Q: What are the minimum insurance requirements in Illinois?

You’ll need a 25/50/20 plan that includes liability auto insurance and uninsured/underinsured motorist insurance to legally drive in Illinois.

Question 1

Who offers the cheapest auto insurance coverage in Illinois?

Accepted Answer

The cheapest coverage options in Illinois depend on several factors. Your ZIP code, credit score, driving history, and other non-driving factors affect your car insurance rates in Illinois. The best way to find cheap coverage in your state is to compare rates from multiple providers.
When you compare quotes, you can see which company will offer affordable coverage based on your unique situation. This will help you make an informed decision and avoid paying too much for coverage.

Question 2

How much does auto insurance cost in Illinois?

Accepted Answer

If you live in Illinois, you probably pay around $116 per month for auto insurance. But you may find cheaper rates if you shop online and compare quotes from multiple companies in your city.
Some insurers charge more for individuals based on age, while others do not. The same is true for factors like your ZIP code or gender. You will never know how much you’ll pay for car insurance coverage in Illinois until you find and compare quotes from multiple providers.

Question 3

What are the minimum insurance requirements in Illinois?

Accepted Answer

You&#8217;ll need a 25/50/20 plan that includes liability auto insurance and uninsured/underinsured motorist insurance to legally drive in Illinois.

Question 4

What is the average cost of auto insurance in Illinois?

Accepted Answer

The average cost for car insurance in Illinois is $1,394 annually or $116 per month. If you’re looking for coverage that just meets your state’s minimum requirements, you’ll probably pay a good bit less.
Still, if you need additional coverage or if you have a poor driving record, you could easily pay twice the statewide average for car insurance. And teens and young adult drivers could pay up to four times more than a 30-year-old with a clean driving record.

Question 5

Is Illinois an at-fault state?

Accepted Answer

Yes, Illinois is an at-fault state. This means that someone will be responsible for the damage if you’re in an accident. An insurance adjuster determines fault with the help of police records and other available details.
If you’re at fault in an accident, you will need additional coverage to help pay for damage you caused to other vehicles and your own car. In this case, a liability-only policy will not offer the type of coverage you need. You should consider purchasing a full coverage policy to adequately cover all costs after an at-fault accident.

Question 6

What does liability insurance cover?

Accepted Answer

Liability insurance covers the damages or injuries you cause to others in an accident where you are at fault. It helps pay for the other party’s medical expenses, property damage, and legal fees if they decide to sue you.

Question 7

Can you register a car in Illinois without car insurance?

Accepted Answer

According to Illinois state law, you cannot register a car without having car insurance. Proof of insurance is required at the time you want to register your vehicle. That can make it tricky to do things like register a vehicle you don&#8217;t own if you can&#8217;t get insurance on a car not in your name, but an insurance or DMV representative can help.

Question 8

Can my auto insurance policy be canceled in Illinois?

Accepted Answer

Yes, your auto insurance policy can be canceled in Illinois under certain circumstances. Insurance companies can cancel your policy for reasons such as non-payment of premiums, providing false information, or having your driver’s license suspended or revoked. However, insurance companies must follow specific procedures and provide notice before canceling a policy.

Question 9

Are there any penalties for driving without insurance in Illinois?

Accepted Answer

Yes, driving without insurance in Illinois can result in penalties. If you’re caught driving without insurance, you may face fines, license suspension, and potential vehicle impoundment. Additionally, it can make it more difficult and expensive to obtain insurance coverage in the future.

Question 10

What are the best auto insurance companies in Illinois?

Accepted Answer

Our research shows that State Farm, Chubb, and Allstate are the best insurance companies in Illinois. However, you should still compare rates with other companies before you purchase a policy. The best company for you might be a different provider — enter your ZIP code into our free comparison tool to see which company offers the lowest rates for you.

Tag: Illinois

Compare Quotes from Top Companies and Save

Best Illinois Auto Insurance in 2025 (Compare the Top 10 Companies)

Compare Quotes from Top Companies and Save

Tag: Illinois

Compare Quotes from Top Companies and Save

Best Illinois Auto Insurance in 2025 (Compare the Top 10 Companies)

Compare Quotes from Top Companies and Save

Free Car Insurance Comparison