Illinois Car Insurance Calculator
Calculate your auto insurance cost in Illinois. Compare with state averages and find savings.
$1,678
Avg Annual Premium
25/50/20
Min Liability
Monthly Avg
$140
Full Coverage
$2,234
Min Coverage
$589
Uninsured Rate
12.3%
Illinois Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$20,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Illinois
Chicago trafficUrban crime ratesWinter weather
Major Metro Areas in Illinois
ChicagoAuroraNapervilleRockfordSpringfield
FAQ
Illinois Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Illinois
The average annual car insurance premium in Illinois is $1,678, or about $140 per month. Full coverage averages $2,234 annually, while minimum coverage averages $589. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Illinois requires minimum liability coverage of 25/50/20 ($25,000/$50,000 for bodily injury and $20,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting Illinois car insurance rates include: Chicago traffic, Urban crime rates, Winter weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 12.3% of drivers in Illinois are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Illinois car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Illinois include: State Farm, GEICO, Progressive, Allstate, Country Financial. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
IL Insurance Costs
Average premiums in Illinois:
- Annual Average$1,678
- Monthly Average$140
- Full Coverage$2,234
- Minimum Coverage$589
IL Requirements
Minimum coverage required:
- Liability25/50/20
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate12.3%
Top IL Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •Country Financial