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How safe are you as a driver in Illinois? Illinois has counted more than 300,000 accidents since 2015. Of those, 20%, the drivers died or were wounded. There are many other cars to look out for on the road in a state of 8.5 million licensed drivers.

A variety of factors impact the ability to find affordable car insurance in Illinois. Based on comprehensive and accident coverage for the average driver, we at Way.com has ranked the cheap car insurance in Illinois. You can compare various car insurance quotes in Illinois from a variety of companies to get a picture of the price you're going to have to pay.


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Read on to choose the best car insurance in Illinois.

Minimum Required Auto Insurance Coverage in Illinois

When looking for auto insurance in Illinois, search for a policy that satisfies the state's bodily injury minimum provisions of $25000 per person or $50000 in total per accident and a property damage liability limit of at least $20000 per accident. You are often expected to provide uninsured and under-insured motorists coverage, depending on the insurance restrictions.

Here is the minimum amount of insurance that Illinois drivers need:

Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25,000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50,000 ($100,000 for injuries resulting in death)
Property Damage Liability $10,000

Cheapest Car Insurance in Illinois for Minimum Required Coverage

The cost of car insurance is significantly individualized. For pricing plans, car insurance insurers depend on details such as age, sex, venue, car model, and driving history. Since the cost of premiums is different for everyone, the cheapest car insurance in Illinois would rely on the customer.

To find a decent deal for reliable auto coverage, obtain quotes from a few suppliers. After comparing quotes in terms of price and coverage, you should be able to find a cheap policy that offers the coverage you need.

Do I Need More Than the Minimum Required State Coverage in Illinois?

If you have Illinois car insurance, then you must have the following coverages as a bare minimum in terms of car insurance:

  • Bodily injury or death for one person: $25000
  • Bodily injury or death of two people: $50000
  • Property damage: $10000

Comprehensive insurance is not required. We recommend that you get comprehensive insurance coverage if you are involved in a more serious accident requiring extensive repairs and medical fees.

Illinois Car Insurance Laws

Illinois is an at fault state. That is, Illinois uses a ‘fault’ system when it comes to financial liability for injuries, vehicle damage, and other losses resulting from an automobile accident, Illinois uses a "fault" system. This means that the person who caused the car accident is responsible for compensating anyone injured as a result of the crash (although, in practice, the at-fault driver's insurance company will normally cover these losses, up to policy limits).

In Illinois, a person who is injured or damages their property as a result of an auto accident has three options:

  • By filing a claim with their own insurance company, assuming that the loss is covered under the policy (in this situation, the insurance company will likely turn around and pursue a subrogation claim against the at-fault driver's insurance company)
  • By filing a third-party claim directly with the at-fault driver's insurance carrier, or
  • By filing a personal injury lawsuit in civil court against the at-fault driver.

Note that claimants in no-fault vehicle insurance states do not have the same options. Regardless of who caused the accident, if you are wounded in a car accident in a no-fault state, you must rely on your car insurance coverage to cover medical bills and other out-of-pocket expenses.

You can only go outside of no-fault and file a claim against the at-fault motorist if your claim meets certain statutory standards. However, Illinois drivers do not have to worry about no-fault coverage in an accident that occurs within the state.

Illinois Penalties for Driving Without Car Insurance

You could risk the punishment of at least $500 if you operate a registered vehicle without car insurance in Illinois. If you're spotted driving a car whose registration has been suspended due to a lack of insurance, you'll be fined at least $1,000. Note that these fines will almost certainly be insignificant compared to the financial consequences of not having auto insurance if you are involved in a car accident.

Illinois Auto Insurance Requirements

Illinois stipulates that all vehicles registered in the state must be covered by liability insurance.

Up to the coverage limits, this basic liability coverage pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are hurt or whose cars are damaged in a car accident you cause. You can (and in some cases should) carry more coverage to protect yourself in the event of a catastrophic car accident resulting in serious injuries and car damage.

Remember that you are personally responsible for the remaining balance after your policy limits have been reached. Thus larger insurance coverage can assist in protecting your assets in the event of a major accident.

If a member of your family drives your car or if you've permitted someone else to drive it, your liability coverage kicks in. It will almost certainly protect you if you are involved in an accident while driving a rented car.

Finally, keep in mind that liability insurance does not cover your injuries or vehicle damage in the event of a car accident. If you're in an automobile accident and no one else's insurance covers your losses, you'll need alternative (extra) coverage. For example, Personal injury protection (PIP) or MedPay coverage can pay for medical expenditures resulting from an automobile accident. In contrast, collision coverage might pay for repairs to (or replacement of) your damaged car.

See what you could save on auto insurance

Auto Insurance Coverage Types

Coverage type What it does
Liability coverage Your legal defense is covered if a lawsuit is filed against you due to an accident. Property damage and bodily injury are two forms of liability coverage that must be included in your insurance policy if you live in Washington.
Property damage If you are held legally responsible for an accident, this policy protects your assets, and it protects you against certain types of harm to another person's property or car.
Bodily injury If you're held legally responsible for an accident, it protects your assets, including some expenses related to bodily harm suffered by the other parties.
Comprehensive When non-collision-related accidents cause physical damage to your car, this sort of Washington auto insurance coverage is used to fix it (subject to deductible).
Collision When your car sustains physical damage due to a collision with another car or item, collision coverage is utilized to fix it (subject to deductible).
Uninsured/underinsured motorist Protects you if the other party is at fault in an accident and either does not have insurance or is underinsured.

Proof of Auto Insurance in Illinois

Failure to show evidence of insurance might result in hefty fines. A random selection procedure is also used in Illinois. The state will ask you to present proof of insurance coverage:

  • When stopped by police officers during routine traffic stops.
  • Using the state's electronic verification scheme, which notifies and requests proof of coverage from random drivers.

If you receive a notification in the mail, you have 30 days to show evidence of insurance. Failure to provide proof within this time frame may result in the same penalties as driving without insurance.

It can be costly to drive without insurance or a license. If you continue to drive while your license is suspended, you may be charged with a class A misdemeanor, which carries a penalty of up to one year in prison and a $2500 fine.

It's also a good idea to be informed of any additional Illinois driving rules. You could face fines and increase your insurance costs if you break these regulations. All drivers in Illinois are prohibited from texting while driving. Drivers cannot chat on their phones or use them while driving. A $75 fine can be imposed if these laws are broken.

Average Cost of Auto Insurance Companies in Illinois

According to the Insurance Information Institute, the total annual rate of car insurance in Illinois is $909. Illinois ranks 25th in the country with the most expensive car insurance on average. That ensures that the Prairie State is in the center of what U.S. people should expect to pay for car insurance.

Cheapest car insurance quotes for Illinois drivers

State Farm, American Family, and Progressive are the cheapest full coverage auto insurance firms in Illinois. Together, the three cheapest car insurers have an annual premium of $1518, 32 percent less than the total Illinois state average of $2229.

Cheap car insurance in Illinois for young Illinois drivers

Younger drivers typically pay far more for car insurance than older drivers, especially if they purchase their policy. According to our research, the average cost of auto insurance for an 18-year-old on their policy is $4206 for full coverage and $2247 for minimal coverage.

Some car insurance, however, offers discounts to 18-year-old drivers.The General offers the most economical complete coverage ($2234 per year).

COMPANY 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $4,489 $5,798
American Family Insurance $3,462 $3,797
Country Insurance & Financial Services $2,279 $2,577
Farmers $7,354 $7,704
The General $2,234 $2,474
Nationwide $4,206 $4,886
Progressive $5,469 $6,070
State Farm $2,369 $2,985
Travelers $3,229 $4,030
USAA $3,392 $3,560
Statewide Average $2,249 $4,797

Cheap car insurance for Illinois drivers with a speeding ticket

Speeding penalties have a detrimental influence on rates in general, which is no exception for younger drivers. On the other hand, State Farm has the cheapest rate for most teenagers, at $959 per year on average. This is 48% less expensive than the national average.

That's almost three times cheaper than the state average.

COMPANY AVERAGE ANNUAL RATE
State Farm $959
The General $1004
Erie $1,057
USAA $1,278
Country Insurance & Financial Services $1,343
American Family Insurance $1,397
Travelers $1,415
Average $1,426
Nationwide $1,469
Progressive $1,481
Farmers $1,745
Allstate $2,184

Car insurance providers prefer to raise premiums after getting a fast ticket, although some insurers increase their costs more than others.

Cheap auto insurance for Illinois drivers after a car accident

After an accident, drivers pay extra for auto insurance, especially if they're young. We discovered that a young driver who had been in an accident paid 42% more for car insurance. State Farm has the best overall rate, which has increased to $1035 per year.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,035
American Family Insurance $1,161
The General $1,197
Country Insurance & Financial Services $1,334
Travelers $1,472
USAA $1,491
Statewide Average $1,664
Nationwide $1,803
Progressive $1,849
Farmers $1,967
Allstate $3,328

For a full auto insurance policy with one previous accident, the cheapest insurance providers in Illinois are State Farm, Travelers, and Country Financial. Together, these businesses deliver an annual cost of $2089, or 37% cheaper than the overall Illinois state average of $3340. Drivers with an accident on their driving record appear to have higher rates than those without previous accident history.

Of note, the most costly policy is $7018 from Allstate or more than four times the cheapest at State Farm ($1292). Given the variations in insurance premiums for various driver profiles, we still recommend shopping for car insurance.

Cheap car insurance quotes for Illinois drivers with a DUI

Some insurers provide better rates for drivers with a DUI on their record than others. A full-coverage policy from State Farm costs only $959 per year, and no other insurance came close to matching that price.

One of the most serious driving-related violations is being caught driving under the influence, and the penalties are severe. After one DUI conviction, we discovered that rates climb by an average of 57% among Illinois' most popular insurers.

COMPANY AVERAGE ANNUAL RATE
State Farm $959
Progressive $1,201
American Family Insurance $1,397
Country Insurance & Financial Services $1,462
Travelers $1,624
The General $1,686
Statewide Average $1,765
Farmers $1,898
USAA $2,149
Nationwide $2,213
Allstate $3,062

Being caught driving under the influence is one of the most severe driving-related crimes, and the consequences are profound. Across the most common insurers in Illinois, we found that premiums increased by an average of 53% based on one DUI conviction.

Some insurers, however, offer better rates than others in this case. State Farm just raised the auto insurance premium of our sample driver by 9%, for a total of $1572 per year. No other insurer has even given a quote similar to that number.

Cheap car insurance for married Illinois drivers

Married people frequently have reduced car insurance rates since insurers have discovered less prone to file claims. When comparing single and married Illinois drivers, we discovered that married Illinois drivers save roughly 9% on their insurance price.

Even though its prices for married drivers have remained unchanged, State Farm offers the lowest rates. Married drivers get the greatest savings from Progressive and Country Financial, which give 16% and 13% reductions, respectively

Company Annual Premium
State Farm $965
Country Financial $1,133
Travelers $1,493
Progressive $1,589
American Family $1,661
The General $1,901
Farmers $2,069
Allstate $2,345
USAA $1,301

Cheap full coverage car insurance quotes for young drivers with an accident history

After an accident, drivers pay extra for auto insurance, especially if they're young. We discovered that a young driver who had been in an accident paid 42% more for car insurance. State Farm has the best overall rate, which has increased to $1551 per year. Sharing insurance coverage with an older adult, such as a parent or sibling, might save money for younger drivers.

Company Average Annual rate
State Farm $1551
Country Financial $1965
Travelers $2655
The General $2664
Progressive $3150

Cheap auto insurance in Illinois with bad credit

Company Avg. Annual Premium
THE GENERAL $1,671
Travelers $1,745
Nationwide $1,944
USAA $2,436
State Farm $2,586
Progressive $2,773
Farmers $2,870
Allstate $3,265

Illinois auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,524 1% $1
One Med/PIP claim $1,533 2% $10
Not-at-fault accident $1,604 6% $90
One comp claim $1,632 8% $118
Two Med/PIP claims $1,635 8% $121
Two comp claims $1,764 17% $250
Driving without lights $1,772 17% $258
Child safety restraint $1,776 18% $262
Failure to show documents $1,809 20% $295
Failure to wear a seat belt $1,834 21% $320
Driving with expired registration $1,842 22% $328
Speeding 6 - 10 MPH over limit $1,861 23% $347
Speeding 11 - 15 MPH over limit $1,908 26% $394
Driving too slowly $1,917 27% $403
Illegal turn $1,921 27% $407
Failure to yield $1,924 27% $410
At-fault accident - less than $1000 $1,924 27% $410
Failure to stop at a red light $1,928 28% $414
Speeding 16 - 20 MPH over limit $1,930 28% $416
Speeding in school zone $1,932 28% $418
Following too closely $1,946 29% $322
Improper passing $1,948 29% $434
Wrong way/wrong lane $1,966 30% $453
Texting while driving $1,976 31% $462
Cell phone violation $1,976 31% $462
Passing school bus $1,999 32% $485
Speeding 21 - 25 MPH over limit $2,035 35% $521
In 65 MPH zone $2,113 41% $599
Operating a vehicle without permission $2,120 40% $606
At-fault accident - $1000-$2000 $2,180 44% $666
At-fault accident - greater than $2000 $2,204 46% $690
Open container $2,360 56% $846
Reckless driving $2,688 78% $1,174
Racing $2,707 79% $1,193
Driving with a suspended license $2,764 83% $1,250
Refusal to submit to a chemical test $2,778 84% $1,265
DUI $2,785 84% $1,271
Leaving scene of an accident/hit and run $2,837 88% $1,323

Car insurance price trends in Illinois

Year Avg. Annual Premium — Illinois Yearly Change — Illinois Avg. Annual Premium — US Yearly Change — US
2021 $1,405 $120 $1,539 $56
2020 $1,295 -$14 $1,493 -$71
2019 $1,299 $42 $1,554 $33
2018 $1,267 -$549 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$333 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$73 $1,205 -$90
2012 $1,587 $333 $1,286 $92

What Is Illinois Good Driver Discount Policy?

Do you think you're a capable driver? Do you always check your blind spot before merging, use your indicator, and stop at stop signs? These characteristics (and many more!) can help you stay safe on the road, and a clean driving record may qualify you for a discount on your car insurance.

The following are the prerequisites for this discount:

You must have held a valid driver's license in the United States for at least three years and not have:

  • More than one point on your driving record
  • Gone to traffic school for more than once for a traffic violation
  • Been at fault (meaning at least 51 percent responsible) in an accident
  • Had any major violations on your driving record for the last ten years

To obtain a 20% discount on your car insurance premiums, you must meet certain eligibility requirements. Whether you have a spotless driving record or a spotty driving record, Obtaining quality auto insurance will allow you to secure your vehicle and your finances!

To get started on your policy in Illinois, contact the insurance experts at Way.com now.

See what you could save on auto insurance

Compare car insurance rates in top Cities

CityAnnual Premium
Abingdon$1,625
Adair$1,649
Addieville$1,697
Addison$1,901
Albany$1,589
Albers$1,685
Albion$1,637
Aledo$1,613
Alexander$1,673
Alexis$1,601
Algonquin$1,733
Allendale$1,637
Allerton$1,601
Alorton$2,333
Alpha$1,589
Alsey$1,721
Alsip$2,261
Altamont$1,565
Alto Pass$1,793
Alton$1,949
Altona$1,601
Alvin$1,601
Amboy$1,577
Anchor$1,577
Ancona$1,589
Andalusia$1,673
Andover$1,601
Anna$1,781
Annapolis$1,625
Annawan$1,577
Antioch$1,817
Apple River$1,625
Arcola$1,541
Argenta$1,613
Arlington$1,577
Arlington Heights$1,817
Armington$1,661
Armstrong$1,613
Aroma Park$1,805
Arrowsmith$1,589
Arthur$1,565
Ashland$1,697
Ashley$1,673
Ashmore$1,565
Ashton$1,613
Assumption$1,661
Athens$1,745
Atkinson$1,577
Atlanta$1,637
Atwood$1,553
Auburn$1,685
Augusta$1,637
Aurora$1,769
Ava$1,829
Aviston$1,661
Avon$1,649
Baileyville$1,625
Bannockburn$1,949
Bardolph$1,613
Barnhill$1,685
Barrington$1,853
Barrington Hills$1,817
Barry$1,721
Barstow$1,601
Bartelso$1,685
Bartlett$1,889
Bartonville$1,721
Basco$1,649
Batavia$1,721
Batchtown$1,805
Bay View Gardens$1,649
Baylis$1,709
Beach Park$1,841
Beardstown$1,661
Beason$1,649
Beckemeyer$1,697
Bedford Park$2,273
Beecher$1,853
Beecher City$1,589
Belknap$1,805
Belle Rive$1,733
Belleville$1,865
Bellevue$1,709
Bellmont$1,661
Bellwood$2,429
Belvidere$1,709
Bement$1,553
Benld$1,697
Bensenville$1,889
Benson$1,613
Benton$1,793
Berkeley$2,117
Berwick$1,601
Berwyn$2,261
Bethalto$1,817
Bethany$1,577
Bingham$1,625
Bishop Hill$1,577
Bismarck$1,637
Blackstone$1,589
Blandinsville$1,661
Bloomingdale$1,853
Bloomington$1,589
Blue Island$2,393
Blue Mound$1,625
Bluff Springs$1,793
Bluffs$1,721
Bluford$1,709
Boles$1,901
Bolingbrook$1,925
Bolivia$1,757
Bondville$1,577
Bone Gap$1,649
Bonfield$1,757
Bonnie$1,721
Boody$1,625
Boulder Hill$1,793
Bourbonnais$1,781
Bowen$1,637
Braceville$1,745
Bradford$1,625
Bradley$1,793
Braidwood$1,757
Breese$1,685
Bridgeport$1,649
Bridgeview$2,213
Brighton$1,733
Brimfield$1,733
Bristol$1,769
Broadlands$1,589
Broadview$2,381
Brocton$1,589
Brookfield$1,985
Brooklyn$2,297
Brookport$1,889
Broughton$1,769
Browns$1,625
Brownstown$1,577
Brussels$1,817
Bryant$1,649
Buckingham$1,709
Buckley$1,649
Buckner$1,793
Buda$1,577
Buffalo$1,757
Buffalo Grove$1,973
Buffalo Prairie$1,733
Bulpitt$1,721
Buncombe$1,793
Bunker Hill$1,769
Burbank$2,189
Bureau$1,577
Burlington$1,697
Burnham$2,453
Burnt Prairie$1,709
Burr Ridge$1,925
Bushnell$1,661
Butler$1,685
Byron$1,661
Cabery$1,601
Cahokia$2,261
Cairo$1,901
Calhoun$1,637
Calumet City$2,537
Calumet Park$2,429
Camargo$1,565
Cambria$1,769
Cambridge$1,577
Camden$1,697
Cameron$1,589
Camp Grove$1,637
Camp Point$1,697
Campbell Hill$1,793
Campton Hills$1,721
Campus$1,613
Canton$1,661
Cantrall$1,721
Capron$1,721
Carbon Cliff$1,613
Carbondale$1,769
Carlinville$1,697
Carlock$1,613
Carlyle$1,697
Carmi$1,685
Carol Stream$1,805
Carpentersville$1,829
Carrier Mills$1,829
Carterville$1,769
Carthage$1,637
Cary$1,733
Casey$1,613
Caseyville$2,189
Castleton$1,637
Catlin$1,601
Cedar Point$1,589
Cedarville$1,613
Central City$1,685
Centralia$1,685
Centreville$2,321
Cerro Gordo$1,565
Chadwick$1,601
Chambersburg$1,709
Champaign$1,577
Chana$1,637
Channahon$1,793
Channel Lake$1,817
Charleston$1,541
Chatham$1,649
Chenoa$1,541
Cherry$1,577
Cherry Valley$1,745
Chester$1,793
Chesterfield$1,733
Chestnut$1,649
Chicago$2,345
Chicago Heights$2,201
Chicago Ridge$2,105
Chillicothe$1,697
Chrisman$1,613
Christopher$1,793
Cicero$2,441
Cisco$1,565
Cisne$1,673
Cissna Park$1,661
Clare$1,673
Claremont$1,637
Clarendon Hills$1,841
Clayton$1,709
Claytonville$1,661
Clifton$1,673
Clinton$1,589
Coal City$1,733
Coal Valley$1,601
Coatsburg$1,685
Cobden$1,781
Coello$1,793
Coffeen$1,685
Colchester$1,649
Colfax$1,589
Collinsville$1,817
Collison$1,613
Colona$1,613
Colp$1,757
Columbia$1,805
Colusa$1,757
Compton$1,625
Congerville$1,637
Cooksville$1,577
Cornell$1,565
Cornland$1,709
Cortland$1,625
Cottage Hills$1,853
Coulterville$1,805
Country Club Hills$2,213
Countryside$1,973
Cowden$1,625
Crainville$1,769
Crescent City$1,637
Crest Hill$1,913
Creston$1,649
Crestwood$2,093
Crete$1,889
Creve Coeur$1,709
Cropsey$1,577
Crossville$1,709
Crystal Lake$1,697
Crystal Lawns$1,901
Cuba$1,673
Cullom$1,589
Cutler$1,745
Cypress$1,793
Dahinda$1,613
Dakota$1,613
Dalton City$1,589
Dalzell$1,577
Dana$1,625
Danvers$1,589
Danville$1,613
Darien$1,877
Davis$1,637
Davis Junction$1,661
Dawson$1,745
De Land$1,541
DePue$1,577
De Soto$1,793
DeWitt$1,589
Decatur$1,697
Deer Grove$1,541
Deer Park$1,841
Deerfield$1,949
DeKalb$1,625
Delavan$1,661
Dennison$1,613
Des Plaines$2,069
Dewey$1,541
Diamond$1,733
Dieterich$1,577
Dix$1,733
Dixmoor$2,501
Dixon$1,589
Dolton$2,597
Dongola$1,793
Donnellson$1,697
Donovan$1,661
Dorsey$1,805
Dover$1,577
Dow$1,817
Dowell$1,769
Downers Grove$1,817
Downs$1,577
Du Quoin$1,733
Dundas$1,637
Dunfermline$1,661
Dunlap$1,721
Dupo$1,949
Durand$1,661
Dwight$1,589
Eagarville$1,757
Earlville$1,649
East Alton$1,913
East Carondelet$1,901
East Dubuque$1,649
East Dundee$1,805
East Galesburg$1,565
East Hazel Crest$2,393
East Lynn$1,637
East Moline$1,601
East Peoria$1,625
East St. Louis$2,309
Easton$1,697
Eddyville$1,841
Edelstein$1,709
Edgewood$1,589
Edinburg$1,757
Edwards$1,733
Edwardsville$1,829
Effingham$1,565
Elburn$1,649
Eldena$1,589
Eldorado$1,817
Eldred$1,721
Eleroy$1,745
Elgin$1,829
Elizabeth$1,649
Elizabethtown$1,865
Elk Grove Village$1,793
Elkville$1,805
Ellery$1,625
Elliott$1,577
Ellisville$1,685
Ellsworth$1,601
Elmhurst$1,817
Elmwood$1,745
Elmwood Park$2,369
Elvaston$1,649
Elwin$1,697
Elwood$1,817
Emden$1,649
Emington$1,601
Emma$1,805
Energy$1,793
Eola$1,745
Esmond$1,613
Essex$1,709
Eureka$1,613
Evanston$2,009
Evansville$1,817
Evergreen Park$2,213
Ewing$1,805
Fairbury$1,553
Fairfield$1,661
Fairmont$1,853
Fairmont City$2,321
Fairmount$1,625
Fairview Heights$1,889
Farina$1,589
Farmer City$1,565
Farmersville$1,709
Farmington$1,673
Fenton$1,553
Ferris$1,637
Fiatt$1,673
Fidelity$1,793
Fieldon$1,781
Findlay$1,589
Fisher$1,529
Fithian$1,625
Flanagan$1,577
Flat Rock$1,637
Flora$1,601
Flossmoor$2,069
Foosland$1,553
Ford Heights$2,213
Forest City$1,685
Forest Lake$1,853
Forest Park$2,273
Forest View$2,249
Forrest$1,565
Forreston$1,625
Forsyth$1,637
Fort Sheridan$1,889
Fowler$1,697
Fox Lake$1,829
Fox Lake Hills$1,841
Fox River Grove$1,733
Fox Valley$1,745
Frankfort$1,817
Frankfort Heights$1,865
Frankfort Square$1,829
Franklin Grove$1,637
Franklin Park$2,189
Frederick$1,709
Freeburg$1,781
Freeman Spur$1,925
Freeport$1,613
Fulton$1,577
Fults$1,817
Gages Lake$1,793
Galatia$1,817
Galena$1,625
Galesburg$1,529
Galt$1,589
Galva$1,565
Garden Prairie$1,709
Gardner$1,709
Gays$1,577
Geff$1,673
Geneseo$1,577
Geneva$1,697
Genoa$1,637
Georgetown$1,613
Gerlaw$1,589
German Valley$1,613
Germantown$1,697
Germantown Hills$1,649
Gibson City$1,577
Gifford$1,553
Gilberts$1,745
Gillespie$1,685
Gilman$1,637
Gilson$1,637
Girard$1,733
Glasford$1,745
Glen Carbon$1,781
Glen Ellyn$1,769
Glenarm$1,697
Glencoe$2,009
Glendale Heights$1,901
Glenview$2,045
Glenwood$2,141
Godfrey$1,901
Golconda$1,865
Golden$1,709
Golden Eagle$1,817
Golden Gate$1,673
Golf$2,069
Good Hope$1,649
Goodfield$1,613
Goodwine$1,757
Goreville$1,817
Gorham$1,805
Grafton$1,805
Grand Ridge$1,661
Grandview$1,721
Grandwood Park$1,793
Granite City$2,033
Grant Park$1,793
Grantsburg$1,829
Granville$1,661
Graymont$1,565
Grayslake$1,793
Grayville$1,649
Great Lakes$1,901
Green Oaks$1,817
Green Valley$1,673
Greenfield$1,709
Greenup$1,589
Greenview$1,733
Greenville$1,625
Greenwood$1,697
Griggsville$1,721
Gurnee$1,805
Hagaman$1,733
Hagarstown$1,733
Hainesville$1,805
Hamburg$1,793
Hamel$1,805
Hamilton$1,649
Hammond$1,577
Hampshire$1,733
Hampton$1,625
Hanna City$1,745
Hanover Park$1,901
Hardin$1,805
Harrisburg$1,817
Harrison$1,805
Harristown$1,661
Hartford$1,973
Hartsburg$1,673
Harvard$1,709
Harvey$2,585
Harwood Heights$2,225
Havana$1,697
Hawthorn Woods$1,865
Hazel Crest$2,381
Hebron$1,757
Hecker$1,841
Hennepin$1,661
Henning$1,601
Henry$1,637
Heritage Lake$1,661
Herod$1,841
Herrin$1,793
Herscher$1,709
Hettick$1,757
Heyworth$1,577
Hickory Hills$2,141
Hidalgo$1,613
Highland$1,757
Highland Park$1,925
Highwood$1,913
Hillsboro$1,685
Hillsdale$1,637
Hillside$1,973
Hillview$1,709
Hinckley$1,625
Hindsboro$1,553
Hines$2,189
Hinsdale$1,841
Hodgkins$1,973
Hoffman$1,661
Hoffman Estates$1,913
Holcomb$1,757
Holiday Shores$1,793
Homer$1,565
Homer Glen$1,841
Hometown$2,213
Homewood$2,165
Hoopeston$1,601
Hooppole$1,577
Hopkins Park$1,757
Hoyleton$1,661
Hudson$1,565
Huey$1,793
Hull$1,745
Humboldt$1,589
Hume$1,613
Huntley$1,721
Hurst$1,805
Hutsonville$1,625
Illinois City$1,649
Illiopolis$1,721
Ina$1,721
Indian Head Park$1,973
Indianola$1,625
Ingalls Park$2,009
Ingleside$1,817
Ingraham$1,625
Inverness$1,841
Ipava$1,649
Iroquois$1,685
Irvington$1,697
Island Lake$1,793
Itasca$1,841
Ivesdale$1,553
Jacksonville$1,613
Jacob$1,805
Janesville$1,721
Jerome$1,709
Jerseyville$1,721
Jewett$1,577
Johnsburg$1,769
Johnsonville$1,673
Johnston City$1,805
Joliet$1,901
Jonesboro$1,817
Joppa$1,853
Joy$1,601
Junction$1,829
Justice$2,261
Kampsville$1,769
Kane$1,721
Kaneville$1,817
Kankakee$1,829
Kansas$1,589
Karbers Ridge$1,865
Kasbeer$1,601
Keenes$1,709
Keensburg$1,625
Keithsburg$1,625
Kell$1,697
Kempton$1,589
Kenilworth$2,009
Kenney$1,577
Kent$1,649
Kewanee$1,553
Keyesport$1,625
Kildeer$1,865
Kincaid$1,721
Kinderhook$1,733
Kingston Mines$1,685
Kinmundy$1,673
Kinsman$1,697
Kirkland$1,625
Kirkwood$1,589
Knollwood$1,817
Knoxville$1,577
La Fayette$1,625
La Grange$1,961
La Grange Park$1,949
La Place$1,565
La Prairie$1,709
La Rose$1,625
Laclede$1,589
Lacon$1,649
Ladd$1,577
Lafox$1,817
Lake Barrington$1,853
Lake Bluff$1,829
Lake Forest$1,853
Lake Fork$1,709
Lake Holiday$1,661
Lake in the Hills$1,745
Lake of the Woods$1,541
Lake Petersburg$1,721
Lake Villa$1,829
Lake Zurich$1,853
Lakemoor$1,769
Lakewood$1,697
Lakewood Shores$1,769
Lanark$1,613
Lane$1,577
Lansing$2,105
LaSalle$1,589
Latham$1,673
Laura$1,697
Lawndale$1,757
Lawrenceville$1,649
Le Roy$1,553
Lebanon$1,769
Lee$1,661
Lee Center$1,589
Leland$1,709
Leland Grove$1,709
Lemont$1,913
Lena$1,625
Lenzburg$1,757
Leonore$1,649
Lerna$1,601
Lewistown$1,661
Lexington$1,553
Libertyville$1,805
Lima$1,709
Lincoln$1,613
Lincoln's New Salem$1,697
Lincolnshire$1,889
Lincolnwood$2,261
Lindenhurst$1,829
Lindenwood$1,625
Lisle$1,757
Litchfield$1,673
Literberry$1,757
Little York$1,601
Littleton$1,697
Liverpool$1,685
Livingston$1,757
Loami$1,697
Lockport$1,841
Loda$1,661
Logan$1,877
Lomax$1,577
Lombard$1,781
London Mills$1,697
Long Grove$1,865
Long Lake$1,817
Long Point$1,577
Longview$1,565
Loraine$1,709
Lostant$1,637
Louisville$1,625
Lovejoy$2,285
Loves Park$1,721
Lowder$1,793
Lowpoint$1,625
Lynn Center$1,589
Lynwood$2,201
Lyons$2,009
Macedonia$1,781
Machesney Park$1,769
Mackinaw$1,661
Macomb$1,613
Macon$1,625
Madison$2,273
Maeystown$1,889
Magnolia$1,673
Mahomet$1,529
Malden$1,589
Malta$1,637
Manchester$1,721
Manhattan$1,769
Manito$1,709
Manlius$1,577
Mansfield$1,553
Manteno$1,757
Maple Park$1,673
Mapleton$1,721
Marengo$1,709
Marietta$1,685
Marine$1,793
Marion$1,817
Marissa$1,745
Mark$1,661
Markham$2,573
Maroa$1,613
Marquette Heights$1,613
Marseilles$1,673
Marshall$1,601
Martinsville$1,613
Maryville$1,793
Mascoutah$1,769
Mason$1,577
Mason City$1,685
Matherville$1,601
Matteson$2,225
Mattoon$1,541
Maunie$1,709
Maywood$2,429
Mazon$1,685
McConnell$1,637
McHenry$1,757
McLean$1,589
McLeansboro$1,757
McNabb$1,673
Mechanicsburg$1,757
Medinah$1,865
Medora$1,733
Melrose Park$2,297
Melvin$1,577
Menard$1,913
Mendon$1,709
Mendota$1,589
Meredosia$1,685
Merna$1,589
Merrionette Park$2,165
Metamora$1,637
Metcalf$1,613
Metropolis$1,853
Mettawa$1,853
Michael$1,793
Middletown$1,673
Midlothian$2,105
Milan$1,613
Milford$1,625
Mill Shoals$1,709
Millbrook$1,721
Milledgeville$1,601
Miller City$1,901
Millington$1,721
Millstadt$1,841
Milmine$1,565
Mineral$1,601
Minier$1,685
Minonk$1,601
Minooka$1,781
Mitchell$2,033
Mode$1,613
Modesto$1,721
Modoc$1,829
Mokena$1,793
Moline$1,577
Momence$1,781
Monee$1,877
Monmouth$1,589
Monroe Center$1,661
Montgomery$1,805
Monticello$1,541
Montrose$1,577
Mooseheart$1,769
Morris$1,709
Morrison$1,553
Morrisonville$1,709
Morton$1,613
Morton Grove$2,129
Mossville$1,721
Mound City$1,853
Mounds$1,841
Mount Auburn$1,745
Mount Carmel$1,613
Mount Carroll$1,637
Mount Erie$1,697
Mount Morris$1,613
Mount Olive$1,685
Mount Prospect$1,961
Mount Pulaski$1,697
Mount Sterling$1,685
Mount Vernon$1,709
Mount Zion$1,601
Moweaqua$1,613
Mozier$1,841
Muddy$1,901
Mulberry Grove$1,613
Mulkeytown$1,793
Muncie$1,625
Mundelein$1,817
Murdock$1,565
Murphysboro$1,805
Nachusa$1,589
Naperville$1,769
Nashville$1,661
Nason$1,721
National Stock Yards$2,369
Nauvoo$1,661
Nebo$1,745
Neoga$1,565
Neponset$1,577
New Athens$1,793
New Baden$1,685
New Bedford$1,577
New Berlin$1,697
New Burnside$1,853
New Canton$1,733
New Douglas$1,781
New Haven$1,817
New Holland$1,673
New Lenox$1,781
New Memphis$1,685
New Milford$1,781
New Salem$1,709
New Windsor$1,601
Newark$1,709
Newman$1,589
Newton$1,601
Niantic$1,637
Niles$2,153
Nilwood$1,721
Niota$1,661
Noble$1,625
Nokomis$1,673
Nora$1,637
Normal$1,589
Norridge$2,237
Norris$1,757
Norris City$1,697
North Aurora$1,721
North Barrington$1,853
North Chicago$1,877
North City$1,793
North Pekin$1,613
North Riverside$2,021
North Utica$1,601
Northbrook$2,009
Northfield$1,961
Northlake$2,201
O'Fallon$1,781
Oak Brook$1,853
Oak Forest$2,021
Oak Lawn$2,129
Oak Park$2,165
Oakbrook Terrace$1,805
Oakdale$1,673
Oakford$1,733
Oakland$1,577
Oakwood$1,613
Oakwood Hills$1,745
Odell$1,565
Odin$1,697
Oglesby$1,601
Ohlman$1,829
Okawville$1,673
Olive Branch$1,877
Olivet$1,601
Olmsted$1,841
Olney$1,637
Olympia Fields$2,189
Onarga$1,637
Oneida$1,601
Opdyke$1,721
Ophiem$1,589
Oquawka$1,601
Orangeville$1,637
Oraville$1,901
Oreana$1,625
Oregon$1,649
Orient$1,769
Orion$1,589
Orland Hills$1,925
Orland Park$1,925
Oswego$1,721
Ottawa$1,589
Owaneco$1,709
Palatine$1,829
Palestine$1,625
Palmer$1,721
Palmyra$1,745
Paloma$1,709
Palos Heights$2,033
Palos Hills$2,081
Palos Park$2,105
Pana$1,673
Panama$1,673
Papineau$1,805
Paris$1,613
Park City$1,853
Park Forest$2,093
Park Ridge$2,117
Parkersburg$1,661
Patoka$1,673
Patterson$1,745
Paw Paw$1,637
Pawnee$1,721
Paxton$1,565
Payson$1,721
Pearl$1,745
Pearl City$1,625
Pecatonica$1,661
Pekin$1,613
Pembroke Township$1,781
Penfield$1,553
Peoria$1,733
Peoria Heights$1,685
Peotone$1,805
Percy$1,805
Perks$1,949
Perry$1,721
Peru$1,577
Petersburg$1,721
Philo$1,565
Phoenix$2,585
Piasa$1,733
Pierron$1,685
Pinckneyville$1,733
Piper City$1,589
Pistakee Highlands$1,781
Pittsburg$1,841
Pittsfield$1,709
Plainfield$1,865
Plainville$1,721
Plano$1,697
Plato Center$1,925
Pleasant Hill$1,733
Pleasant Plains$1,733
Plymouth$1,637
Pocahontas$1,673
Polo$1,625
Pomona$1,829
Pontiac$1,553
Pontoon Beach$2,033
Poplar Grove$1,721
Port Barrington$1,853
Port Byron$1,625
Posen$2,477
Potomac$1,613
Prairie du Rocher$1,829
Prairie Grove$1,709
Preemption$1,601
Prestbury$1,709
Preston Heights$1,973
Princeton$1,577
Prophetstown$1,553
Prospect Heights$1,985
Putnam$1,673
Quincy$1,541
Radom$1,685
Raleigh$1,817
Rankin$1,601
Ransom$1,673
Rantoul$1,529
Rapids City$1,757
Raritan$1,589
Raymond$1,697
Red Bud$1,829
Reddick$1,685
Redmon$1,589
Renault$1,829
Reynolds$1,625
Richmond$1,757
Richton Park$2,141
Ridge Farm$1,601
Rinard$1,661
Ringwood$1,769
River Forest$2,153
River Grove$2,297
Riverdale$2,441
Riverside$2,009
Riverton$1,709
Riverwoods$1,949
Robbins$2,405
Roberts$1,577
Robinson$1,613
Roby$1,757
Rochelle$1,577
Rochester$1,661
Rock City$1,625
Rock Falls$1,553
Rock Island$1,601
Rockbridge$1,709
Rockdale$1,937
Rockford$1,805
Rockport$1,721
Rockton$1,649
Rockwood$1,817
Rolling Meadows$1,805
Rome$1,697
Romeoville$1,877
Roodhouse$1,709
Rosamond$1,721
Roscoe$1,649
Roselle$1,805
Rosemont$2,081
Roseville$1,589
Rosewood Heights$1,913
Rosiclare$1,853
Rossville$1,613
Round Lake$1,817
Round Lake Beach$1,829
Round Lake Heights$1,829
Round Lake Park$1,829
Roxana$1,925
Royal$1,541
Royalton$1,781
Rushville$1,685
Russell$1,901
Rutland$1,625
Sailor Springs$1,637
Saint Augustine$1,625
Saint David$1,661
Saint Libory$1,769
Salem$1,673
San Jose$1,697
Sandoval$1,697
Sandwich$1,649
Sauk Village$2,213
Savanna$1,637
Savoy$1,577
Sawyerville$1,697
Saybrook$1,565
Scales Mound$1,637
Schaumburg$1,877
Scheller$1,733
Schiller Park$2,261
Schram City$1,685
Sciota$1,649
Scott AFB$1,745
Seaton$1,625
Seatonville$1,577
Secor$1,613
Seneca$1,685
Sesser$1,793
Seward$1,673
Seymour$1,553
Shannon$1,613
Shawneetown$1,829
Sheffield$1,589
Shelbyville$1,577
Sheldon$1,673
Sheridan$1,685
Sherman$1,709
Sherrard$1,601
Shiloh$1,793
Shirland$1,757
Shirley$1,565
Shobonier$1,589
Shorewood$1,877
Shumway$1,589
Sibley$1,577
Sidell$1,601
Sidney$1,589
Silvis$1,601
Sims$1,673
Skokie$2,285
Sleepy Hollow$1,805
Smithboro$1,637
Smithfield$1,673
Smithshire$1,601
Smithton$1,841
Somonauk$1,673
Sorento$1,649
South Barrington$1,865
South Beloit$1,637
South Chicago Heights$2,201
South Elgin$1,781
South Holland$2,249
South Jacksonville$1,613
South Pekin$1,649
South Roxana$1,889
South Suburban$2,297
South Wilmington$1,673
Southern View$1,769
Sparland$1,637
Sparta$1,805
Speer$1,637
Spring Grove$1,757
Spring Valley$1,601
Springerton$1,721
Springfield$1,721
St. Anne$1,805
St. Charles$1,721
St. Elmo$1,589
St. Francisville$1,625
St. Joseph$1,541
St. Peter$1,601
Standard$1,661
Stanford$1,589
Staunton$1,709
Ste. Marie$1,601
Steeleville$1,817
Steger$2,093
Sterling$1,553
Steward$1,625
Stewardson$1,613
Stickney$2,345
Stillman Valley$1,661
Stockland$1,661
Stockton$1,637
Stone Park$2,393
Stonington$1,721
Stoy$1,721
Strasburg$1,577
Strawn$1,589
Streamwood$1,901
Streator$1,625
Stronghurst$1,589
Sugar Grove$1,697
Sullivan$1,553
Summerfield$1,757
Summit$2,237
Summit Argo$2,249
Sumner$1,649
Sun River Terrace$1,793
Sutter$1,649
Swansea$1,829
Sycamore$1,601
Table Grove$1,697
Tallula$1,733
Tamaroa$1,745
Tampico$1,541
Taylor Ridge$1,637
Taylor Springs$1,685
Taylorville$1,697
Techny$2,033
Teutopolis$1,565
Texico$1,721
Thawville$1,649
Thayer$1,685
The Galena Territory$1,625
Thebes$1,877
Thomasboro$1,553
Thompsonville$1,793
Thomson$1,601
Thornton$2,129
Tilden$1,817
Tilton$1,601
Timewell$1,673
Tinley Park$1,925
Tiskilwa$1,577
Toledo$1,589
Tolono$1,565
Toluca$1,613
Tonica$1,637
Topeka$1,709
Toulon$1,637
Tovey$1,709
Tower Hill$1,601
Tower Lakes$1,853
Tremont$1,649
Trenton$1,685
Trilla$1,613
Triumph$1,733
Troy$1,793
Troy Grove$1,613
Tuscola$1,541
Twin Grove$1,565
Ullin$1,841
Union$1,733
Union Hill$1,709
Unity$1,841
University Park$2,033
Urbana$1,577
Valier$1,745
Valmeyer$1,841
Van Orin$1,589
Vandalia$1,577
Varna$1,625
Venetian Village$1,829
Venice$2,273
Vermilion$1,721
Vermont$1,649
Vernon$1,661
Vernon Hills$1,829
Verona$1,685
Vienna$1,817
Villa Grove$1,565
Villa Park$1,805
Viola$1,601
Virden$1,721
Virginia$1,697
Wadsworth$1,853
Waggoner$1,697
Walnut Hill$1,709
Walsh$1,829
Walshville$1,697
Waltonville$1,733
Wamac$1,685
Warren$1,637
Warrensburg$1,613
Warrenville$1,757
Warsaw$1,661
Wasco$1,853
Washburn$1,637
Washington$1,601
Washington Park$2,321
Wataga$1,589
Waterloo$1,793
Waterman$1,613
Watseka$1,661
Watson$1,577
Wauconda$1,805
Waukegan$1,853
Waverly$1,661
Wayne$1,817
Wayne City$1,685
Wedron$1,661
Weldon$1,589
Wellington$1,649
Wenona$1,625
West Brooklyn$1,589
West Chicago$1,793
West City$1,793
West Dundee$1,793
West Frankfort$1,769
West Liberty$1,613
West Peoria$1,721
West Point$1,661
West Salem$1,649
West Union$1,625
West York$1,637
Westchester$1,961
Western Springs$1,937
Westfield$1,613
Westmont$1,841
Westville$1,613
Wheaton$1,757
Wheeler$1,577
Wheeling$1,997
White Hall$1,697
White Heath$1,565
Whittington$1,793
Williamsfield$1,637
Williamsville$1,685
Willisville$1,757
Willow Springs$2,033
Willowbrook$1,889
Wilmette$2,021
Wilmington$1,769
Wilsonville$1,745
Winchester$1,697
Winfield$1,745
Winnebago$1,649
Winnetka$1,961
Winthrop Harbor$1,901
Witt$1,673
Wolf Lake$1,817
Wonder Lake$1,697
Wood Dale$1,853
Wood River$1,889
Woodhull$1,577
Woodland$1,661
Woodlawn$1,733
Woodridge$1,805
Woodson$1,637
Woodstock$1,709
Woosung$1,625
Worden$1,793
Worth$2,117
Wrights$1,829
Wyanet$1,577
Wyoming$1,637
Yale$1,613
Yates City$1,649
Yorkville$1,769
Zeigler$1,793
Zion$1,841

How to find the best car insurance in Illinois

Consider the following when selecting an auto insurance policy for Illinois:

  • Check Illinois Insurance Department to make sure the company's license is in good standing.
  • Look at credit rating companies for impartial feedback.
  • Deal with a reputable agent who does not use high-pressure sales techniques.
  • Get several quotes and take your time to appreciate the nuances of each policy fully.

Reasons Why Auto Insurance Costs More in Illinois

Many drivers have learned from personal experience that auto insurance costs rise every year. However, a lot goes into determining car insurance rates, and not every region has the same tendencies. There has been a recent trend toward more expensive auto insurance in Illinois. Year-over-year rate adjustments vary greatly by the state due to the complexity of auto insurance pricing.

Insurance companies utilize the location as one of the key rating variables when determining premiums. Auto insurance premiums are influenced by the location and state of a car due to state rules and the varying degrees of risk associated with insuring cars in different parts of the country.

Your car, your driving habits, demographic characteristics, and the coverages, limitations, and deductibles you select are all elements that may influence your auto insurance prices. These considerations could include your age, your car's anti-theft measures, and your driving record.

Consider switching to a new insurance provider if your coverage does not match the trend in your state. Get started with Way.com.

How to Get Discounts on Car Insurance in Illinois

There are a lot of auto insurance discounts you can get in Illinois. Many insurance providers can give discounts if you bundle your house, vehicle, life, and other insurance plans. You may also get points for good deeds, such as a clean driving record or a high credit score. If you're a veteran or a current member of the armed forces, don't hesitate to ask for military discounts.

Many of the insurers mentioned in this article have these types of discounts, but insurance providers give some special discounts. Here are a few highlights on the exclusive discounts available from the profiled providers:

  • The General Eagle Discount lowers insurance premiums for federal government employees.
  • Erie Rate Lock feature prevents policyholders from increasing premiums.
  • Auto-Owners' advance discount lowers the prices for new applicants who apply for a premium quote before the program's effective date.
  • Country Financial provides a discount on a profession to K-12 full-time firefighters, police officers, EMTs, and paramedics.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in Illinois?

State Farm has the cheapest rates for drivers with a minimum coverage rate of $436.

How much is car insurance in Illinois?

The average car insurance rate in Illinois is $1120 per year—21.6 percent lower than the national average. Your car insurance premiums are affected by factors other than the state in which you live.

What is the best auto insurance in Illinois?

State Farm has the best rates for drivers with a minimum coverage rate of $436.

What is minimum car insurance in Illinois?

The minimum amount of Illinois car insurance coverage is $2,5000/$50,000/$20,000. In the event of a covered accident, your limit for bodily injury is $25000 per person, with a total maximum of $50000 per incident. It also covers up to $20000 for damage to the property of another person.

Is it illegal to not have car insurance in Illinois?

Yes, driving without insurance in Illinois and across 48 of the 50 United States is illegal. In Illinois, liability insurance must be purchased at a minimum and must cover: $25000 per person for bodily injury. $50000 in bodily injury per accident.

Is it mandatory to have car insurance in Illinois?

In Illinois, all motorists are required by law to be covered by liability insurance to cover the cost of injury or damage caused to others or their property in the event of an accident. Without coverage, a single-vehicle collision could result in significant financial losses and cause you to lose your driving privileges.

What is the average cost of car insurance in Illinois?

The average auto insurance premium in Illinois is $1120 a year—21.6 percent lower than the national average. Your car insurance rates are influenced by factors other than the state in which you work.

What is the penalty for not getting car insurance in Illinois?

Getting found without an auto insurance policy in Illinois means a fine of at least $500 and suspended registration. You would have to pay extra fees to re-register and could also face a waiting period of several months if you are a repeat offender.

How long do you have to get an insurance policy after buying a car in Illinois?

In most cases, the Illinois new-car insurance grace period is 2 to 30 days. The new-car grace period is how long the insured drivers can drive a newly acquired vehicle before it is added to the current car insurance policy.

What happens if you don't have an auto insurance policy in Illinois?

Failure to have sufficient insurance is considered a petty crime, which means that only a fine—no prison time—is punishable. If you're caught driving uninsured, you might face a $1000 fine.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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