Illinois car insurance

Whether it's the heavy traffic in the Windy City or the notoriously frigid winters, drivers in the Prairie State need reliable car insurance. Learn more about Illinois auto insurance laws and regulations, discounts you could earn, and how to get Illinois car insurance quotes through Progressive.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Illinois minimum car insurance requirements?

Illinois drivers are required to carry car insurance. Drivers must have liability coverage limits of at least:

$25,000 in bodily injury per person
$50,000 in total bodily injury per accident
$20,000 in property damage per accident

You should consider increasing your liability limits to cover your total net worth. Learn more about auto liability insurance.

Is uninsured motorist coverage required in Illinois?

Illinois also requires uninsured motorist coverage and underinsured motorist bodily injury coverage (UM/UIM BI) with the following minimum limits:

UM/UIM BI: $25,000 per person, $50,000 per accident

UM/UIM BI covers medical expenses for you and your passengers if you are hit by a driver who has little or no insurance.

Bundle & save a bundle! You could get cheaper car insurance in Illinois by bundling your home and auto insurance policies with Progressive — new customers nationwide who save bundling home and auto save over 20% on average.^*

Comprehensive and collision coverage protects your ride

Adding comprehensive coverage and collision coverage can be beneficial, particularly if your vehicle is more expensive. These coverages pay for repair or replacement of your car if it's stolen, in an accident, or damaged by another covered incident. Keep in mind that if you lease or finance your vehicle, physical damage coverages are usually required by your lender.

See all Progressive auto insurance coverages.

How much does car insurance in Illinois cost?

In 2020-2021, the average cost for an auto liability-only policy (single driver/single car) in Illinois with Progressive was $74 per month.^** Rates vary based on a number of factors, including your ZIP code, driving history, and the limits and coverages you select.

What discounts can I earn with Illinois auto insurance?

Progressive offers a wide range of discounts, such as:

Homeowner
Multi-policy
Active anti-theft device
Paid in full
Online quote
Good student
Five-year accident-free

See all auto insurance discounts.

Pro tip:

With our Name Your Price^® tool, you tell us how much you want to pay — then we'll show you coverage options within your budget.

Unique facts about driving & car insurance in Illinois

Illinois ranked ninth in 2019 for reported motor vehicle thefts in the country. With comprehensive coverage, you can protect your car against theft.
In 2019, an estimated 11.8% of drivers in Illinois were uninsured.
Both drivers and passengers are required to wear a seat belt in Illinois. Not wearing one could get you pulled over, so make sure you buckle up for safety — and to avoid a ticket.