Best Auto Insurance Rates in Illinois

On average, your neighbors pay $67 a month.

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Illinois is officially nicknamed “The Land of Lincoln.” Here at QuoteWizard, we’ve compiled useful insurance information, from industry and government sources that Honest Abe would have been proud of, to help Illinoisans save money on their car insurance.

This page will show you which types of coverage are legally required in Illinois and inform you about insurance laws. It also has information about the cost of driving and insights about insurance risk in Illinois.

Average Illinois Car Insurance Rates

How much is car insurance in Illinois? Depending on where you live, many Illinois drivers pay less for car insurance than the national average. The average cost of auto insurance in the state of Illinois is $803.64 per year. The national average price is $889.01.

Prices may vary depending on your zip code and the total number of claims filed.

Illinois (IL) Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

Shopping for car insurance in Illinois can seem like a lot of work. From researching companies to comparing rates, it’s easy to get overwhelmed.

Let QuoteWizard help. Fill out our easy to use (and understand) form and you’ll be well on your way to finding affordable car insurance. How? We’ll put you in touch with top insurance companies so you can compare quotes and get the best rates.

Last year, 94,266 people used QuoteWizard to compare auto insurance quotes in Illinois from top companies to get the cheapest rates.

Best Car Insurance Companies in Illinois

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Illinois. Out of the 94,266 Illinois drivers that used QuoteWizard to request insurance quotes last year, 11,674 were uninsured.

Top 10 Vehicles

These are the most common vehicles owned by Illinois drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Impala LS
  3. Chevrolet Malibu LS
  4. Chevrolet Blazer
  5. Ford Taurus
  6. Chevrolet Silverado
  7. Honda Accord EX/LX
  8. Chevrolet Cavalier
  9. Dodge Caravan
  10. Ford Focus
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Illinois Car Insurance Laws

Minimum Car Insurance Requirements in Illinois

If you drive a vehicle registered in Illinois, you must maintain a minimum level of insurance coverage of 25/50/20. This means you must have:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $20,000 of coverage for property damage liability per incident

The state of Illinois requires your signature on the Vehicle Renewal Registration Application, indicating a promise to maintain the minimum insurance requirements for the full term of your registration period.

Recommended Coverage Levels

Minimum coverage is necessary by state law, but it’s by no means all you need. If you are involved in a car crash, minimum coverage only takes care of the other driver. Also, it’s important to be aware of how easy it is for the costs of an accident to surpass the limits of the minimum liability. If this should happen, the remaining cost comes out of your wallet.

According to the a href="">III, Illinois was in the top ten for states with the most auto thefts in 2017. You may think that auto insurance only protects you when you’re driving, but comprehensive coverage covers you in case of theft. Consider adding it to your policy. And since it’s easy to exceed liability limits, we recommend:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Required Proof of Car Insurance

All drivers in Illinois must be prepared to show proof of car insurance, in the form of a car insurance identification card, to law enforcement upon request.

Failure to show valid proof of insurance is a traffic infraction. Knowingly providing false evidence of insurance coverage is a misdemeanor.

Illinois conducts random checks of registered drivers to find out if they are carrying the required insurance minimums. This check is done randomly in the form of a questionnaire asking the name of your insurance company and policy number. If you don’t have insurance or don’t return the questionnaire, your license plates will be suspended.


If you are stopped by law enforcement or get into an accident and cannot prove that you meet the minimum Illinois insurance requirements, you will face the following penalties:

  • Suspension of your vehicle’s license plates
  • A fine of at least $500 for being uninsured
  • A fine of at least at least $1,000 for operating a vehicle with suspended plates
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Financial Responsibility Insurance (SR-22) Requirements

Illinois requires Financial Responsibility Insurance (SR-22) for anyone with safety responsibility suspensions, unsatisfied judgment suspensions, revocations, mandatory insurance supervisions and anyone with 3 or more convictions for failing to maintain the state’s minimum insurance requirements. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

An SR-22 can only be obtained from an insurance company that's both authorized to write SR-22 policies in Illinois and has a power of attorney on file with the state. An SR-22 must be submitted on a Financial Responsibility certificate from the insurer’s home office and will be issued via one of the following forms:

  • Operator’s Certificate - insures you to drive vehicles you do not own
  • Owner’s Certificate - insures your own vehicle or all vehicles owned if specified
  • Operators-Owners Certificate - covers you to drive any vehicle whether owned by you or not

Illinois State law requires that an SR-22 be carried for 3 years for a first offense.

To regain your driving privileges without an SR-22, you have a few options. You can: deposit $55,000 in cash or securities with the Illinois State Treasurer, or file a surety bond. You may also file a real estate bond approved by a court of record.

State of Illinois Traffic Safety Laws

Distracted Driving Laws

The state of Illinois reports that in 2013, the use of cell phones (talking or texting) was the primary cause of at least 1,400 car accidents.

To address the problem of distracted driving in Illinois, the state legislature has enacted some of the strongest cell phone restrictions in the nation. These cell phone restrictions include:

  • Bus drivers may not use either handheld  or hands-free devices
  • Novice drivers may not use either handheld or hands-free devices
  • All drivers are banned from texting while driving
  • All drivers are banned from using handheld devices while driving
  • Drivers are also banned from all use of cell phones (handheld or hands-free) while driving in school zones or highway construction zones

These laws were designated primary. This means troopers and police can pull you over and issue a citation even if no other infraction occurred.

Implied Consent Law

This law requires that any driver submit to blood, breath, or urine testing. These tests check for alcohol or drugs when arrested by law enforcement for suspicion of driving under the influence (DUI). Refuse the test and you’ll face the following penalties in addition to those for a DUI:

  • First Offense: suspension of driver’s license for 1 year
  • Second Offense within 5 years: suspension of driver’s license for 3 years
  • Third and Subsequent Violations: suspension of driver’s license for 3 years

Illinois law also says that drivers consent to a pre-arrest preliminary breath test. You’re not required to take this test, but if you refuse and law enforcement has some other reason to suspect that you’ve been driving under the influence, you can still be arrested. And then you will be required to consent to testing.

DUI Law and Penalties

If you drive or operate a motor vehicle in the State of Illinois with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Up to 1 year in jail
  • A fine of up to $2,500
  • Minimum 1-year driver’s license suspension
  • Required installation of an ignition interlock device

The penalties for a second offense DUI conviction are:

  • Up to 1 year in jail
  • A fine of up to $2,500
  • Minimum 5-year driver’s license suspension
  • Required installation of an ignition interlock device

The penalties for a third offense DUI conviction are:

  • Between 3 and 7 years in jail
  • Up to $2,500 fine
  • Minimum 10-year driver’s license suspension
  • Required installation of an ignition interlock device

Senior Drivers in Illinois

The license renewal cycle for drivers in Illinois is every 4 years until their 81st birthday. Drivers between the ages of 81 and 86 are required to renew their licenses every 2 years. Drivers 87 and older must renew their licenses every year. In addition, when Illinoisans reach the age of 75, they must take and pass a driving test to renew their driver's licenses.

Seat Belt Laws

Illinois requires that all passengers 8 years of age and older wear seat belts in both the front and back seats of moving vehicles. Failure to comply will result in a fine of $25 plus court costs.

In 2011, over 84,017 people were cited and convicted of failing to wear seat belts in the State of Illinois.

Vehicles Registered in Another State

When you drive a vehicle in Illinois that’s required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

Car Insurance Risk in Illinois

Vehicle Thefts

Illinois had 17,451 vehicle thefts reported in 2014, a 16.5% decrease compared to 2013 when 20,896 vehicles were reported stolen. In 2014, the vehicle theft rate was 135.5 per 100,000, a decrease of 16.4% from the 2013 rate of 162.1 per 100,000.

The vehicle theft rate in Illinois is lower than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2012.

Top 10 Most Stolen Vehicles

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2000 Dodge Caravan
  2. 1999 Chevrolet Pick-Up (Small Size)M/li>
  3. 2000 Honda Civic
  4. 1997 Honda Accord
  5. 2006 Ford Pick-Up (Full Size)
  6. 2008 Chevrolet Impala
  7. 1996 Toyota Camry
  8. 2012 Chevrolet Malibu
  9. 1999 Jeep Cherokee/Grand Cherokee
  10. 1997 GMC Pick-Up (Full Size)

Uninsured Drivers

In 2012 it was estimated that 13.3% of all drivers on Illinois roads had no car insurance. This number is slightly higher than the national average of 12.6% and ranks Illinois 20th in the nation for uninsured motorists.

Top 10 Illinois Auto Insurance Companies - Market Share

Source: Illinois Department of Insurance 2014 Market Share Report
Rank Market Share Company
1 5.58% Allstate (Fire & Casualty)
2 4.26% Illinois Farmers Insurance Co.
3 4.16% Country (Preferred)
4 4.13% American Family Mutual
5 3.35% Geico
6 2.66% Progressive Northern Ins.
7 2.35% Country Mutual Ins.
8 2.04% Progressive Universal Ins.
9 1.82% American Access Cas

Illinois Department of Insurance

Anne Dowling
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