Minimum car insurance requirements in Illinois
The minimum car insurance requirements in Illinois are 25/50/20 in liability limits. State minimum coverage pays for injuries and property damage you cause to others, but does not cover damage to your own vehicle.
- 25/50/20 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Illinois is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State Minimum Requirements | 25/50/20 |
| State minimum car insurance | $462 |
| Liability-only car insurance | $503 |
| Full coverage car insurance | $1,901 |
Average cost of car insurance in Illinois
Car insurance in Illinois costs an average of $1,901 per year, for full coverage insurance with 100/300/100 liability limits and $500 deductibles. Minimum coverage costs an average of $462 annually.
Rates vary based on insurer, ZIP code, driving record, vehicle type and coverage selections. Drivers with clean records and good credit pay lower premiums.
| Average annual premium | $1,901 |
| Average monthly premium | $158 |
Cheapest car insurance companies in Illinois
GEICO has the cheapest average full coverage car insurance in Illinois.
Different companies calculate risk differently, so prices can vary significantly for the same driver. Comparing multiple companies can help drivers find lower prices and better coverage.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| GEICO | $325 | $403 | $1,451 |
| Travelers | $574 | $622 | $1,455 |
| Auto Club Group - ACG (AAA) | $568 | $558 | $1,834 |
| Erie Insurance | $316 | $358 | $2,018 |
| Auto-Owners | $398 | $454 | $2,031 |
| Country Financial | $347 | $374 | $2,060 |
| Progressive | $622 | $702 | $2,166 |
| Allstate | $653 | $704 | $2,869 |
| USAA | $453 | $504 | $1,638 |
Illinois car insurance rates by age group
Age plays a role in car insurance rates. In Illinois, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Illinois based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $5,925 |
| Young Adults (20-24) | $3,048 |
| Adults (25-60) | $1,924 |
| Seniors (65-75) | $1,805 |
Illinois car insurance costs by coverage level
Generally, Illinois minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Illinois car insurance costs based on coverage level below.
| State minimum car insurance | $462 |
| Liability-only car insurance | $503 |
| Full coverage car insurance | $1,901 |
Cheapest car insurance companies in Illinois by driver profile
If you have a violation or accident on your record, you can expect to pay more for car insurance in Illinois. The highest rates in Illinois are for drivers with Bad Credit. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.
Comparing quotes becomes especially important for high-risk drivers because insurers apply rate increases differently.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $1,901 | $2,942 | $1,041 | 55% |
| Bad Credit | $1,901 | $3,756 | $1,855 | 98% |
| Careless driving | $1,901 | $2,847 | $947 | 50% |
| Claims | $1,901 | $2,270 | $369 | 19% |
| DUI | $1,901 | $3,231 | $1,330 | 70% |
| Reckless driving | $1,901 | $3,202 | $1,302 | 68% |
| Speeding | $1,901 | $2,575 | $674 | 35% |
| Texting ticket | $1,901 | $2,415 | $515 | 27% |
How much does car insurance cost in Illinois per month?
The average monthly cost of car insurance in Illinois depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium | Average annual cost |
|---|---|---|
| State Minimum BI/PD | $38 | $462 |
| Liability Only - 50/100/50 BI/PD | $42 | $503 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $158 | $1,901 |
Car insurance discounts in Illinois
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Illinois, savings can be very different from one company to another.
Common car insurance discounts include:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving discount
- Multi-vehicle discount
- Anti-theft device discount
- Telematics discount
- Paperless billing discount
Ask about all available discounts before purchasing coverage.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Anti-Theft Device | $1,901 | $1,876 | $25 | 2% |
| Comp and Coll Deductibles | $1,901 | $1,554 | $347 | 18% |
| Daily Commute | $1,901 | $1,779 | $122 | 6% |
| Days Advanced Purchase | $1,901 | $1,718 | $183 | 8% |
| Days Per Week Driven | $1,901 | $1,835 | $65 | 3% |
| Education | $1,901 | $1,852 | $49 | 3% |
| Electronic Funds Transfer | $1,901 | $1,825 | $76 | 4% |
| Electronic Signature | $1,901 | $1,711 | $190 | 10% |
| Homeowner | $1,901 | $1,770 | $131 | 7% |
| Lower Annual Mileage | $1,901 | $1,759 | $142 | 7% |
| Loyalty - Years Renewal With Company | $1,901 | $1,678 | $223 | 10% |
| Marital Status | $1,901 | $1,759 | $142 | 9% |
| Multi Policy | $1,901 | $1,711 | $190 | 9% |
| Paperless/Electornic Documents | $1,901 | $1,839 | $62 | 3% |
| Payment Type | $1,901 | $1,718 | $183 | 10% |
| Primary Use | $1,901 | $1,735 | $165 | 8% |
| Profession | $1,901 | $1,707 | $194 | 10% |
| Safety Devices | $1,901 | $1,833 | $68 | 3% |
| Telematics | $1,901 | $1,706 | $195 | 10% |
| Years Insured | $1,901 | $1,431 | $469 | 21% |
How to lower car insurance costs in Illinois
You can reduce your insurance rates in Illinois by shopping around, bundling policies and qualifying for discounts.
Common ways to lower insurance costs include:
- Compare quotes from multiple insurers
- Raise your deductibles
- Maintain a clean driving record
- Bundle insurance policies
- Drive a lower-cost vehicle
- Ask about available discounts
- Remove unnecessary coverage from older vehicles
Regularly reviewing coverage can help drivers avoid overpaying.
Car insurance rates in Illinois by model year
The vehicle you drive also affects Illinois car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Illinois car insurance rates below.
Compare accord insurance rates by state
| Company | Style | Average annual premium |
|---|
Compare auto insurance rates by city in Illinois
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Illinois will impact what you pay. Below, we've gathered Illinois car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Arlington Heights | $1,659 |
Aurora | $1,688 |
Chicago | $2,421 |
Joliet | $1,574 |
Car insurance premium trends in Illinois
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Illinois to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Coverage recommendations and insurance comparisons are based on commonly available personal auto insurance policies and state insurance requirements.
Example coverage scenarios use the following assumptions unless otherwise noted:
- 40-year-old driver
- Honda Accord LX
- Good credit
- Clean driving record
- 12,000 annual miles driven
- Full coverage with 100/300/100 liability limits
- $500 collision and comprehensive deductibles
Additional data comparisons include:
- State minimum liability requirements
- Multiple deductible levels
- Optional coverage endorsements
- High-risk driver scenarios
- Multiple vehicle values and driver profiles
Coverage examples are for comparison purposes only. Actual premiums, requirements and coverage availability vary by insurer and driver profile.
Illinois car insurance coverage guide: FAQ
How much is car insurance in Illinois?
Car insurance in Illinois costs an average of $1,901 annually for full coverage and $462 annually for minimum coverage.
Which company has the cheapest car insurance in Illinois?
GEICO offers the cheapest average full coverage rates in Illinois.
What does full coverage car insurance include?
Full coverage includes liability insurance and all coverages required by state law, plus collision and comprehensive coverageComprehensive coverage helps pay for damage to your car caused by events other than a collision, such as theft, fire, vandalism, or natural disasters. It is subject to a deductible. for damage to your own vehicle after covered losses.
Why does car insurance cost more after a DUI or accident?
Insurance companies raise premiums after violations because drivers with DUIs and accidents are statistically more likely to file future claims.
Compare Illinois car insurance rates with other states
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