What is the minimum car insurance requirement in Illinois?

Illinois requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.

Is Illinois an at-fault or no-fault state?

Illinois is an at-fault state for car insurance claims.

Field report · IL

Car insurance in Illinois

Illinois is an at-fault state with a minimum liability requirement of 25/50/20. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/201

Fault systemAt-fault1

Uninsured motoristRequired1

RegulatorIllinois Secretary of State, Vehicle Services Department (Illinois has no separate standalone 'DMV')

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.

UM/UIM bodily-injury coverage matching the liability limits (at least 25/50) is required by law and cannot be waived below that.

Estimated cost

$667 a year for minimum coverage, $2,376 for full coverage2

Average annual premiums in Illinois for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI/DWI conviction, reckless driving, driving uninsured, an at-fault accident without insurance, or license suspension/revocation reinstatement.

Local conditions worth knowing

Chicago-area traffic density drives higher urban accident and theft frequency than the state average, pulling up statewide figures despite many cheaper rural counties.

Frequently asked

What is the minimum car insurance requirement in Illinois?: Illinois requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.
Is Illinois an at-fault or no-fault state?: Illinois is an at-fault state for car insurance claims.
Do I need an SR-22 in Illinois?: Typically required after a DUI/DWI conviction, reckless driving, driving uninsured, an at-fault accident without insurance, or license suspension/revocation reinstatement.
Is uninsured motorist coverage required in Illinois?: UM/UIM bodily-injury coverage matching the liability limits (at least 25/50) is required by law and cannot be waived below that.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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