $1,155 | $2,210 | $184 |
| Adult in their 30s | $500 | $720 | $1,380 | $115 |
| Adult in their 50s | $460 | $665 | $1,270 | $106 |
| Senior (72) | $560 | $810 | $1,545 | $129 |
| 30s, one at-fault accident | $720 | $1,050 | $2,005 | $167 |
| 30s, DUI on record | $920 | $1,335 | $2,555 | $213 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $500 | $42 | $410–$590 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $720 | $60 | $590–$855 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,380 | $115 | $1,135–$1,630 |
Cheapest and most expensive cars to insure in Illinois
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,925 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| GMC Acadia | Midsize SUV | $910 |
| Chevrolet Traverse | Midsize SUV | $910 |
| Subaru Forester | Small SUV | $1,005 |
| Subaru Crosstrek | Small SUV | $1,015 |
| Subaru Outback | Wagon | $1,030 |
| Honda Pilot | Midsize SUV | $1,030 |
| Honda CR-V | Small SUV | $1,035 |
| MINI Cooper | Subcompact car | $1,045 |
| Acura RDX | Luxury SUV | $1,095 |
| Ford Bronco | Midsize SUV | $1,095 |
| Model | Segment | Est. / year |
|---|---|---|
| BMW M4 | Luxury sports car | $3,835 |
| BMW M3 | Luxury car | $3,800 |
| Lamborghini Urus | Luxury SUV | $3,675 |
| BMW 7 Series | Luxury car | $3,325 |
| Mercedes-Benz S-Class | Luxury car | $2,725 |
| Lucid Air | Luxury car | $2,535 |
| Mercedes-Benz G-Class | Luxury SUV | $2,290 |
| Audi RS 7 | Luxury car | $2,250 |
| Porsche Taycan | Luxury sports car | $2,120 |
| Mercedes-Benz SL-Class | Luxury sports car | $2,090 |
Cheap car insurance in Illinois: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $90 a year on a typical Illinois full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,085 to $720.
- Drive less, pay less. Low-mileage and usage-based programs can save around $95 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $305 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Illinois Department of Insurance
The Illinois Department of Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- idoi.illinois.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-866-445-5364
Illinois vs. neighboring states
Frequently asked questions
How much is car insurance in Illinois?
NAIC data puts the average Illinois auto insurance expenditure at $1,153 a year, 10% less than the national average of $1,282 (rank 24 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,380 a year ($115 a month); state-minimum liability is about $500.
What is the minimum car insurance required in Illinois?
Illinois requires at least 25/50/20 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage, plus uninsured motorist coverage.
Is Illinois a no-fault state?
No. Illinois is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage.
How many drivers in Illinois are uninsured?
The Insurance Research Council estimates that about 15.2% of Illinois drivers are uninsured, ranking 17th in the nation (national estimate: 15.4%).
Does Illinois require SR-22 insurance?
Yes, Illinois uses the SR-22 certificate for drivers who must prove financial responsibility, typically for about 3 years. The Secretary of State requires SR-22 insurance for three years after uninsured-crash suspensions and unpaid judgments, among other cases.
Which Illinois city has the cheapest car insurance?
Among the 12 cities we cover, Quincy has the lowest full-coverage estimate at about $1,220 a year, while Chicago is the highest at about $1,615. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Illinois?
An 18-year-old on their own full-coverage policy would pay roughly $3,800 a year in Illinois by our estimate, or about $1,370 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Illinois?
Contact the Illinois Department of Insurance (consumer line 1-866-445-5364). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Illinois Department of Insurance: Auto Insurance
- Illinois Department of Insurance: Auto Insurance Shopping Guide
- 215 ILCS 5/143a-2 (underinsured motorist coverage)
- Illinois Secretary of State: Financial Responsibility (SR-22) Insurance
- Illinois Secretary of State: Proof of Financial Responsibility - SR-22
- Illinois Department of Insurance: How to File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index