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 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 type | State requirements |
|---|---|
| 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.
Is Illinois a no-fault insurance state?
No. Illinois is an at-fault state. A driver found responsible for an accident may be liable for resulting injuries and property damage. Illinois also uses a modified comparative negligence rule, which can reduce or prevent recovery based on a person's share of fault.
Illinois policies must include Uninsured Motorist Bodily Injury coverage at the required minimum limits. Review current limits and requirements through the Illinois Department of Insurance.
What is “full coverage” car insurance in Illinois?
“Full coverage” is not a legal term or a single coverage. It commonly refers to a policy that includes liability coverage plus Collision coverage and Comprehensive coverage to help protect the insured vehicle.
Some drivers may also add Medical Payments coverage or higher liability and UM/UIM limits. A lender or leasing company will typically require Collision and Comprehensive coverage on a financed or leased vehicle.
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 car 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
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Illinois car insurance FAQs
A policy commonly described as “full coverage” still has limits, deductibles, exclusions, and conditions. Collision and Comprehensive coverage generally pay up to a vehicle's actual cash value after a covered loss, subject to the deductible and policy terms.
Routine wear and tear, mechanical breakdown, and personal belongings stolen from a vehicle are generally not covered by auto insurance. Liability coverage is also limited to the amounts selected on the policy.
You may be able to save by bundling auto with home, condo, or renters insurance, insuring multiple vehicles, going paperless, maintaining a clean driving record, or choosing a higher deductible. Eligible drivers may also earn savings through RightTrack®.3
Reviewing your policy at renewal can help make sure your limits, deductibles, and optional coverages still fit your vehicle and budget.
Illinois uses an electronic insurance verification program to identify vehicles without confirmed coverage. Driving or maintaining a registered vehicle without required insurance may lead to fines, plate or registration suspension, reinstatement requirements, and other penalties. Review current information through the Illinois Department of Insurance.
A driver who causes an accident while uninsured may also be personally responsible for resulting injuries and property damage.
The least expensive policy is not always the best fit. Compare quotes using the same limits and deductibles, review available discounts, and choose coverage that reflects your vehicle, budget, and financial risk.
A personalized quote can help you compare the cost of different coverage levels.
The best insurer depends on the combination of price, coverage, service, and discounts that matters most to you.
Liberty Mutual offers customizable auto insurance coverage options so Illinois drivers can build a policy around their needs.
Illinois requires minimum bodily injury and property damage liability limits, along with Uninsured Motorist Bodily Injury coverage.
If you select higher Uninsured Motorist limits, Underinsured Motorist coverage may also be required. Confirm current amounts and conditions through the Illinois Department of Insurance shopping guide.
Rural drivers may encounter wildlife, farm equipment, severe weather, and longer distances between services. Comprehensive coverage may help with covered non-collision losses such as hail, flooding, or an animal strike, while Collision coverage may help with covered crash damage.
Higher liability limits and 24-Hour Roadside Assistance may also be worth considering based on how and where you drive.