Best Auto Insurance in Illinois (2025)
Compare top-rated auto insurance companies in Illinois. Find affordable coverage that meets IL state requirements and save up to 40% on your premium.
$1,416
Avg. Annual Premium
25/50/20
Minimum Coverage
Chicago
Largest City
12.7 million
Population
Illinois Auto Insurance Requirements
Illinois requires uninsured motorist coverage at the same levels as your liability limits.
Minimum Liability Coverage: 25/50/20
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Illinois
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Illinois can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Illinois use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Illinois Auto Insurance FAQs
What is the minimum auto insurance required in Illinois?
Illinois requires minimum liability coverage of 25/50/20 (bodily injury per person/per accident/property damage). Illinois requires uninsured motorist coverage at the same levels as your liability limits.
How much does car insurance cost in Illinois?
The average annual car insurance premium in Illinois is $1,416. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Illinois?
Key factors affecting Illinois auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Chicago typically pay more than those in rural areas.
How can I find cheap car insurance in Illinois?
To find affordable car insurance in Illinois: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Illinois Quote
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