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 auto insurance requirements?

Drivers in Illinois are required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) coverage at the following minimum car insurance limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$20,000 per accident
UM/UIM bodily injury	What it coversYour medical expenses an uninsured or underinsured driver causes	Minimum amount$25,000 per person $50,000 per accident

While these are Illinois' minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Illinois a no-fault state?

No. Illinois is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Illinois?

For a liability-only policy from Progressive, car insurance costs an average of $92.14 per month in Illinois.^* That said, your rate will depend on many car insurance cost factors like where you live, your driving history, and the limits and coverages you choose.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in Illinois?

Finding the best car insurance in Illinois means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Illinois get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in Illinois, here's how much drivers nationwide saved on average after switching to Progressive compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $920 on average^††
GEICO customers who switch and save with Progressive save $757 on average^§
State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Illinois?

To lower your car insurance cost in Illinois, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Illinois is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Illinois' state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator to find which ones are recommended for you.

Illinois driving resources

From Schaumberg to Joliet to Champaign, get to know Illinois' driving laws and resources. These resources apply to Evanston, Naperville, and everywhere in between, and local municipalities may have additional laws and resources.

Illinois Department of Motor Vehicles: Find out how to get or renew your Illinois license and registration.
Illinois Traffic Safety: Review Illinois safe driving and rules of the road.
Illinois driving FAQs: Learn how to get a copy of your driving record or how to renew or replace your license.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.