Car Insurance in Illinois
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Introduction: Car Insurance in Illinois
Illinois has over 8 million licensed drivers, making it a crucial state for auto insurance. Whether you’re driving through Chicago’s busy highways, suburban roads, or rural farmlands, car insurance in Illinois is a legal requirement for all motorists.
Illinois also has competitive car insurance rates compared to the national average. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Illinois is $1,549, which is lower than the national average of $1,674.
Illinois Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/20 Rule)
According to the Illinois Department of Insurance (IDOI), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $20,000 for property damage per accident
✔ Uninsured Motorist Coverage (UM): $25,000 per person/$50,000 per accident
Why Minimum Coverage May Not Be Enough:
- Medical costs after an accident can easily exceed $25,000.
- Vehicle repairs may cost more than $20,000, especially for newer cars.
- Illinois has a moderate number of uninsured drivers, making UM coverage essential.
Recommended Full Coverage for Better Protection
For better financial security, many Illinois drivers choose full coverage:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Important in urban and rural areas |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Essential since some drivers lack insurance |
| Medical Payments Coverage (MedPay) | Covers medical bills regardless of fault | Beneficial for drivers without health insurance |
Average Cost of Car Insurance in Illinois
Car insurance rates in Illinois vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Illinois Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $688 |
| Full Coverage | $1,549 |
Car Insurance Costs by Major Florida Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Chicago | $1,100 | $2,500 |
| Aurora | $780 | $1,950 |
| Naperville | $750 | $1,900 |
| Rockford | $720 | $1,850 |
| Joliet | $770 | $1,950 |
| Springfield | $700 | $1,800 |
| Peoria | $690 | $1,750 |
| Elgin | $740 | $1,850 |
| Waukegan | $750 | $1,900 |
| Champaign | $690 | $1,750 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $3,800 – $5,800 | $6,500 – $8,500 |
| 20-24 Years | $1,900 – $2,800 | $3,800 – $5,200 |
| 25-34 Years | $1,200 – $1,900 | $2,800 – $3,800 |
| 35-44 Years | $1,000 – $1,700 | $2,500 – $3,500 |
| 45-54 Years | $950 – $1,500 | $2,300 – $3,200 |
| 55+ Years | $900 – $1,400 | $2,000 – $3,000 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident rates. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Illinois
Several factors influence car insurance rates in Illinois, including:
- Driving Record: Accidents and speeding tickets increase premiums.
- Credit Score: Illinois allows insurers to consider credit history when calculating rates.
- Annual Mileage: More miles driven = higher risk of accidents.
- Location: Urban areas like Chicago have higher rates due to traffic congestion and theft.
- Vehicle Type: Luxury and sports cars cost more to insure.
- Coverage Level: Full coverage is more expensive than minimum liability.
- Marital Status: Married drivers often receive lower premiums.
Best Car Insurance Companies in Illinois (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,400 |
| State Farm | Best for Customer Service | $1,500 |
| Progressive | Best for High-Risk Drivers | $1,700 |
| Allstate | Best Full Coverage Options | $1,900 |
| USAA | Lowest Rates for Military | $1,300 |
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FAQs
Illinois law requires 25/50/20 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $20,000 for property damage.
The average minimum coverage costs around $57 per month, while full coverage averages $129 per month.
Smaller cities like Springfield and Champaign tend to have lower rates compared to Chicago.
Yes, Illinois law mandates uninsured motorist coverage of at least $25,000 per person/$50,000 per accident.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help reduce costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.