What are the minimum car insurance requirements in Illinois?

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.

Illinois also requires uninsured/underinsured 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 combining your home and auto policies with Progressive — new customers who save bundling home and auto save over 20% on average.*

Comprehensive and collision coverage protects your ride

Adding comprehensive 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.

See all Progressive auto insurance coverages.

How much does car insurance in Illinois cost?

In 2020, the average cost for an auto liability-only policy in Illinois with Progressive was $125 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
  • Smart technology
  • Paid in full
  • Online quote
  • Good student
  • Five-year accident-free

See all auto insurance discounts.

Unique facts about driving & car insurance in Illinois

  1. Illinois ranked tenth in 2018 for reported motor vehicle thefts in the country. With comprehensive coverage, you can protect your car against theft.

  2. In 2015, an estimated 13.7% of drivers in Illinois were uninsured. With uninsured motorist coverage, you're protected if the other driver can't pay.

  3. 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.

How to get car insurance in Illinois


Answer simple questions and then select your coverages.

Call a rep

A licensed representative can help guide you through the process.

Through an agent

Connect with a local agent in your area.