Car insurance in Illinois
Drivers in Illinois paid $1,257 a year for full coverage in 2023, 13% below the national average. With prices up since, figure on about $1,490 today. In Illinois, the law asks for at least 25/50/20 liability.
What people pay in Illinois
A typical yearly price today
about $1,490 a year (about $125 a month)
Illinois's average full-coverage cost in 2023 was $1,257, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,490.
That makes Illinois the 23rd least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Illinois next to its neighbors
A typical policy in Illinois costs more than in Indiana, Iowa, Kentucky, and Wisconsin and less than in Missouri.
| State | Typical price, 2023 | Moving to Illinois from there |
|---|---|---|
| Illinois | $1,257 | Not a move |
| Indiana | $1,032 | About $310 more a year |
| Iowa | $1,010 | About $340 more a year |
| Kentucky | $1,208 | About $70 more a year |
| Missouri | $1,323 | About $90 less a year |
| Wisconsin | $1,000 | About $350 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Illinois's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $20,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Required
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $598 in Illinois in 2023 (about $710 today, brought up the same rough way), the 24th lowest of the 50 states and DC. That's about 48% of the full-coverage price; the rest pays to fix or replace 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.
- Checked
- September 22, 2026
A new teen driver in Illinois
Adding a 16-year-old to a typical policy
about $980 more a year
About $80 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,850–$3,250 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,270 a year in Illinois (roughly $3,250–$6,100).
What adding a teen costs comes from California's published prices, so the range is wide, and Illinois may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
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. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,480 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$880 a year | $3,810 a year |
| 2022 Subaru Outback | +$880 a year | $3,820 a year |
| 2022 Subaru Crosstrek | +$880 a year | $3,840 a year |
| 2022 Honda CR-V | +$940 a year | $4,100 a year |
| 2022 Toyota RAV4 | +$960 a year | $4,170 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Illinois (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Illinois's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.