$1,678
Avg. Auto Insurance/Year
5% below national avg
$1,567
Avg. Home Insurance/Year
14% below national avg
#24
Cost Ranking (Most Expensive)
25/50/20
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average Illinois driver pays $1,678 annually for car insurance,
which is 5% below the national average."
Source: InsureCompare.com
How Illinois Compares to National Average
Auto Insurance
Illinois: $1,678 vs National: $1,771
Home Insurance
Illinois: $1,567 vs National: $1,820
Illinois Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$25k |
$100k+ |
| Bodily Injury (per accident) |
$50k |
$300k+ |
| Property Damage |
$20k |
$100k+ |
Cheapest Car Insurance Companies in Illinois
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$1,375 |
-18% |
| USAA (Military) |
$1,258 |
-25% |
| Progressive |
$1,476 |
-12% |
| State Farm |
$1,594 |
-5% |