Illinois Auto Insurance: Minimum Costs & Requirements
Illinois requires 25/50/20 liability coverage and is an at-fault state.
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Illinois at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Illinois operates under a traditional tort system where the at-fault driver is responsible for damages. The state requires all drivers to carry liability insurance and proof of financial responsibility — officers can verify coverage electronically through the state database during traffic stops. Unlike neighboring states, Illinois mandates uninsured motorist coverage at the same limits as your liability coverage unless you reject it in writing, according to the Illinois Department of Insurance.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Cost Overview
$59–$82/mo
Typical monthly rate in Illinois, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The 25/50/20 state minimum keeps you legal but leaves significant personal financial exposure. A serious accident with multiple injuries or a totaled luxury vehicle can easily exceed these limits, making you personally liable for the difference.
Full Coverage
Combines liability with collision and comprehensive to cover your own vehicle damage from accidents, theft, vandalism, and weather. Cost-effective only if your vehicle value exceeds $4,000–$5,000; otherwise your annual premium may approach your car's replacement value.
Uninsured Motorist Coverage
Illinois mandates this coverage at your liability limits unless you reject it in writing. Covers your medical bills and lost wages when an uninsured driver injures you, protecting you from paying out-of-pocket for someone else's negligence.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault, minus your deductible. Not required by Illinois law and not cost-effective for vehicles worth under $4,000–$5,000.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, falling objects, and animal strikes. Optional coverage that adds $35–$70/month depending on your vehicle and location.
SR-22 Insurance
Not a separate coverage type but a certificate proving you carry minimum liability insurance, required after serious violations like DUI, multiple at-fault accidents, or driving without insurance. Your insurer files the SR-22 directly with the Illinois Secretary of State.