Safe Drivers Could Save in Illinois

Download the app, start your test drive, & see how much you can save.

Reviewed & verified by
Cara Carlone
Last Updated Mar 22, 2024

About Illinois Car Insurance

Illinois car insurance is vital to owning and operating a vehicle in the state. With bustling urban centers, rural landscapes, and everything in between, Illinois offers diverse driving experiences. To provide yourself with financial protection and comply with state laws, understanding the nuances of car insurance in Illinois is essential. Here’s an overview of key considerations regarding car insurance in Illinois, including coverage requirements, available discounts, and driving trends for the state.


Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
Source: Bankrate


Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
Source: Bankrate

NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.  

These are sample rates and should only be used for comparative purposes.

How SteadyDrive Works

Download the app

Go to the App Store or Google Play
and enroll in seconds.

Start your test drive

Drive safe & you could qualify for
savings on car insurance.

Qualify for discounts

After a few weeks, you could get discounted insurance quotes from a leading insurer.

Minimum Car Insurance Requirements in Illinois

Bodily Injury
Property Damage
Full or Limited Torts

Bodily injury liability coverage

$25,000 per person per accident / $50,000 total per accident

Property damage liability coverage

$20,000 per accident

Uninsured Motorist Bodily Injury Coverage (UM)

$25,000 per person / $50,000 per accident

Underinsured Motorist Bodily Injury Insurance (UIM)

$25,000 per person / $50,000 per accident

Optional Car Insurance Coverage (varies by carrier)

  • Accidental Death Benefit
  • Custom/Non-Factory Equipment
  • Gap Coverage for Leased or Financed Vehicles
  • Medical Payments
  • Physical Damage/Repair/Replace Coverage
  • Rental Reimbursement
  • Towing
  • Uninsured Motorist Property Damage (UMPD)
  • & more. Be sure to ask your insurance agent.

Illinois Driving Statistics

Insurance Rates
increased 15.9% on average statewide (2024)

Source: ValuePenguin

10.59 million (2015) to 10.58 million (2020) Registered Vehicles

Source: ValuePenguin

-2.1% Population Change from 2020 - 2023

Frequently Asked Questions

Is Illinois a no-fault insurance state?

No, Illinois is not a no-fault state. It follows a traditional fault-based system for handling car accidents, where the at-fault driver is responsible for paying damages.

Source: WalletHub

Is PIP required in Illinois?

Personal Injury Protection (PIP) is not required in Illinois. Unlike some other states that mandate PIP coverage, Illinois does not have this requirement. However, Illinois drivers have the option to purchase Medical Payments Coverage (MedPay), which is similar to PIP in that it helps cover medical expenses for you and your passengers regardless of who is at fault in an accident.

Source: MoneyGeek

Does Illinois require uninsured/underinsured motorist coverage?

Yes, Illinois requires uninsured motorist coverage to protect drivers in case they are involved in an accident with a driver who does not have insurance or does not carry sufficient insurance coverage.

Source: Illinois Department of Insurance

You Could Save Hundreds

SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.

Download the free app, enroll in seconds, and watch the savings pile up as you drive safely.

SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.

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