Cheap Car Insurance in Illinois
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Illinois Car Insurance Minimums
Illinois requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$20,000
- Uninsured motorist bodily injury: $25,000/$50,000
At-fault (tort) state.
Source: 215 ILCS 5/143a; 215 ILCS 5/143a-2; 625 ILCS 5/7-203, verified 2026-09-01.
What drives car insurance rates in Illinois
Average spend per insured vehicle, 2023
$1,153
Illinois drivers spent $1,153 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
72.8¢
Auto insurers in Illinois paid 72.8 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.13
Illinois recorded 1,177 traffic deaths in 2024, 1.13 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
237.9
Illinois reported 30,257 motor vehicle thefts in 2025, 237.9 per 100,000 residents, from 290.4 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#4
FEMA ranks Illinois #4 of 51 for expected annual loss from natural hazards; flood accounts for 46% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Illinois
The ten insurer groups that wrote the most auto premium in Illinois in 2025, with their share of the state total of $11.1 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 30.95% | $3.5 billion |
| 2 | Progressive Group | 14.7% | $1.6 billion |
| 3 | Allstate Insurance Group | 12.17% | $1.4 billion |
| 4 | Country Insurance & Financial Services Group | 6.41% | $715 million |
| 5 | Berkshire Hathaway Group | 6.24% | $695 million |
| 6 | Farmers Insurance Group | 3.19% | $356 million |
| 7 | American Family Insurance Group | 2.83% | $315 million |
| 8 | United Services Automobile Association Group | 2.74% | $305 million |
| 9 | Liberty Mutual Group | 1.88% | $210 million |
| 10 | Erie Insurance Group | 1.79% | $200 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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