Is Illinois a no-fault state?

No, Illinois is an at-fault state. The driver who causes a crash may have to pay for the resulting injuries and property damage. Illinois doesn't require personal injury protection.

How do I lower my car insurance in Illinois?

You may be able to lower your rate by keeping a clean driving record, reviewing your coverage and deductibles, and earning discounts. Progressive offers discounts in Illinois for bundling policies, good students, and going five years without an accident, among others.

What are the penalties for driving without insurance in Illinois?

Illinois checks insurance records to confirm that registered vehicles have the required liability coverage. If the state can't verify coverage after a second check, it can suspend the vehicle's registration. To reinstate it, the owner must obtain liability insurance and pay a $100 fee. A conviction for driving uninsured carries a minimum $500 fine. Driving a vehicle with plates already suspended for an insurance violation carries a minimum $1,000 fine.

Illinois car insurance

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Getting car insurance in Illinois

Many Illinois drivers brave heavy traffic near Chicago, long drives on I-55 and I-57, and icy roads when the temperature drops. When you shop for car insurance, consider how much protection you need versus Illinois' minimum coverage to keep yourself safe on the road. Progressive makes it easy to compare coverage options and customize a policy that fits your budget.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Illinois?

Illinois requires drivers to carry the following minimum coverages and limits.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$25,000 per person $50,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$20,000 per accident
Uninsured motorist bodily injury	Injuries caused by an uninsured or hit-and-run driver	$25,000 per person $50,000 per accident

While these are Illinois' minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need for your situation.

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Car insurance discounts in Illinois

Discounts can lower your rate based on how you drive, the vehicle you insure, and how you manage your policy. Progressive offers several discounts to help Illinois drivers save on car insurance. Popular discounts available in Illinois include:

Homeowner
Save when you own a home, even if Progressive doesn't insure it. Homeownership may qualify you for a discount on your auto policy.
Online quote
Save when you start your auto insurance quote online. You can compare coverage options and customize your policy before you buy.
Active anti-theft device
Save when your car has a qualifying anti-theft device. Eligible equipment that helps deter theft may earn you a discount.

See all car insurance discounts

What is the average cost of car insurance in Illinois?

In 2025, a Progressive liability-only policy for one car and one driver in Illinois cost an average of $99.60 per month.^† Your rate may be higher or lower based on factors such as your driving history, location, vehicle, and coverage choices.

Factors that impact your auto insurance rate in Illinois

Several factors can affect how much you pay for auto insurance in Illinois, including:

Driving record: Tickets, accidents, and prior claims can affect your rate.
Vehicle type: Your car's make, model, age, safety features, and repair costs can affect your rate.
Location: Traffic, accident frequency, theft, and other risks vary by area and can affect what you pay.
Severe weather: Hail, flooding, damaging winds, and other severe weather in Illinois can lead to vehicle damage and more claims.
Coverage choices and deductibles: The coverages you select, your limits, and your deductibles affect your premium. A higher deductible can lower your premium, while additional coverage or higher limits can increase it.

Recommended additional auto insurance coverages in Illinois

Illinois' required coverages provide a basic amount of protection, but they may not cover everything you need. Consider these optional coverages:

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, and other covered events
Collision	Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object
Medical payments	Covered medical and funeral costs for you or your passengers after an accident
Uninsured motorist property damage	Covered damage to your car caused by an identified, at-fault uninsured driver

Illinois driving resources

Use these state resources to learn more about insurance rules, vehicle services, and traffic laws in Illinois. Keep in mind that local governments may have additional rules or requirements.

Illinois Secretary of State Driver Services: Find information about driver's licenses, driving records, REAL ID, and other driver services.
Illinois Secretary of State Mandatory Insurance: Learn about required liability insurance, electronic verification, and registration suspensions.
Illinois Department of Insurance: Review required and optional coverage, rating factors, discounts, and other auto insurance information.
Illinois Rules of the Road: Review state traffic laws and safe-driving guidance.

How to get car insurance in Illinois with Progressive

Progressive makes it easy for Illinois drivers to compare coverage options and get an auto insurance quote.

Go online

We ask easy questions, and you customize your coverages.

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Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-855-347-3939
Through an agent

Connect with an independent agent in your area.

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Illinois car insurance FAQs

Illinois checks insurance records to confirm that registered vehicles have the required liability coverage. If the state can't verify coverage after a second check, it can suspend the vehicle's registration. To reinstate it, the owner must obtain liability insurance and pay a $100 fee.
A conviction for driving uninsured carries a minimum $500 fine. Driving a vehicle with plates already suspended for an insurance violation carries a minimum $1,000 fine.