Illinois Car Insurance FAQ - Quick Answers

The average cost of car insurance in Illinois is $1,079 per year, coming in lower than the national average of $1,311 annually. To save money on your car insurance premiums, consult with a local professional for quotes.

Illinois car insurance policies come with automatic coverages, and the most commonly used are listed below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a collision with an unavoidable object such as an animal.
  • Collision: Pays for a collision with another vehicle, animal, or property.

As an Illinois driver, you are required to carry the following minimum liability limits in order to use the roadways:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $20,000 in property damage liability
  • $25,000 per person/$50,000 per accident in uninsured motorist liability 

Even though auto coverage is required in Illinois, there are still some that don't follow the law. Currently, Illinois has 13.7% of its driving population uninsured. 

In Illinois, you'll be required by state law to carry the minimum limits of liability and underinsured motorist coverage. 

Yes. In Illinois, you could qualify for the following discounts under your auto insurance policy:

  • Multiple policy discount: When you have more than one policy with the same carrier
  • Loyalty discount: When you've been with the same carrier for a number of years
  • Association discount: When you're part of an association that partners with the carrier
  • Claims free discount: When you haven't filed a claim within a certain period of time

Do You Know What Your Illinois Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Mount Vernon151.42$984
Orland Park35.10.44$858
Tinley Park33.60.8$846