- Car Insurance
- Auto Insurance by State
- Illinois Car Insurance
Get an Illinois car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Illinois
Illinois drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programIllinois minimum car insurance requirements (25/50/20)
It's illegal to drive without car insurance in Illinois. To drive legally, you need to have at least the following coverage amounts and minimums in Illinois.4
Coverage | Amount |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $20,000 per accident |
Find more information through the Illinois Department of Insurance.
Average car insurance cost in Illinois, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Illinois is about $1,788 per year.
Illinois drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap insurance in Illinois?
Finding the cheapest car insurance in Illinois may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate