Auto Insurance in Illinois
No-Fault / PIP State — Illinois drivers pay an average of $1,558/year for full-coverage auto insurance — near the national average across the nation for cost.
Illinois Minimum Liability Requirements
State law requires a minimum of 25/50/20 (bodily injury per person / per accident / property damage). These minimums are the legal floor — not a recommendation. A single serious accident can easily exceed these limits and expose you to personal liability.
Key Illinois Auto Insurance Factor
Illinois premiums are moderate overall, but Chicago drivers pay significantly more than the state average. IL is not a no-fault state.
What Full Coverage Includes in Illinois
- Liability: Covers injuries and property damage you cause to others (required by law)
- Collision: Covers damage to your vehicle from an accident
- Comprehensive: Covers theft, weather, fire, and non-collision damage
- PIP (Personal Injury Protection): Required in Illinois — covers your medical bills regardless of fault
- Uninsured/Underinsured Motorist: Protects you from drivers with no or insufficient coverage
Frequently Asked Questions
What is the average cost of auto insurance in Illinois?
The average annual cost of full-coverage auto insurance in Illinois is $1,558/year. Rates vary based on your driving record, vehicle type, ZIP code, age, and coverage levels. Use our estimator above to get a personalized figure.
What are Illinois's minimum auto insurance requirements?
Illinois requires minimum liability coverage of 25/50/20 (bodily injury per person / per accident / property damage). Illinois is a no-fault state, so PIP coverage is also required. These are legal minimums — most financial experts recommend carrying significantly higher limits.
Is Illinois a no-fault auto insurance state?
Yes, Illinois is a no-fault state. This means your own PIP (Personal Injury Protection) coverage pays for your medical expenses after an accident regardless of who was at fault. Illinois premiums are moderate overall, but Chicago drivers pay significantly more than the state average. IL is not a no-fault state.
How can I lower my auto insurance premium in Illinois?
Common ways to reduce your premium in Illinois include: maintaining a clean driving record, bundling auto and home insurance, raising your deductible, qualifying for good driver or good student discounts, and shopping multiple insurers annually. Use the estimator above to see how different coverage levels affect your estimated premium.