Car Insurance in Illinois
Figures updated on
Illinois drivers' costs, the legal minimum and the cheapest insurer.
- $115.average monthly cost for full coverage.
- 25/50/20.lowest liability limits allowed.
- 29th of 51.the most expensive state (1st = highest).
How much car insurance costs in Illinois
With full coverage, the average Illinois driver pays $1,383 each year, or about $115 monthly. Policies with only the legal minimum cost an average of $649 a year. The amount comes in 14% below the US average, which is $1,613 a year.
| Coverage in Illinois | Per year | Per month |
|---|---|---|
| Liability | $649 | $54 |
| Collision | $473 | $39 |
| Comprehensive | $261 | $22 |
| Full coverage (all three) | $1,383 | $115 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Illinois legal minimum coverage
In Illinois, the required liability coverage is at least 25/50/20. The limits are $25,000 per injured person, $50,000 for all people hurt in one crash and $20,000 when other people's property is damaged.
A driver who causes a crash in Illinois pays through their liability cover. This is the at-fault rule.
Both uninsured and underinsured motorist cover are required.
Source: Illinois Secretary of State, Mandatory Insurance (VSD 361).
How many drivers in Illinois are uninsured?
In 2023, about 15% of Illinois drivers had no car insurance, the 17th highest share among the 51. If an uninsured driver hits you, uninsured motorist cover pays your bills.
First written on