Illinois car insurance

Chicago Illinois skyline overlooking Lake Michigan

Common questions about Illinois
auto insurance

Need car insurance in Illinois? Whether you live in Chicago or Aurora, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we customize your Illinois auto insurance, so you only pay for what you need.

What car insurance is required in Illinois?

In Illinois, it's illegal to drive without insurance. Drivers in Illinois are required to have the following car insurance coverage: bodily injury to others and damage to someone else's property.

This chart shows the minimum auto insurance drivers are required to have in Illinois for these coverages.²

Coverage	Amount
Bodily Injury to Others	$25,000 per person and $50,000 per accident
Damage to Someone Else's Property	$20,000 per accident

Check out the Illinois Department of Insurance for more details.

What is the average cost of car insurance in Illinois?

The average cost of car insurance in Illinois was $1,982³ in 2024 according to thezebra.com. That's 9% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Illinois auto insurance, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Illinois state highlighted

Who has the cheapest car insurance in Illinois?

Getting the cheapest car insurance in Illinois may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴