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Car Insurance in Illinois: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Illinois drivers pay about $2,376 a year for full coverage — roughly 12% below the national average. Illinois is an at-fault state that requires uninsured-motorist coverage on top of a 25/50/20 liability minimum. Here's the coverage you must carry, what Illinoisans pay, and how to find a cheaper rate.
Avg. full coverage
$2,376/yr
≈12% below U.S. avg.
Avg. minimum coverage
$667/yr
≈21% below U.S. avg.
State minimum
25/50/20
+ UM required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−12%
Below national average
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Minimum coverage required in Illinois
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $20k | Required |
| Uninsured motorist (BI) | $25k / $50k | Required in Illinois |
| Personal injury protection | Not required | Illinois is an at-fault state |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Illinois premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,376/yr | 12% below U.S. | Comp + collision included |
| Minimum coverage | $667/yr | 21% below U.S. | Includes required UM |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Illinois estimated rates by driver profile (2026)
Estimates anchor each profile to Illinois's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$2,376/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$3,398/yr | +43% | 2,376 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,946/yr | +24% | 2,376 × 1.24 (Bankrate avg) |
| DUI on record | ~$4,467/yr | +88% | 2,376 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$4,752/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$4,039/yr | +70% | 2,376 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Illinois: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums run about 12% below the national average
- ✓Mandatory UM coverage protects against uninsured drivers
- ✓Large, competitive market with many carriers
- ✓Downstate and suburban rates are notably lower than Chicago
Works against you
- ✗Chicago-area traffic and theft raise urban premiums sharply
- ✗Credit history is a permitted rating factor
- ✗Higher population density increases claim frequency
- ✗Winter weather raises collision claims
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A closer look at car insurance in Illinois
Illinois's statewide average is below the national figure, but it masks a wide Chicago-versus-downstate gap — city drivers can pay double their rural counterparts. The required UM coverage adds protection at modest cost. Because credit and ZIP code drive big swings between carriers, comparison shopping is especially valuable for Chicago-area drivers looking to offset higher urban rates.
Bottom line
Illinois is a below-average-cost state overall, with required UM coverage and a sharp urban-rural split. Comparing carriers and keeping credit healthy is the best way to find a competitive Illinois rate.
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Frequently asked questions about Illinois car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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