How much is car insurance in Illinois?
Car insurance in Illinois cost an average of $1,257 a year for full coverage in 2023 (NAIC), sitting 13% below the $1,439 national average and coming to about $1,490 a year in Illinois today (about $125 a month in August 2026 dollars). In Illinois, the law asks for at least 25/50/20 liability, while Illinois liability-only policies—the closest NAIC figure to minimum coverage—averaged $598 in 2023 (about $710 today).
Average car insurance cost in Illinois: 13% below the US average
Typical Illinois full-coverage price today
about $1,490 a year in Illinois (about $125 a month)
Illinois's 2023 NAIC full-coverage average ($1,257) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Illinois rate depends on your car, driving history, and coverage limits.
That $1,257 2023 full-coverage figure makes Illinois the 23rd least expensive of the 50 states and DC (against $1,439 nationally), with 48% going to liability ($598, 24th lowest in the US) and 52% covering physical damage to your own vehicle. Across all insured vehicles in Illinois (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,153 (24th highest in the US, about $1,370 today)—only 8% ($104) below Illinois's $1,257 full-coverage benchmark.
How Illinois compares with Indiana, Iowa, Kentucky, and 2 more bordering states
A typical policy in Illinois ($1,257 in 2023) costs more than in Indiana, Iowa, Kentucky, and Wisconsin and less than in Missouri. Among Illinois's neighbors, Wisconsin had the lowest 2023 average ($1,000, moving to Illinois is about $340 more a year) and Missouri had the highest ($1,323, moving to Illinois is about $90 less a year).
| State | 2023 average | Moving to Illinois from there |
|---|---|---|
| Illinois | $1,257 | Current state (Illinois) |
| Indiana | $1,032 | About $300 more a year |
| Iowa | $1,010 | About $330 more a year |
| Kentucky | $1,208 | About $70 more a year |
| Missouri | $1,323 | About $90 less a year |
| Wisconsin | $1,000 | About $340 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Alaska ($1,262 in 2023, about $1,500 today), Oregon ($1,268 in 2023, about $1,500 today), Alabama ($1,269 in 2023, about $1,500 today), and Pennsylvania ($1,273 in 2023, about $1,510 today).
Illinois: 25/50/20 minimums since 2015, with mandatory uninsured-motorist coverage
- Illinois liability (per person / per crash / property)
- $25,000 / $50,000 / $20,000
- Personal injury protection (PIP) in Illinois
- Not required
- Medical payments in Illinois
- Not required
- No-fault system in Illinois
- No
- Uninsured motorist in Illinois
- Required
- Underinsured motorist in Illinois
- Not required
Set by 625 ILCS 5/7-203 (requirements as to policy or bond), Illinois's 25/50/20 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $20,000 for others' property—the legal floor in Illinois, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Illinois—the closest NAIC figure to what an Illinois minimum policy costs—averaged $598 in 2023 (about $710 in Illinois today), the 24th lowest of the 50 states and DC. That makes liability 48% of Illinois's full-coverage average ($1,257), while the remaining 52% goes toward collision and comprehensive coverage for your own car.
Illinois requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured-motorist coverage at 25/50 is always included and can't be turned down. If you buy higher limits, underinsured-motorist coverage is added to match.
Good to know: Underinsured motorist coverage isn't needed on a minimum 25/50/20 policy. It becomes required as soon as your uninsured coverage is above 25/50. Your uninsured coverage matches your injury limits unless you turn down the extra in writing.
- Uninsured and underinsured motorist
- Every policy includes uninsured motorist coverage of at least $25,000 per person and $50,000 per crash, and you can't turn that part down. By default it matches your injury liability limits; you can turn down only the amount above 25/50, in writing. Underinsured motorist coverage is required only when your uninsured coverage is above that minimum, and then it must match. So a minimum 25/50/20 policy doesn't need it.
- History and recent checks
- 25/50/20 applies to policies issued or renewed on or after January 1, 2015. The latest amendment to 7-203 (P.A. 102-982, effective 7-1-23) only changed wording ('crash'). No change is scheduled.
- Checked
- September 22, 2026
- Sources
- 625 ILCS 5/7-203 (requirements as to policy or bond)
not less than $25,000 because of bodily injury to or death of any one person ... not less than $50,000 ... not less than $20,000 because of injury to or destruction of property
- 625 ILCS 5/7-601 (required liability insurance policy)
No person shall operate, register or maintain registration of ... a motor vehicle ... unless the motor vehicle is covered by a liability insurance policy.
- 215 ILCS 5/143a (uninsured motor vehicle coverage)
No policy ... shall be renewed, delivered, or issued for delivery in this State unless coverage is provided therein ... in limits for bodily injury or death set forth in Section 7-203
- 215 ILCS 5/143a-2 (additional UM; UIM)
unless underinsured motorist coverage is included in such policy in an amount equal to the total amount of uninsured motorist coverage provided in that policy where such uninsured motorist coverage exceeds the l[imits]
- 625 ILCS 5/7-203 (requirements as to policy or bond)
Adding a 16-year-old driver in Illinois: about $980 more a year
Adding a 16-year-old to a Illinois policy
about $980 more a year
About $80 a month (+66% over a typical Illinois adult policy of $1,490), bringing the combined Illinois family policy to roughly $1,850–$3,250 a year.
On a separate Illinois policy of their own with the same car, a 16-year-old in Illinois would pay about $4,270 a year (roughly $3,250–$6,100), so sharing a parent's Illinois policy saves about $3,290 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Illinois's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Illinois
In Illinois, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $880 more a year on an Illinois policy, versus about $1,480 more a year for the 2022 Tesla Model 3 at the top of Illinois's list.
| 2022 model | Added to a Illinois policy | Own Illinois policy |
|---|---|---|
| 2022 Subaru Forester | +$880 in Illinois | $3,810 in Illinois |
| 2022 Subaru Outback | +$880 in Illinois | $3,820 in Illinois |
| 2022 Subaru Crosstrek | +$880 in Illinois | $3,840 in Illinois |
| 2022 Honda CR-V | +$940 in Illinois | $4,100 in Illinois |
| 2022 Toyota RAV4 | +$960 in Illinois | $4,170 in Illinois |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Illinois
In Illinois, a 45-year-old with full coverage pays from about $1,510 a year for a 2024 Honda Odyssey to about $2,490 for a 2024 BMW 330i on these Illinois sample models.
| Car | 45-year-old in Illinois | Adding a teen in Illinois |
|---|---|---|
| 2024 Honda Odyssey | about $1,510 a year | +$1,000 a year |
| 2024 Toyota Sienna | about $1,760 a year | +$1,160 a year |
| 2024 Chrysler Pacifica | about $1,590 a year | +$1,050 a year |
| 2024 Kia Carnival | about $1,650 a year | +$1,090 a year |
| 2024 Lexus RX | about $1,860 a year | +$1,230 a year |
| 2024 Lexus NX | about $1,850 a year | +$1,220 a year |
| 2024 Lexus ES | about $1,970 a year | +$1,300 a year |
| 2024 BMW 330i | about $2,490 a year | +$1,640 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Illinois
- How much is car insurance in Illinois?
- In Illinois, full-coverage car insurance averaged $1,257 a year in 2023 (the 23rd least expensive of the 50 states and DC per NAIC), or about $1,490 a year ($125 a month) in Illinois as of August 2026. Illinois liability-only coverage averaged $598 in 2023 (48% of Illinois's full-coverage figure, or about $710 today), and Illinois drivers spent $1,153 per insured car across all policies.
- What are the minimum car insurance limits in Illinois?
- Under 625 ILCS 5/7-203 (requirements as to policy or bond), Illinois requires 25/50/20 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $20,000 for property damage. 25/50/20 applies to policies issued or renewed on or after January 1, 2015. The latest amendment to 7-203 (P.A. 102-982, effective 7-1-23) only changed wording ('crash'). No change is scheduled.
- How much does adding a 16-year-old teen driver cost in Illinois?
- Adding a 16-year-old to a parent's full-coverage policy in Illinois adds about $980 more a year ($80 a month), bringing the Illinois household policy to roughly $1,850–$3,250 a year versus about $4,270 a year (roughly $3,250–$6,100) on a standalone Illinois teen policy.
- Is Illinois a no-fault car insurance state?
- No—Illinois is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Illinois does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Illinois: Every policy includes uninsured motorist coverage of at least $25,000 per person and $50,000 per crash, and you can't turn that part down. By default it matches your injury liability limits; you can turn down only the amount above 25/50, in writing. Underinsured motorist coverage is required only when your uninsured coverage is above that minimum, and then it must match. So a minimum 25/50/20 policy doesn't need it.
- How does Illinois's car insurance cost compare with Indiana?
- Illinois averaged $1,257 for full coverage in 2023 (NAIC) against $1,032 in Indiana (22% more than Indiana), and moving a sample policy from Indiana to Illinois today is about $300 more a year. Other bordering states averaged $1,010 in Iowa, $1,208 in Kentucky, $1,323 in Missouri, and $1,000 in Wisconsin in 2023.
Sources for Illinois
- Illinois average premiums ($1,257 full coverage, $598 liability-only, $1,153 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Illinois minimum coverage statutes (625 ILCS 5/7-203 (requirements as to policy or bond); 625 ILCS 5/7-601 (required liability insurance policy); 215 ILCS 5/143a (uninsured motor vehicle coverage); 215 ILCS 5/143a-2 (additional UM; UIM)), checked September 22, 2026. Page updated for Illinois. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.