Illinois drivers pay around $2,376 a year for full coverage — about 12% under the national average. The state is at-fault but mandates uninsured-motorist coverage on top of a 25/50/20 liability minimum. Here's the coverage you must carry, what Illinoisans pay, and how to find a cheaper rate.
Illinois runs on an at-fault (tort) basis but mandates uninsured-motorist bodily injury coverage alongside its 25/50/20 liability minimum. Full coverage averages roughly $2,376 a year, about 12% under the national average, though Chicago-area traffic, theft, and density push city premiums well past the statewide figure. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Illinois. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $20k | Mandatory |
| Uninsured motorist (BI) | $25k / $50k | Compulsory in Illinois |
| Personal injury protection | Not required | Illinois follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,376/yr | 12% below U.S. | Comprehensive and collision included |
| Minimum coverage | $667/yr | 21% below U.S. | Bundles the required UM |
Estimates apply national rate-increase multipliers to Illinois's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,376/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,398/yr | +43% | 2,376 × 1.43 per Bankrate |
| Speeding ticket | ~$2,946/yr | +24% | 2,376 × 1.24 per Bankrate |
| DUI on record | ~$4,467/yr | +88% | 2,376 × 1.88 per Bankrate |
| Young driver (18–24) | ~$4,752/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,039/yr | +70% | 2,376 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Illinois's statewide average sits below the national figure, but it hides a wide Chicago-versus-downstate gap — city drivers can pay double their rural counterparts. The required UM coverage adds protection at modest cost. Because credit and ZIP code create big gaps between carriers, comparison shopping is especially valuable for Chicago-area drivers trying to offset higher urban rates.
Illinois is a below-average-cost state overall, with required UM coverage and a sharp urban-rural split. Weighing carriers and keeping your credit healthy is the best way to find a competitive Illinois rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Illinois are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Illinois insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.