Illinois car insurance: minimums, prices and your estimate
Illinois requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
Illinois is an at-fault state where uninsured motorist coverage cannot be turned down entirely: every policy must carry at least 25/50 of it. Its $20,000 property damage minimum is lower than the $25,000 many states require.
Starting January 1, 2027, electric micromobility devices will be exempt from the Illinois insurance requirement, while the minimum limits stay the same.
- Legal minimum
- 25/50/20
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (3 years after revocation)
What drivers in Illinois can expect to pay
Monthly ranges from our model, anchored to Illinois's position in 7 published price studies from 2025 and 2026 ($2,669 a year for full coverage and $748 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $192-$253 | $2,669 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $53-$71 | $748 |
| Young driver, full coverage20, own policy, clean record | $356-$534 | $5,338 |
| Senior, full coverage70, clean record | $183-$243 | $2,562 |
| After one at-fault accident35, full coverage | $287-$380 | $4,003 |
| After a DUI35, full coverage | $334-$502 | $5,018 |
| Poor credit35, clean record, full coverage | $341-$491 | $4,991 |
Build your Illinois estimate
Rules worth knowing in Illinois
- Uninsured motorist bodily injury coverage is set at your bodily injury liability limits unless you decline, in writing, the part above 25/50.
- If your uninsured motorist coverage is above 25/50, the policy must also include underinsured motorist coverage at the same limit. With 25/50 uninsured coverage, no underinsured coverage is required.
- Insurers must offer uninsured motorist property damage coverage with a deductible of no more than $250, but you do not have to sign a rejection to skip it.
- Illinois does not require personal injury protection, and medical payments coverage is optional.
- Insurers may use credit, but not a score that uses income, gender, address, ethnic group, religion, marital status or nationality. Credit alone cannot be the reason your policy is denied, canceled or not renewed, and you can ask to be re-rated at your annual renewal.
- After certain license revocations, Illinois requires you to keep proof of insurance on file for three years, in the form of an SR-22 that your insurer files with the Secretary of State.
Questions about Illinois car insurance
What is the minimum car insurance in Illinois?
Illinois requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
How much is car insurance in Illinois per month?
For a 35-year-old with a clean record, our model puts full coverage at about $192 to $253 a month and state-minimum coverage at about $53 to $71. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Illinois a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Illinois use my credit score?
Yes. Many insurers in Illinois use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Illinois?
Only if a court or the state requires one, usually after a serious violation or a lapse. After certain license revocations, Illinois requires you to keep proof of insurance on file for three years, in the form of an SR-22 that your insurer files with the Secretary of State.