- Car Insurance
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- Illinois Car Insurance
Illinois car insurance
Common questions about Illinois
auto insurance
What car insurance is required in Illinois?
In Illinois, it's illegal to drive without insurance. Drivers in Illinois are required to have the following car insurance coverage: bodily injury to others and damage to someone else's property.
This chart shows the minimum auto insurance drivers are required to have in Illinois for these coverages.2
Coverage | Amount |
|---|---|
| Bodily Injury to Others | $25,000 per person and $50,000 per accident |
| Damage to Someone Else's Property | $20,000 per accident |
Check out the Illinois Department of Insurance for more details.
What is the average cost of car insurance in Illinois?
The average cost of car insurance in Illinois was $1,9823 in 2024 according to thezebra.com. That's 9% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Illinois auto insurance, so you only pay for what you need.
What Illinois car coverage insurance coverage is right for you?
The chart above shows the minimum Illinois auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection.
We'll help you customize your Illinois car insurance to get the coverage that fits you.
See all of our auto coverage options.
What is the best car insurance in Illinois?
Liberty Mutual understands that everyone has individual needs when it comes to their Illinois auto insurance. Some might want the cheapest Illinois car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Illinois car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Illinois?
Getting the cheapest car insurance in Illinois may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.4
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Save money with these auto insurance discounts
Great drivers are made, not born. You'll get a discount if your driving history is violation-free.6
Learn more about SavingsThe more cars you insure with Liberty Mutual, the more you can save on your premium.6
Learn about Multi-Car Discounts and moreInstantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.7
Save with our safe driver program