Lauren Lewthwaite Last Updated On: August 2, 2023

A Guide to Car Insurance in Illinois

If you are one of the many drivers in the Prairie state, not only will you need car insurance, but you’ll also need information on how car insurance works in the state of Illinois. 

Well, good news! That’s exactly what we’re here to do. This article will provide you with answers to all your questions about Illinois car insurance. 

Let’s dive right into it, shall we?

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Table of Contents

How Much Car Insurance do I Need in Illinois?

There are two ways to answer this question: the legal way, and the personal way.

Don’t worry, we’re going to answer both ways. Let’s start with the legal one. 

Minimum Coverage Requirements in Illinois

It is illegal to drive without insurance and doing so will result in legal and financial penalties. Plus it’s incredibly dangerous, so please just get proper insurance.

Each state lays out its own minimum coverage requirements which describe the absolute minimum amount of coverage that drivers are legally obligated to carry. The car insurance requirements in Illinois are as follows:

  • $25 000 per person and $50 000 per accident for Bodily Injury Liability Coverage 
  • $20 000 per accident for Property Damage Liability Coverage 
  • $25 000 per person and $50 000 per accident for Uninsured/Underinsured Motorist Bodily Injury Coverage

That’s how much car insurance coverage you have to carry. But this doesn’t necessarily describe how much car insurance you should carry, which brings us to the personal answer to our question. 

Evaluating Car Insurance Needs

Each and every person comes from different circumstances, so it’s only natural that their insurance needs will be different too.

For most people, insurance experts recommend a full coverage car insurance policy. In addition to the minimum coverage requirements, full coverage policies also provide coverage for…

  • Damages to vehicle caused in an accident (Collision Coverage) 
  • Damages to vehicle due to other causes such as weather or vandalism (Comprehensive Coverage 

A full coverage policy offers a decent amount of coverage at an affordable price, which is why it’s the most commonly recommended. 

There are also additional coverages that you can purchase to flesh out your Illinois auto insurance policy: 

  • Loan/lease payoff: this coverage provides additional protections for loaned or leased vehicles by factoring in the depreciated value of the vehicle since the loan was initially taken out.
  • Medical and funeral services: this coverage helps pay for medical expenses incurred due to an accident and, if needed, funeral expenses as well.  
  • Rental car reimbursement:this coverage applies to the cost of renting a vehicle while yours is being repaired or replaced.
  • Roadside assistance: this coverage provides access to roadside services in situations such as a flat tire or dead battery.  
  • Uninsured/underinsured motorist property damage: this coverage applies when the other party does not have sufficient insurance to pay for the property damages they are at fault for.

When choosing a car insurance policy, you have to consider your budget alongside the coverages you’d find most useful. Speaking to an insurance expert (like us at Consumer Coverage!) can help you make an informed decision.

How Much is Car Insurance in Illinois?

It’s important to know what the average price of car insurance in Illinois is so that you can evaluate whether or not you are getting a good deal.

Car insurance prices are determined by a variety of factors, including:

  • Age 
  • Credit score 
  • Driving history 
  • Claims history 
  • Policy type 
  • Deductible size 

All car insurance quotes in Illinois will be different because there are so many variables to consider.

Keeping that in mind, the average annual cost for car insurance in Illinois is:

  • $1395 for a full coverage policy 
  • $516 for a minimum coverage policy 

Both of these figures are well below the national average paid in the US, making it easy to get low cost car insurance in Illinois

We recommend that you use these average prices as a baseline to compare your Illinois auto insurance quotes against. For example, if you are an experienced driver with a clear driving and claims history, you can expect to pay at or below the average. And if you’re quoted well above the average, don’t go with that company.

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Which Illinois Cities Have the Best Car Insurance Prices?

Location also plays a large role in pricing car insurance because each city has a different quantity of drivers, claims, etc. Here’s some average prices in a few Illinois cities to give you an idea of how their prices differ: 
  • Naperville – $1 431
  • Aurora – $1 463
  • Rockford – $1 504
  • Joliet – $1 573  
  • Chicago – $2 171
These prices can give you context to consider your own quotes against. For example, a driver in Chicago should expect to pay more than one in Aurora.  

Where Can I Find the Best Coverage in Illinois?

According to studies done by, these are the five insurance companies in Illinois known for providing quality service at affordable prices:
  • USAA
  • Erie Insurance 
  • State Farm
  • Travelers 
Start your search for cheap auto insurance in Illinois by getting quotes from these companies.

How do I Find the Cheapest Car Insurance in Illinois?

We get it. You don’t just want a good car insurance policy; you want a good policy at an even better price. And we at ConsumerCoverage want that for you too.

In order to find affordable auto insurance in Illinois without sacrificing quality, follow these tips: 

  • Compare Quotes Yearly: The highly competitive insurance market means that companies are constantly offering new deals. Get quotes from as many companies as possible to find the best price on the market and revaluate every year before you renew to ensure you’re still with the cheapest company. 
  • Practise Safe Driving: Your driving history has a huge effect on your insurance premiums. By practising safe driving, you’re keeping both your driving and claims records clear and preventing an increase in price. 
  • Qualify for Discounts: Insurers actually offer a lot of discounts that are easy to qualify for. See if you are or could become eligible for any discounts offered by your insurer. Some common ones are:
  • Consult the Experts: You can’t be expected to know everything about insurance. But we can! Insurance experts at ConsumerCoverage know all the ins and outs of car insurance, including how to find cheap car insurance in Illinois. 

Each of these strategies goes a long way in securing low-cost auto insurance in Illinois.

What Should I Do Now?

With all the information in this article, you are fully equipped with the necessary knowledge to find affordable car insurance in Illinois!

Get started today by accessing free Illinois car insurance quotes through ConsumerCoverage. 

Or contact us at ConsumerCoverage with any further questions or queries. We’re always delighted to provide assistance.

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