Car Insurance in Illinois (2026)
Illinois car insurance averages about $2,207 per year for full coverage. Rates vary dramatically between Chicago and downstate — Chicago drivers may pay 40-60% more due to congestion, theft, and accident frequency. Illinois requires both liability and uninsured motorist coverage. The state uses a modified comparative negligence system. Illinois drivers benefit from a competitive market with many national and regional carriers offering quotes.
$2,207
$184/mo
25/50/20
BI per person/accident/PD
-5%
Below average
State Farm
Most popular in state
Compare Illinois Car Insurance Rates
Enter your ZIP code to see personalized rate estimates from top Illinois carriers.
Top Car Insurance Companies in Illinois
Illinois Minimum Coverage Requirements
Illinois requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage per accident. Uninsured motorist coverage of 25/50 is also required.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Illinois
Illinois Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Illinois Department of Insurance and get personalized quotes from carriers.