BudgetAutoRates affordability gauge: Illinois premiums vs state median income. Lower claim costs than most states keep the needle toward the green.
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $39 | $122 | Overall cheapest |
| GEICO | $43 | $133 | Digital-first drivers |
| Progressive | $50 | $155 | High-risk / SR-22 |
| Allstate | $58 | $180 | Bundling home + auto |
| Farmers | $63 | $196 | Agent relationships |
| Liberty Mutual | $69 | $214 | Custom coverage add-ons |
Illustrative estimates for layout and comparison purposes; see our methodology.
Illinois requires liability coverage on every registered vehicle. The legal floor:
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $20,000 to replace, so one at-fault accident can outrun your property-damage limit.
UM coverage also required.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Premiums swing inside Illinois: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address.
Illinois rates average about 2% below the national average, near $63/mo for liability and $196/mo for full coverage. Lighter traffic, fewer claims, and lower repair costs keep pricing down, and comparing 3 or more quotes can push your rate lower still.
Penny asks:"What does skipping coverage really cost in Illinois?" Scout answers:"Fines, license suspension, SR-22 filings, and reinstatement fees, with exact amounts set by state law. A minimum policy is cheaper than the paperwork. Verify penalties with the Illinois Department of Insurance."
BudgetAutoRates