Ranked #18 of 51 by Cost
2026 Illinois Car Insurance Calculator
Estimate your monthly premium based on The Land of Lincoln averages
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Local insurance tip
Illinois allows insurers to use credit scores in pricing. Beyond credit, Chicago-area drivers can meaningfully reduce premiums by garaging their vehicle in a ZIP code outside the city limits, even a few miles can shift you into a significantly cheaper rating territory.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| IL minimum | $104 | Legal bare minimum (liability only) |
| Standard liability | $167 | High Liability, no physical damage |
| Full coverage | $222 | Comprehensive ($500 ded.) |
| Premium protection | $302 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $655 |
| 20-24 | High | $366 |
| 25-54 | Standard | $222 |
| 55-69 | Low | $211 |
| 70+ | Moderate | $278 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $222 |
| Speeding Ticket | Moderate | $271 |
| At-Fault Accident | High | $329 |
| DUI / DWI | Very high | $633 |
Illinois Snapshot · July 2026
$222/mo
State avg (-9% US AVG)
#18
National Rank
56%
County Spread
Rate by Neighboring States (6)
State Insight
Illinois is the most expensive of its neighbors. Kentucky and Missouri are the next most expensive, both pulled up by urban litigation environments. Indiana is the most affordable neighbor by a clear margin, its lower litigation activity keeping it well below Illinois despite sharing a long border and similar demographics.
Rate by Cities (Top 50)
Compared to IL avg ($222)
City Insight
Chicago and East Saint Louis sit at the top of the state by a significant margin. East Saint Louis is notable, a small city that rivals Chicago in rate, driven by its position on the Missouri border where cross-state litigation exposure from one of Illinois's most active plaintiff corridors compounds local economic conditions.
Rate by Counties (102)
Compared to IL avg ($222)
County Insight
Cook County drives the statewide average almost single-handedly, remove it and Illinois would look like a much more affordable state. St. Clair County in the Metro East is the second most expensive, its proximity to St. Louis's litigation environment pushing it well above neighboring downstate counties. McLean County is among the most affordable, anchored by Bloomington's unique demographic as home to major insurance carriers.
What Every Illinois Driver Needs To Know
What are the minimum car insurance requirements in IL for 2026?
Illinois requires 25/50/20 minimums: $25,000 bodily injury per person, $50,000 per accident and $20,000 for property damage. Illinois is an at-fault state and does not require PIP, though Uninsured Motorist coverage at matching limits is mandatory.
Does Illinois require Uninsured Motorist coverage?
Yes, Illinois mandates UM coverage at limits equal to your liability coverage. This is particularly important in Chicago, where uninsured driver rates in certain ZIP codes are estimated well above the state average. Your UM coverage steps in when the at-fault driver has no insurance or flees the scene.
Why is Chicago car insurance so much more expensive than the rest of Illinois?
Chicago consistently ranks among the top cities nationally for catalytic converter theft and vehicle theft overall. Combined with heavy traffic volume on the I-90, I-94 and I-290 corridors, high medical costs and an active plaintiff litigation bar. Cook County insurers face significantly higher claim costs than anywhere else in the state, and those costs are reflected in premiums.
What are the penalties for a coverage lapse in Illinois?
Illinois monitors insurance electronically and requires continuous coverage. A lapse can result in a fine of $500–$1,000, vehicle registration suspension and a $100 reinstatement fee. Driving on a suspended registration compounds the penalties. Repeat offenders may be required to file an SR-22 for three years.
Sources: Illinois DMV