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Car Insurance in Illinois (Updated May 2024)

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Illinois Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Illinois however, drivers are paying 3% less for car insurance than the national average, with Full Coverage costing Illinois drivers an average of $183 per month

Similar to other states, the rates in Illinois can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Illinois. Read on to learn more about properly insuring your car in Illinois. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Illinois Car Insurance Laws

Illinois vehicle owners must have adequate liability coverage before operating a vehicle. In 2020, Illinois initiated an Electronic Liability Insurance Verification program for all Illinois-registered vehicles. The program verifies insurance coverage twice each year. Anyone without coverage may face fines or penalties unless they can prove coverage.

Illinois’s car insurance minimums are:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $20,000 for property damage
  • $25,000 for uninsured motorist (UM) bodily injury per person
  • $50,000 for uninsured motorist bodily injury per accident

Some drivers may need underinsured motorist bodily injury insurance if their UM coverage is above state-specified minimum limits.

Proof of Insurance

Illinois does not offer a new car insurance grace period. You must obtain liability coverage before driving [a new car]. ” 

The penalties for driving without insurance in Illinois include a minimum $500 fine and license plate suspension. If you're caught driving with suspended license plates, you may incur a second fine of up to $1,000. Violators must demonstrate they have appropriate insurance and pay a $100 reinstatement fee to reinstate their plates.

Illinois does not offer a new car insurance grace period. If you purchase a new or used vehicle, you must obtain liability coverage before driving it. Owners who obtain a lease or loan may need comprehensive or collision insurance to comply with their loan agreement.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Illinois?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Illinois?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Illinois?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.