What is the average cost of car insurance in Illinois?
Illinois drivers paid an average of $1,017 a year for full coverage (liability, collision and comprehensive) in 2019, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s cheaper than the national average of $1,204 per year for full coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
What are the minimum car insurance requirements in Illinois?
A car insurance policy with a minimum amount of liability coverage is required in Illinois, as it is in almost all states. However, minimum coverage may not be the full extent of coverage you want.
As of October 2022, 25/50/20 liability coverage limits are the minimum required in Illinois.
COVERAGE TYPE
ILLINOIS MINIMUM REQUIREMENTS
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
COVERAGE TYPE
Bodily injury liability
ILLINOIS MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
ILLINOIS MINIMUM REQUIREMENTS
$20,000 per accident
COVERAGE TYPE
Uninsured motorist bodily injury
ILLINOIS MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
What does car insurance typically cover in Illinois?
A typical car insurance policy in Illinois includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft. Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
Illinois car insurance discounts
Farmers offers a variety of discounts for drivers in Illinois. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Illinois.
Route 66
Also known as the Mother Road, this iconic U.S. highway starts in Chicago, Illinois, and runs 2,448 miles west to Los Angeles. From 1926 until the interstate system displaced it, it served as the main route of western migration. — National Park Service
More coverage options in Illinois
Illinois home insurance
Learn more about what home insurance in Illinois covers, available discounts and more.
Learn From Experience
Still have questions about cars and insurance in Illinois? We have answers.
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What Is Uninsured Motorist Coverage?
No matter where you live, some drivers will inevitably fail to buy insurance or allow their insurance to expire. Uninsured motorist or UM coverage provides coverage in these situations.
