Illinois car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Illinois?

Yes , Illinois requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/20.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Illinois car insurance laws

Illinois requires that drivers carry at least 25/50/20.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Illinois drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Illinois car insurance requirements

Illinois requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Illinois liability minimums are 25/50/20.

The average cost of a minimum coverage policy is $421. However, Geico has the lowest minimum car insurance rates, averaging $298.

The table below shows the top insurers' average rates for minimum coverage in Illinois.

Company	Average annual premium	Average monthly premium
Geico	$298	$25
Auto-Owners	$318	$26
Erie Insurance	$320	$27
Country Financial	$341	$28
State Farm	$410	$34
Travelers	$415	$35
Auto Club Group - ACG (AAA)	$461	$38
Progressive	$536	$45
Allstate	$640	$53
USAA	$482	$40

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Illinois car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $421. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Illinois.

The cheapest company for minimum coverage in Illinois is Geico at an average rate of $298 annually.

State minimum coverage limit	25/50/20
Average annual premium	$421
Average monthly premium	$35

Read our methodology

Are the Illinois minimum coverage requirements changing in 2025?

Illinois car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Illinois?

Illinois requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Illinois drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Illinois minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/20, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Illinois?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Illinois penalties for driving without car insurance

Since Illinois requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Illinois car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$500
Other penalties	Registration suspension
Jail time	No

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Illinois minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Erie Insurance has the best rates for teens with minimum coverage averaging $677. Geico offers the cheapest coverage for adults at $310.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $422, and the average rate for a 40-year-old male is $420, a difference of $2.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Erie Insurance	$807	$67
16	Country Financial	$1,102	$92
16	Auto-Owners	$1,430	$119
16	State Farm	$1,814	$151
16	Geico	$1,846	$154
16	Progressive	$1,963	$164
16	Auto Club Group - ACG (AAA)	$2,364	$197
16	Allstate	$3,222	$269
16	Travelers	$3,272	$273
16	USAA	$2,507	$209
17	Erie Insurance	$760	$63
17	Country Financial	$926	$77
17	Geico	$987	$82
17	Auto-Owners	$1,266	$106
17	State Farm	$1,569	$131
17	Travelers	$1,608	$134
17	Progressive	$1,717	$143
17	Auto Club Group - ACG (AAA)	$2,164	$180
17	Allstate	$2,458	$205
17	USAA	$1,747	$146
18	Erie Insurance	$700	$58
18	Country Financial	$803	$67
18	Geico	$917	$76
18	Auto-Owners	$1,106	$92
18	Travelers	$1,263	$105
18	State Farm	$1,342	$112
18	Progressive	$1,428	$119
18	Allstate	$1,806	$151
18	Auto Club Group - ACG (AAA)	$1,940	$162
18	USAA	$1,467	$122
19	Erie Insurance	$659	$55
19	Geico	$741	$62
19	Auto-Owners	$926	$77
19	Travelers	$988	$82
19	Progressive	$1,051	$88
19	State Farm	$1,148	$96
19	Country Financial	$1,176	$98
19	Auto Club Group - ACG (AAA)	$1,459	$122
19	Allstate	$1,505	$125
19	USAA	$1,171	$98
20	Geico	$572	$48
20	Erie Insurance	$611	$51
20	Country Financial	$652	$54
20	Auto-Owners	$779	$65
20	Travelers	$826	$69
20	Progressive	$937	$78
20	State Farm	$987	$82
20	Auto Club Group - ACG (AAA)	$1,254	$105
20	Allstate	$1,277	$106
20	USAA	$1,019	$85
21	Geico	$435	$36
21	Erie Insurance	$586	$49
21	Country Financial	$604	$50
21	Auto-Owners	$665	$55
21	Travelers	$690	$58
21	Progressive	$813	$68
21	State Farm	$830	$69
21	Auto Club Group - ACG (AAA)	$866	$72
21	Allstate	$1,045	$87
21	USAA	$780	$65
22	Geico	$388	$32
22	Erie Insurance	$530	$44
22	Country Financial	$565	$47
22	Auto-Owners	$581	$48
22	Travelers	$624	$52
22	State Farm	$739	$62
22	Progressive	$755	$63
22	Auto Club Group - ACG (AAA)	$756	$63
22	Allstate	$946	$79
22	USAA	$712	$59
23	Geico	$355	$30
23	Erie Insurance	$498	$42
23	Auto-Owners	$502	$42
23	Country Financial	$531	$44
23	Travelers	$566	$47
23	State Farm	$643	$54
23	Progressive	$695	$58
23	Auto Club Group - ACG (AAA)	$757	$63
23	Allstate	$891	$74
23	USAA	$676	$56
24	Geico	$332	$28
24	Erie Insurance	$415	$35
24	Auto-Owners	$444	$37
24	Country Financial	$502	$42
24	Travelers	$533	$44
24	State Farm	$561	$47
24	Progressive	$662	$55
24	Auto Club Group - ACG (AAA)	$723	$60
24	Allstate	$844	$70
24	USAA	$646	$54
25	Geico	$312	$26
25	Erie Insurance	$400	$33
25	Auto-Owners	$410	$34
25	Travelers	$467	$39
25	Country Financial	$476	$40
25	State Farm	$494	$41
25	Progressive	$588	$49
25	Auto Club Group - ACG (AAA)	$607	$51
25	Allstate	$796	$66
25	USAA	$606	$51
30	Geico	$301	$25
30	Auto-Owners	$317	$26
30	Erie Insurance	$340	$28
30	Country Financial	$378	$32
30	State Farm	$406	$34
30	Travelers	$457	$38
30	Auto Club Group - ACG (AAA)	$510	$43
30	Progressive	$548	$46
30	Allstate	$670	$56
30	USAA	$506	$42
35	Geico	$288	$24
35	Erie Insurance	$318	$27
35	Auto-Owners	$319	$27
35	Country Financial	$355	$30
35	State Farm	$403	$34
35	Travelers	$456	$38
35	Auto Club Group - ACG (AAA)	$488	$41
35	Progressive	$530	$44
35	Allstate	$651	$54
35	USAA	$490	$41
40	Geico	$277	$23
40	Erie Insurance	$312	$26
40	Auto-Owners	$318	$27
40	Country Financial	$348	$29
40	State Farm	$410	$34
40	Travelers	$422	$35
40	Auto Club Group - ACG (AAA)	$480	$40
40	Progressive	$524	$44
40	Allstate	$640	$53
40	USAA	$478	$40
45	Geico	$277	$23
45	Erie Insurance	$303	$25
45	Auto-Owners	$313	$26
45	Country Financial	$343	$29
45	State Farm	$413	$34
45	Travelers	$422	$35
45	Auto Club Group - ACG (AAA)	$446	$37
45	Progressive	$524	$44
45	Allstate	$640	$53
45	USAA	$470	$39
50	Geico	$267	$22
50	Erie Insurance	$296	$25
50	Auto-Owners	$304	$25
50	Country Financial	$336	$28
50	State Farm	$406	$34
50	Travelers	$422	$35
50	Auto Club Group - ACG (AAA)	$444	$37
50	Progressive	$509	$42
50	Allstate	$629	$52
50	USAA	$461	$38
55	Geico	$275	$23
55	Erie Insurance	$290	$24
55	Auto-Owners	$300	$25
55	Country Financial	$331	$28
55	State Farm	$397	$33
55	Travelers	$400	$33
55	Auto Club Group - ACG (AAA)	$401	$33
55	Progressive	$515	$43
55	Allstate	$607	$51
55	USAA	$453	$38
60	Geico	$286	$24
60	Erie Insurance	$297	$25
60	Auto-Owners	$306	$26
60	Country Financial	$331	$28
60	State Farm	$387	$32
60	Auto Club Group - ACG (AAA)	$398	$33
60	Travelers	$406	$34
60	Progressive	$514	$43
60	Allstate	$614	$51
60	USAA	$462	$39
65	Geico	$275	$23
65	Erie Insurance	$315	$26
65	Auto-Owners	$331	$28
65	Country Financial	$345	$29
65	State Farm	$387	$32
65	Travelers	$442	$37
65	Auto Club Group - ACG (AAA)	$461	$38
65	Progressive	$533	$44
65	Allstate	$622	$52
65	USAA	$478	$40
70	Geico	$296	$25
70	Erie Insurance	$346	$29
70	Country Financial	$380	$32
70	Auto-Owners	$383	$32
70	State Farm	$410	$34
70	Travelers	$473	$39
70	Auto Club Group - ACG (AAA)	$520	$43
70	Progressive	$563	$47
70	Allstate	$674	$56
70	USAA	$517	$43
75	Geico	$317	$26
75	Erie Insurance	$405	$34
75	Country Financial	$445	$37
75	Auto-Owners	$452	$38
75	State Farm	$455	$38
75	Travelers	$530	$44
75	Auto Club Group - ACG (AAA)	$547	$46
75	Progressive	$628	$52
75	Allstate	$805	$67
75	USAA	$573	$48

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Age	Company	Female annual premium	Female monthly premium
16	Erie Insurance	$684	$57
16	Country Financial	$1,033	$86
16	Auto-Owners	$963	$80
16	State Farm	$1,427	$119
16	Geico	$1,987	$166
16	Progressive	$1,790	$149
16	Auto Club Group - ACG (AAA)	$2,063	$172
16	Allstate	$3,196	$266
16	Travelers	$2,433	$203
16	USAA	$2,476	$206
17	Erie Insurance	$637	$53
17	Country Financial	$868	$72
17	Geico	$1,083	$90
17	Auto-Owners	$911	$76
17	State Farm	$1,231	$103
17	Travelers	$1,241	$103
17	Progressive	$1,559	$130
17	Auto Club Group - ACG (AAA)	$1,954	$163
17	Allstate	$2,440	$203
17	USAA	$1,719	$143
18	Erie Insurance	$602	$50
18	Country Financial	$755	$63
18	Geico	$999	$83
18	Auto-Owners	$860	$72
18	Travelers	$996	$83
18	State Farm	$1,066	$89
18	Progressive	$1,334	$111
18	Allstate	$1,798	$150
18	Auto Club Group - ACG (AAA)	$1,693	$141
18	USAA	$1,422	$119
19	Erie Insurance	$570	$48
19	Geico	$816	$68
19	Auto-Owners	$774	$65
19	Travelers	$801	$67
19	Progressive	$1,004	$84
19	State Farm	$923	$77
19	Country Financial	$1,106	$92
19	Auto Club Group - ACG (AAA)	$1,295	$108
19	Allstate	$1,487	$124
19	USAA	$1,112	$93
20	Geico	$634	$53
20	Erie Insurance	$542	$45
20	Country Financial	$614	$51
20	Auto-Owners	$695	$58
20	Travelers	$691	$58
20	Progressive	$914	$76
20	State Farm	$811	$68
20	Auto Club Group - ACG (AAA)	$1,085	$90
20	Allstate	$1,266	$106
20	USAA	$994	$83
21	Geico	$503	$42
21	Erie Insurance	$519	$43
21	Country Financial	$570	$48
21	Auto-Owners	$627	$52
21	Travelers	$597	$50
21	Progressive	$802	$67
21	State Farm	$697	$58
21	Auto Club Group - ACG (AAA)	$778	$65
21	Allstate	$1,041	$87
21	USAA	$763	$64
22	Geico	$442	$37
22	Erie Insurance	$489	$41
22	Country Financial	$534	$45
22	Auto-Owners	$583	$49
22	Travelers	$553	$46
22	State Farm	$634	$53
22	Progressive	$766	$64
22	Auto Club Group - ACG (AAA)	$711	$59
22	Allstate	$941	$78
22	USAA	$699	$58
23	Geico	$422	$35
23	Erie Insurance	$482	$40
23	Auto-Owners	$533	$44
23	Country Financial	$503	$42
23	Travelers	$527	$44
23	State Farm	$558	$47
23	Progressive	$702	$59
23	Auto Club Group - ACG (AAA)	$679	$57
23	Allstate	$887	$74
23	USAA	$670	$56
24	Geico	$402	$34
24	Erie Insurance	$459	$38
24	Auto-Owners	$495	$41
24	Country Financial	$476	$40
24	Travelers	$517	$43
24	State Farm	$506	$42
24	Progressive	$664	$55
24	Auto Club Group - ACG (AAA)	$624	$52
24	Allstate	$841	$70
24	USAA	$645	$54
25	Geico	$371	$31
25	Erie Insurance	$440	$37
25	Auto-Owners	$462	$39
25	Travelers	$453	$38
25	Country Financial	$452	$38
25	State Farm	$455	$38
25	Progressive	$610	$51
25	Auto Club Group - ACG (AAA)	$536	$45
25	Allstate	$791	$66
25	USAA	$610	$51
30	Geico	$362	$30
30	Auto-Owners	$317	$26
30	Erie Insurance	$371	$31
30	Country Financial	$362	$30
30	State Farm	$406	$34
30	Travelers	$442	$37
30	Auto Club Group - ACG (AAA)	$478	$40
30	Progressive	$572	$48
30	Allstate	$670	$56
30	USAA	$514	$43
35	Geico	$346	$29
35	Erie Insurance	$340	$28
35	Auto-Owners	$319	$27
35	Country Financial	$340	$28
35	State Farm	$403	$34
35	Travelers	$439	$37
35	Auto Club Group - ACG (AAA)	$465	$39
35	Progressive	$556	$46
35	Allstate	$651	$54
35	USAA	$498	$42
40	Geico	$319	$27
40	Erie Insurance	$327	$27
40	Auto-Owners	$318	$27
40	Country Financial	$333	$28
40	State Farm	$410	$34
40	Travelers	$407	$34
40	Auto Club Group - ACG (AAA)	$442	$37
40	Progressive	$547	$46
40	Allstate	$641	$53
40	USAA	$486	$41
45	Geico	$319	$27
45	Erie Insurance	$309	$26
45	Auto-Owners	$313	$26
45	Country Financial	$329	$27
45	State Farm	$413	$34
45	Travelers	$407	$34
45	Auto Club Group - ACG (AAA)	$420	$35
45	Progressive	$546	$46
45	Allstate	$640	$53
45	USAA	$478	$40
50	Geico	$316	$26
50	Erie Insurance	$290	$24
50	Auto-Owners	$304	$25
50	Country Financial	$323	$27
50	State Farm	$406	$34
50	Travelers	$407	$34
50	Auto Club Group - ACG (AAA)	$420	$35
50	Progressive	$525	$44
50	Allstate	$631	$53
50	USAA	$471	$39
55	Geico	$325	$27
55	Erie Insurance	$275	$23
55	Auto-Owners	$300	$25
55	Country Financial	$317	$26
55	State Farm	$397	$33
55	Travelers	$386	$32
55	Auto Club Group - ACG (AAA)	$390	$33
55	Progressive	$519	$43
55	Allstate	$607	$51
55	USAA	$462	$39
60	Geico	$326	$27
60	Erie Insurance	$275	$23
60	Auto-Owners	$306	$26
60	Country Financial	$317	$26
60	State Farm	$387	$32
60	Auto Club Group - ACG (AAA)	$389	$32
60	Travelers	$391	$33
60	Progressive	$521	$43
60	Allstate	$614	$51
60	USAA	$472	$39
65	Geico	$315	$26
65	Erie Insurance	$287	$24
65	Auto-Owners	$331	$28
65	Country Financial	$331	$28
65	State Farm	$387	$32
65	Travelers	$425	$35
65	Auto Club Group - ACG (AAA)	$452	$38
65	Progressive	$550	$46
65	Allstate	$622	$52
65	USAA	$489	$41
70	Geico	$332	$28
70	Erie Insurance	$318	$27
70	Country Financial	$364	$30
70	Auto-Owners	$383	$32
70	State Farm	$410	$34
70	Travelers	$448	$37
70	Auto Club Group - ACG (AAA)	$511	$43
70	Progressive	$570	$48
70	Allstate	$675	$56
70	USAA	$527	$44
75	Geico	$359	$30
75	Erie Insurance	$374	$31
75	Country Financial	$427	$36
75	Auto-Owners	$452	$38
75	State Farm	$455	$38
75	Travelers	$488	$41
75	Auto Club Group - ACG (AAA)	$535	$45
75	Progressive	$602	$50
75	Allstate	$802	$67
75	USAA	$584	$49

Read our methodology

Illinois minimum coverage cost by city

Champaign drivers pay the least for minimum coverage in Illinois at $421. However, Chicago pay the most at $565.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Illinois.

City	Average annual premium	Average monthly premium
Champaign	$421	$35
Springfield	$433	$36
Peoria	$442	$37
Rockford	$454	$38
Naperville	$474	$40
Elgin	$481	$40
Aurora	$482	$40
Joliet	$503	$42
Waukegan	$507	$42
Chicago	$565	$47

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Optional car insurance coverage in Illinois

Illinois requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Illinois car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Illinois?

Yes, Illinois requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/20.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Illinois?

If you're caught driving without car insurance in Illinois, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.