120+ more*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on September 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on September 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
Coverage | Minimum Requirement in Illinois |
|---|---|
| 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 |
Illinois requires drivers to have liability insurance with limits of at least 25/50/20. You also need uninsured motorist (UM) coverage matching your liability limits. Illinois’ requirements are similar to those in other states, though the UM requirement is less common.
But UM can be valuable, because about 16% of Illinois drivers are uninsured, according to the Insurance Information Institute.[1]
Illinois drivers need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage. That’s similar to limits in many other states. Bodily injury liability coverage helps pay for injuries you cause to others in an accident, up to your policy limits.
For example, if you injure two people in an accident, your policy would pay up to $25,000 for each person, up to the $50,000 per accident limit.
Illinois drivers must have at least $20,000 of property damage liability coverage. Property damage liability coverage helps pay for damages you cause to others’ property in an accident.
For example, if you cause an accident that totals the other driver’s $40,000 vehicle, your policy would cover up to $20,000. You’d potentially have to pay the remaining $20,000 out of pocket.
While optional in many states, Illinois requires drivers to have uninsured motorist (UM) bodily injury coverage. Your UM limits must be the same as your bodily injury liability limits. UM helps cover your injuries if a driver without insurance hits you. If you purchase higher UM limits, Illinois law requires you to purchase underinsured motorist coverage as well.[2]
Check rates from the Prairie State’s top insurers and save money in minutes
Illinois’ minimum car insurance requirements satisfy state law, but they may not provide sufficient financial protection in a serious accident. For example, if you cause an accident involving a new or expensive vehicle, you could easily exceed your policy limits. You’d be responsible for paying any remaining costs out of pocket.
The table below shows Illinois’ minimum car insurance requirements.
Coverage Type | Illinois Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000/$50,000 |
| Property damage liability | $20,000 |
| Uninsured motorist bodily injury | $25,000/$50,000 |
| Underinsured motorist coverage | Required when UM limits exceed $25,000/$50,000 |
| Collision | Not required |
| Comprehensive | Not required |
Illinois law doesn’t require collision or comprehensive coverage. But if you lease or finance your vehicle, your lender may require both coverages to protect its investment. The exact coverage limits depend on the terms of your loan or lease agreement.
The state of Illinois follows an “at-fault” or “tort” insurance system. Under an at-fault system, the person at fault for an accident is responsible for the other driver’s property damages and injuries.
The average cost of Illinois car insurance is $83 per month for liability-only coverage and $162 per month for full coverage. That’s typically slightly cheaper than the national monthly averages of $98 and $187.
Illinois’ minimum 25/50/20 requirements are similar to those of many other states, which explains why liability rates are close to the national average. Purchasing additional coverage, like collision or comprehensive insurance, usually costs more than liability coverage because the insurer takes on more risk.
When choosing your car insurance limits in Illinois, it’s a good idea to consider how much coverage you need. For example, if you cause $25,000 in vehicle damage in an accident, minimum property damage liability insurance would cover only $20,000. But you can purchase higher limits and additional coverage for more financial protection.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $41 |
| State Farm | $45 |
| Certainly | $59 |
| Country Financial | $62 |
| Progressive | $62 |
| Direct Auto | $64 |
| The General | $64 |
| GEICO | $66 |
| Allstate | $67 |
| Erie | $68 |
| First Chicago | $69 |
| USAA | $72 |
| GAINSCO | $76 |
| Safeco | $76 |
| American Family | $78 |
| Bristol West | $82 |
| Mercury | $82 |
| National General | $82 |
| Freedom National | $89 |
| Elephant | $93 |
| Clearcover | $95 |
| First Acceptance | $96 |
| Dairyland | $98 |
| Travelers | $99 |
| Insurify Car | $101 |
| Farmers | $105 |
| Root | $107 |
| Liberty Mutual | $109 |
| Hugo | $114 |
| Mendota | $114 |
| State Auto | $139 |
Illinois drivers may face the following penalties for driving without car insurance:
Minimum $500 fine: If law enforcement stops you or you’re in an accident and can’t provide proof of car insurance, you may receive a citation. If convicted, you could face a minimum $500 fine.
Minimum $1,000 fine: If you drive a vehicle with suspended plates for an insurance violation, you may face a minimum $1,000 fine.
License plate suspension: For a first offense, your license plate remains suspended until you purchase minimum liability insurance and pay a $100 reinstatement fee. Repeat offenders face a four-month suspension and a $100 reinstatement fee.[3]
Compare quotes and get the coverage you need to stay legal in Illinois
Illinois drivers can benefit from coverage beyond the state’s minimum requirements. Some additional coverages to consider include:
Collision coverage: Collision insurance helps pay to repair or replace your vehicle after a collision, regardless of fault.
Comprehensive coverage: Comprehensive insurance covers non-collision damage from things like hail, flooding, animals, theft, and vandalism. Illinois recorded more than 14,000 deer-related crashes in 2024, according to the Illinois Department of Transportation (IDOT).[4] That makes comprehensive coverage an important consideration.
Medical payments (MedPay): MedPay helps cover medical bills for you and your passengers after an accident.
Rental reimbursement coverage: Rental coverage helps pay for rental car costs while you wait for vehicle repairs.
Roadside assistance: Roadside assistance helps cover the cost of services like towing, jump-starts, and tire changes.
Below, we answer some common questions about car insurance requirements in Illinois.
Illinois lawmakers passed Senate Bill 714 in August 2026, which allows the state to challenge excessive rate hikes. You can learn more about the bill on the Illinois Secretary of State website.[5]
No: 25/50/25 typically represents minimum liability coverage limits in many states. It means you need $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 of property damage liability coverage. Full-coverage car insurance usually has higher liability limits and includes comprehensive and collision coverage.
Yes. It’s illegal to drive without auto insurance in Illinois. All drivers in the state must have $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 of property damage liability coverage.
You can face fines and registration suspension for driving without liability insurance in Illinois. A first offense for driving without insurance carries a minimum $500 fine. Driving with a suspended registration due to an insurance violation carries a minimum $1,000 fine. The Illinois Secretary of State verifies insurance coverage for every registered vehicle in the state twice per year.
In Illinois, you can show proof of insurance with physical or digital insurance ID cards. Many insurers offer same-day coverage and allow you to download a digital card immediately.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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