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:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$20,000 per accident
UM/UIM bodily injuryWhat it coversYour medical expenses an uninsured or underinsured driver causesMinimum 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 $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 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.

How to get car insurance in Illinois

Online

Answer some easy questions and choose coverages.

Quote auto insurance

Call us

A licensed representative will answer any questions you have.

Call 1-866-749-7436

Ask an agent

Need local advice? We'll connect you with a licensed independent agent near you.

Find an agent in Illinois

Quote car insurance online or give us a call

Learn more about car insurance policies.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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ΔDiscount varies and is not available in all states or situations.

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*Average rates for a liability-only Progressive auto policy with one vehicle and one driver for 2023. Individual rates may be higher or lower depending on a variety of factors, including, but not limited to, vehicle, age, driving record, and location.

†Auto savings based on national average 12 month savings of $835 by new customers surveyed who saved with Progressive between June 2023 and May 2024. Home & auto savings based on national average 12 month savings of $779 by new customers surveyed who saved with Progressive between June 2022 and May 2023. Potential savings will vary.

**No. 1 in combined personal and commercial auto from SNL Financial's 2021 national written premium data.

††National average 12 month savings of $775 by new customers surveyed who switched from Allstate and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

§National average 12 month savings of $740 by new customers surveyed who switched from GEICO and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

‡National average 12 month savings of $565 by new customers surveyed who switched from State Farm and saved with Progressive between June 2022 and May 2023. Potential savings will vary.