Illinois Auto Insurance Calculator 2026
Estimate your auto insurance premium in Illinois (IL). Illinois rates are 5% above the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
Fill in your details to see your estimated auto insurance premium
Illinois Auto Insurance Overview
Illinois drivers pay approximately 5% more than the national average for auto insurance. The state premium factor is 1.05x relative to the national baseline.
Illinois Minimum Coverage Requirements
Illinois requires minimum liability coverage of 25/50/20 ($25,000/$50,000 bodily injury, $20,000 property damage).
Illinois requires uninsured/underinsured motorist (UM/UIM) coverage.
Note: Tort state; UM/UIM required
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