Insurance in Illinois

Compare auto, home, and life insurance rates in Illinois from top-rated carriers. Free quotes from licensed agents. Veteran-owned & operated.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance

🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Insurance Options in Illinois

🚗 Auto Insurance in Illinois› 🏠 Home Insurance in Illinois› 💚 Life Insurance in Illinois›

Auto Insurance Rates in Illinois (2026)

Illinois uses an at-fault/tort insurance system. The state mandates minimum liability coverage of 25/50/20. The average full coverage premium is $163/month. Here are the cheapest options:

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$738	$123/mo
Progressive	$834	$139/mo
Country Financial	$858	$143/mo
State Farm	$912	$152/mo
Allstate	$1,110	$185/mo

→ Full Illinois auto insurance guide with city rates

Illinois Insurance at a Glance

$163

Avg. Monthly (Auto)

$123

Cheapest Auto Rate

25/50/20

Min. Liability Limits

14%

Uninsured Drivers

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Popular Auto Insurance Topics in Illinois

Auto Insurance by City in Illinois

Rates vary significantly by city. Click yours for local rate comparisons:

📍 Chicago› 📍 Aurora› 📍 Joliet› 📍 Naperville› 📍 Rockford› 📍 Elgin› 📍 Springfield› 📍 Peoria› 📍 Waukegan› 📍 Champaign› 📍 Cicero› 📍 Schaumburg› 📍 Bloomington› 📍 Evanston› 📍 Arlington Heights› 📍 Bolingbrook› 📍 Decatur› 📍 Palatine› 📍 Skokie› 📍 Des Plaines› 📍 Orland Park› 📍 Oak Lawn› 📍 Berwyn› 📍 Mount Prospect› 📍 Tinley Park› 📍 Oak Park› 📍 Wheaton› 📍 Normal› 📍 Hoffman Estates› 📍 Downers Grove› 🗺️ View All 220 Cities›

Illinois Insurance FAQ

What insurance do I need in Illinois?

At minimum, Illinois requires liability auto insurance with limits of 25/50/20. Most Illinois residents also benefit from homeowners or renters insurance and life insurance. We can help you find the best rates for all three.

Who has the cheapest insurance in Illinois?

For auto insurance, GEICO offers the cheapest full coverage at $123/month. However, rates vary by driver — comparing multiple carriers is the best way to find your lowest rate.

How can I save on insurance in Illinois?

Bundle multiple policies (auto + home), compare quotes from several carriers, maintain a clean driving record, raise your deductible, and ask about available discounts. Call us at (888) 217-6781 for a free comparison.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Illinois Department of Insurance — official state insurance regulator for Illinois.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Illinois Secretary of State — Illinois vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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