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Auto insurance rates, minimum coverage requirements, and driver statistics for Illinois (IL).
Avg Annual Premium
$1,650
$76 below national avg
Cost Rank
#30
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
11.0%
of drivers
Min Liability
$540/yr
Legal minimum
Average Premium
$1,650/yr
State average
Full Coverage
$1,650/yr
Comprehensive + Collision
Illinois requires:
25/50 / 20 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $4,455 | $5,032 | $3,878 |
| 20-25 | $2,970 | $3,300 | $2,640 |
| 26-35 | $1,815 | $1,897 | $1,732 |
| 36-45 | $1,650 | $1,683 | $1,617 |
| 46-55 | $1,568 | $1,600 | $1,534 |
| 56-65 | $1,518 | $1,551 | $1,485 |
| 65+ | $1,732 | $1,782 | $1,683 |
Rates shown are annual averages for each age group in Illinois. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Illinois | National Avg |
|---|---|---|
| Average Annual Premium | $1,650 | $1,726 |
| Uninsured Rate | 11.0% | 11.1% |
| Registered Vehicles | 10,505,840 | 5,330,804 |
| Accidents per Year | 157,587 | 79,962 |
Population
12,812,000
Registered Vehicles
10,505,840
Accidents per Year
157,587
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.