Auto Insurance in Illinois
Whether you’re navigating Chicago’s crowded streets or driving the open roads of rural Illinois, having the right auto insurance is legally required. Here’s what Illinois drivers need to know about coverage options, pricing trends by city, and how to save.
Minimum Auto Insurance Requirements in Illinois
Illinois is an at-fault state, meaning the driver who causes the accident is financially responsible for damages. To drive legally in Illinois, your auto insurance policy must include at least:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability
- $25,000/$50,000 uninsured motorist bodily injury coverage
Illinois minimum auto insurance requirements are based on information provided by the Illinois Department of Insurance and are current as of 2025. For the most accurate and up-to-date details, consult a licensed insurance provider or visit the official Illinois Department of Insurance website.
These are the minimum required by the state. Many drivers choose to increase their limits and add coverage for better financial protection in serious accidents.
5 Ways to Save on Auto Insurance in Illinois:
- Maintain a Clean Driving Record: Accidents, speeding tickets, and DUI convictions can spike your rates for years.
- Bundle Your Policies: Combine auto and home or renters insurance for a multi-policy discount.
- Compare Quotes Regularly: Rates can vary significantly between insurers, even for the same coverage.
- Increase Your Deductible: A higher deductible can lower your premium—just make sure you can afford it if needed.
- Ask About Discounts: Good student, defensive driving, low mileage, and anti-theft device discounts can add up.
Most Expensive Cities for Auto Insurance in Illinois
Your ZIP code can significantly impact what you pay for insurance. Cities with high traffic, theft rates, and frequent claims often see higher premiums. In Illinois, the most expensive cities include:
- Chicago: Dense traffic, high claim volume, and elevated auto theft rates make Chicago one of the priciest places for coverage.
- Cicero: This suburb experiences a higher rate of reported accidents and theft compared to nearby areas.
- East St. Louis: Elevated crime and accident rates in this area contribute to higher insurance costs.
Cheapest Cities for Auto Insurance in Illinois
In contrast, smaller towns and rural areas typically offer lower rates. Some of the more affordable places to insure a vehicle in Illinois include:
- Normal: A college town with fewer vehicles on the road and low accident rates.
- Naperville: Despite being a larger suburb, it has strong public safety scores and relatively low claim frequency.
- Rock Island: With less traffic congestion and fewer thefts, insurance tends to be more affordable here.
Optional Coverage
While not required, these add-ons can provide extra protection:
Collision & Comprehensive
Especially valuable if you drive a newer vehicle or live in an area prone to theft or weather damage.
Gap Insurance
Covers the difference between your car’s value and what you owe on a loan or lease if it’s totaled.
Roadside Assistance
Ideal for winter breakdowns or flat tires on rural roads.
Rental Reimbursement
Covers the cost of a rental car while your vehicle is being repaired after a covered loss.
Find Affordable Auto Insurance in Illinois
Make sure your policy matches your needs, lifestyle, and budget.
At The Kind Insurance, we pride ourselves on leading with kindness. That means educating our clients and never suggesting more coverage than they actually need.
Reach out to The Kind Insurance to discuss your current coverage & how you might be able to save money. We are an independent insurance agency. That means we are not tied down to any specific selection of insurers. Our agents work with you to understand your needs and budget and then find a plan that suits you the best.
Get in touch today for more expert insurance advice.
The Advantage of an Independent Insurance Agency Working for You
- Personalized insurance solutions.
- Friendly, knowledgeable service.
- Building trusted relationships.
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