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Auto Insurance · State Guide

Updated: May 1, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Illinois Auto Insurance

Average auto insurance rates in Illinois, minimum requirements, and the cheapest carriers.

  • State: Illinois (IL)
  • Avg annual rate: $1,465

Auto insurance in Illinois

Illinois drivers pay an average of $1465 a year for full-coverage auto insurance. Illinois rates run slightly below the national average for most drivers. Chicago metro rates are noticeably higher than downstate, and credit-based pricing is permitted.

For drivers looking for the cheapest auto insurance in Illinois, the savings spread between carriers can exceed several hundred dollars a year for the same coverage. Comparing quotes from multiple carriers is the single biggest lever you have to lower your premium.

Illinois minimum coverage requirements

Illinois requires drivers to carry at minimum 25/50/20 liability in liability coverage. Most drivers should carry significantly more than the minimum — serious accidents routinely exceed those limits and leave drivers personally liable for the excess.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage.

Best carriers in Illinois

State Farm dominates Illinois with the largest agent presence and competitive rates (headquartered in Bloomington). GEICO and Progressive are competitive in urban areas. Country Financial has a strong rural presence.

Get quotes from at least three carriers — the cheapest carrier for one Illinois driver isn’t necessarily the cheapest for the next, since rates vary by ZIP code, driving record, credit, and vehicle.