Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Illinois apart
Photo-radar and Chicago theft split the state into very different rate zones.
Minimum vs. full coverage in Illinois
What each coverage level costs on the Illinois average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $660 | $55 |
| Liability Only | $1,060 | $88 |
| Full | $1,930 | $161 |
| Full Low Deductible | $2,350 | $196 |
Minimum coverage saves about $1,270/yr vs full — but caps protection at 25/50/20. One at-fault crash above those limits and the gap is yours.
Illinois car insurance FAQ
- What's the minimum car insurance required in Illinois?
- Illinois's state minimum is 25/50/20 — $25k bodily injury per person, $50k per accident, $20k property damage. Minimum-only runs about $660/yr but leaves you exposed above those caps.
- How much is full coverage in Illinois?
- Representative full coverage averages $1,930/yr (about $161/mo), ranking Illinois #25 of 51 states for cost.
- Why is Illinois car insurance priced the way it is?
- Photo-radar and Chicago theft split the state into very different rate zones.