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Minimum State Insurance Requirements » Illinois

20 / 40 / 15

Personal injury insurance for the driver: $20,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $40,000

Property damage coverage per claim: $15,000



Illinois Car Insurance Information

Whether they hail from Chicagoland or downstate, thousands of Illinois drivers rely on for up-to-date Illinois car insurance information including statistics on average annual premiums, minimum insurance requirements, and safety information like DUI penalties and more. The site also provides a comprehensive database of the lowest car insurance rates in the state.

Illinois Car Insurance Information

The 5th-largest state by population, Illinois encompasses a diverse cross-section of America. In the north, Chicago’s congested highways and icy winters make for treacherous driving. The central part of the state is a broad, flat, nearly treeless area of fertile farmland where much of the nation’s corn is grown and which also experiences severe winter weather; in the south, rugged hills rich with coal present their own driving difficulties.

Good insurance is a must for Illinois drivers no matter where they live. Fortunately, the state is the cheapest in the nation, with drivers paying on average just $803 per year. A local no-fault law and low coverage minimums contribute to the favorable rates. Although the rate of uninsured drivers is higher than the national average, at 15 percent, this has not yet affected Illinois insurance premiums.

Car Insurance Minimum Requirements

Illinois drivers must carry insurance coverage of at least 20/40/15. This translates to $20,000 of personal injury liability, $40,000 of per-accident liability, and $15,000 of property damage liability coverage. Compared to other states, these figures are all slightly lower than average. For the Midwest region, where insurance tends to be somewhat cheaper, they are about average.

Car Insurance Companies

As a large state with a clear urban-rural divide, Illinois is home to two types of insurance companies: large national outfits centered around the Chicago area and smaller independent agencies that populate the small agricultural towns downstate. Consolidation in recent years has affected Chicago-area drivers, reducing the number of choices while raising rates slightly. Beyond the city limits, however, smaller agencies are thriving as the time-tested family relationships they enjoy with their clients remain stronger than ever. Falling property crime rates in the state have also contributed to its current low rates.

Free Car Insurance Quotes For Illinois

Finding low car insurance rates in Illinois is a snap thanks to It does the hard work of sorting through the state’s hundreds of independent insurance agencies to bring drivers the best possible Illinois car insurance information at the lowest prices. Just type a zip code or vehicle make and model into the search box at and let the deals come rolling in!

Car Insurance Rates

Not only are Illinois drivers blessed with beautiful roads and a vibrant state culture, they also enjoy the lowest insurance rates in the country at just $803 on average per year, or $67 per month. To the north, Wisconsinites pay more than double that rate! Of Illinois’ neighbors, Indiana has the next-best rates, but its drivers still pay more than $200 more per year. Remember to use to save even more!