Illinois Minimum Coverage Car Insurance: Requirements and Costs (2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byRae Osborn
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Updated: May 20, 2024

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To meet the minimum car insurance requirements in Illinois, drivers must have liability coverage with limits of $25,000 for bodily injury per person, $50,000 per accident and $20,000 for property damage per accident.

They also need uninsured/underinsured motorist coverage matching the bodily injury limits. Illinois operates under an at-fault system, meaning the driver responsible for the accident bears the financial responsibility for damages caused. For those seeking the cheapest car insurance in Illinois, state minimum coverage can cost as low as $32 per month.

Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the Illinois Department of Insurance to give you the most accurate cost data for a range of Illinois drivers.

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These rates reflect the cost of minimum coverage car insurance requirements in Illinois as of June 2024.

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Illinois Minimum Coverage Car Insurance Requirements

In Illinois, to legally drive a vehicle, you must carry the state minimum coverage for car insurance, which includes:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $20,000 for property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident

The cost of your car insurance premium in Illinois will be influenced by the state being a fault state, meaning that the person responsible for causing a car accident is also responsible for paying any resulting bills. This can affect how much you pay for insurance, as insurers consider the potential costs if you're at fault in an accident.

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ARE COLLISION AND COMPREHENSIVE COVERAGE REQUIRED IN ILLINOIS?

Illinois does not mandate drivers to carry collision or comprehensive coverage. Financing or leasing companies often do require this coverage to cover damage due to accidents, theft or natural disasters Therefore, while not required by state law, carrying collision or comprehensive insurance is essential for financed or leased vehicles in Illinois.

What Liability Insurance Covers
What Liability Insurance Doesn't Cover

Injuries to others if you are at fault in an accident

Your injuries

Damage to another person’s property if you are at fault in an accident

Damages to your car

Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy

Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

Repairs for weather-related accidents or if you were hit by an animal

The table reflects Illinois state minimum car insurance inclusions: bodily injury, property damage and uninsured motorist coverage. Coverage specifics depend on individual policy terms and conditions.

Average Cost of Minimum Coverage Car Insurance in Illinois

Age is a key factor influencing the cost of your minimum coverage auto insurance. In Illinois, drivers between the ages of 22 and 29 typically face the highest premiums. This is due to these younger drivers being statistically more likely to be involved in accidents, leading insurers to view them as higher risk. The table outlines the average minimum coverage auto insurance costs by age group in Illinois.

22-29Annual Premium$463Monthly Premium$39
30-59Annual Premium$383Monthly Premium$32
60 +Annual Premium$387Monthly Premium$32

Cheapest Companies for Minimum Coverage Car Insurance in Illinois

Illinois residents looking for economical state minimum coverage auto insurance can find the lowest annual rates with Mercury and Auto-Owners.

  • Mercury: $271 per year and $23 per month
  • Auto-Owners: $329 per year and $27 per month

Ensuring you meet the state minimum requirements with an insurance plan that's cost-effective is, but it's equally important to select the best car insurance in Illinois that aligns with your individual needs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
MercuryAnnual Premium$271Monthly Premium$23
Auto-Owners Insurance CoAnnual Premium$329Monthly Premium$27
Country FinancialAnnual Premium$342Monthly Premium$28
WestfieldAnnual Premium$368Monthly Premium$31
GEICOAnnual Premium$378Monthly Premium$31
American FamilyAnnual Premium$421Monthly Premium$35
ErieAnnual Premium$432Monthly Premium$36
TravelersAnnual Premium$451Monthly Premium$38

Optional Add-On Coverages in Illinois

In Illinois, you can have optional add-on coverages, including uninsured/underinsured motorist coverage, and comprehensive, collision and gap insurance. These can protect against a variety of incidents and financial losses not covered by how much car insurance you need the state minimum. Although not required by law, they may safeguard your finances following accidents, theft or natural disasters.

Add-On Coverage
What It Covers
What It Doesn't Cover

Uninsured/Underinsured Motorist Coverage

Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance.

Damage to your vehicle if you are at fault or damages that exceed policy limits.

Personal Injury Protection (PIP)

Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault.

Vehicle damage or injuries to the other driver.

Roadside Assistance

Services like towing, flat tire changes and jump-starts when your car breaks down.

Cost of parts or repairs needed after the tow.

Gap Insurance

Pays the difference between your car's current value and what you still owe if it's totaled or stolen.

Vehicle depreciation or overdue loan payments.

Rental Car Reimbursement

The cost of a rental car while your vehicle is being repaired after a covered event.

Fuel, insurance or other rental extras.

Penalties for Driving Without Insurance in Illinois

The cost of a ticket for driving without insurance in Illinois varies if you've been caught before. First-time offenders face a fine, whereas repeat offenders encounter relatively steeper penalties. Consequences in Illinois escalate with repeat offenses, including higher fines and longer suspensions.

Additional penalties for driving without insurance can include:

  • Vehicle impoundment, along with applicable fees: Your car may be taken away, and you'll have to pay costs related to its tow and storage.
  • Suspension of your vehicle registration: Authorities can suspend your car's registration, preventing you from driving it.
  • License suspension, coupled with a reinstatement fee: Your driving privilege may be temporarily withdrawn, necessitating a fee to restore your license once eligible.
  • Mandatory SR-22 insurance filing: You might need to complete an SR-22 — a document proving that you carry the required insurance — which will raise your insurance premiums for years.
  • A potential jail term: If you are involved in an accident while uninsured, your sentence may be up to six months.

Maintaining minimum coverage for your vehicle is a legal requirement and avoids these severe penalties.

What to Do if Your Policy Is Canceled

If your car insurance policy is canceled in Illinois, you should immediately seek new coverage. Reach out to an insurance agent to discuss your options for a new policy or to address any issues that may have led to the cancellation.

The Illinois Secretary of State's office will be notified if you're uninsured due to an insurance company's requirement to report policy status changes. Illinois drivers whose policies have been canceled can find new coverage through various insurance companies.

The state does not offer a specific program for drivers unable to obtain insurance, but the Illinois Automobile Insurance Plan provides a way to get insured if you've been rejected by standard insurers. Always ensure you carry at least the state minimum car insurance to comply with Illinois laws.

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WHY WAS MY POLICY CANCELED?

Your car insurance policy in Illinois may have been canceled for several reasons:

  • Non-Payment: If you miss paying your premiums, the insurance company can cancel your policy.

  • Fraud: Lying on your insurance application or filing a false claim can lead to cancellation.

  • License Issues: Having your driver's license suspended or revoked will typically result in a loss of coverage.

  • High Risk: If you're deemed a high-risk driver due to multiple accidents or violations, insurers might cancel your policy.

To maintain insurance coverage make sure to keep paying your premiums.

FAQ: Illinois Minimum Coverage Car Insurance

Here, we help you understand the essential coverage needed to keep you legal on the road in Illinois.

What is the minimum car insurance coverage in Illinois?
Why does Illinois require minimum automobile liability coverage for motorists?
Do you need comprehensive insurance in Illinois?
What happens if you drive uninsured in Illinois?

About Mark Fitzpatrick


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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.