About Illinois Auto Insurance
Illinois drivers pay an average of $1,445 per year for full coverage auto insurance, 4% less than the national average of $1,500. This makes Illinois around average for car insurance costs nationally, ranking #30 out of 51 states and territories.
Illinois uses a traditional at-fault insurance system, meaning the driver who caused an accident is financially responsible for damages. This can result in lower base premiums but exposes you to liability from lawsuits.
Your actual rate will depend on your driving record, vehicle, age, and coverage choices. We recommend comparing quotes from at least 3-5 carriers.
Illinois Minimum Coverage Requirements
Illinois requires all registered vehicles to carry minimum liability insurance of $25k/50k/20k. This notation means:
- • $25,000 bodily injury liability per person injured
- • $50,000 total bodily injury liability per accident
- • $20,000 property damage liability per accident
Illinois also requires uninsured/underinsured motorist (UM/UIM) coverage with minimums of $25k per person. This protects you if you're hit by a driver without adequate insurance.
What Affects Illinois Auto Insurance Rates
Chicago metro has highest rates
UM/UIM coverage required
Harsh winters affect claims
How to Save on Illinois Auto Insurance
- ✓Compare Chicago vs downstate rates
- ✓UM coverage already included - check limits
- ✓Multi-policy bundling effective
Driving Risk Factors in Illinois
These factors are used by insurers to set rates in Illinois:
| Risk Factor | Illinois | National Avg | Rating |
|---|---|---|---|
| Traffic Fatalities (per 100k) | 10.4 | 12.8 | Below Average |
| Vehicle Thefts (per 100k) | 257 | 282 | Average |
| Most Stolen Vehicle | Chevrolet Malibu | ||
Illinois ranks #41 for traffic fatalities and #27 for vehicle theft among all 50 states.
What This Means for Insurance Rates
Illinois's below-average risk profile for both traffic fatalities and vehicle theft helps keep insurance rates more competitive compared to higher-risk states. If you drive a Chevrolet Malibu, consider adding comprehensive coverage with a low deductible.
Data: NHTSA FARS 2022, NICB Hot Spots Report 2022
Average Auto Insurance Rates in Illinois
The average annual auto insurance premium in Illinois is:
That's $120/month for full coverage
National avg: ~$$1,500/year
Top Auto Insurance Companies Operating in Illinois
Illinois Auto Insurance FAQ
What is the minimum car insurance required in Illinois?
Illinois requires minimum liability coverage of $25k/$50k/$20k. Uninsured/underinsured motorist coverage is also mandatory.
Is Illinois a no-fault or at-fault state?
Illinois is an at-fault (tort) state. The driver who caused the accident is responsible for the other party's damages. You would file a claim against the at-fault driver's insurance.
How much does car insurance cost in Illinois?
The average annual car insurance premium in Illinois is $1,445, which is 4% below the national average of $1,500. Rates vary significantly based on your driving record, age, vehicle, and ZIP code within the state.
Data Sources & Methodology
The information on this page is compiled from authoritative sources:
- •NAIC↗ — National Association of Insurance Commissioners complaint data
- •State DOI — State Department of Insurance rate filings
- •U.S. Census Bureau↗ — Population and demographic data
Insurance quotes and actual premiums will vary based on individual factors. This content is for informational purposes only.