Illinois car insurance: requirements & free quotes
Illinois requires liability and uninsured motorist coverage, and it follows an at-fault system. Congested Chicago-area expressways and harsh winters contrast with long rural drives downstate.
Minimum coverage in Illinois
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$20,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $20,000 per accident
Uninsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/20 + UM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Illinois
- Consider underinsured motorist coverage in addition to the required uninsured coverage.
- Comprehensive coverage helps with theft and weather damage in urban and rural areas alike.
- Drivers in the Chicago area often benefit from higher liability limits than the minimum.
- Bundle auto with renters or homeowners insurance to look for a multi-policy discount.
We connect drivers across Illinois
Including Chicago, Aurora, Naperville, Joliet and Rockford — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Illinois car insurance FAQ
No. Illinois is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.