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Illinois Auto Insurance Coverage Requirements



Drivers in Illinois need to abide by the state's mandatory minimum auto insurance requirements. Illinois is not a "no-fault" state and so drivers are only required to carry liability insurance. The following are the mandatory limits:
  • $25,000 per person/$50,000 per accident of bodily injury liability insurance
  • $20,000 of property damage liability insurance
  • $25,000 per person/$50,000 per accident of uninsured motorist bodily injury coverage

Study Methodology

The sample quotes we obtained were for full coverage to insure a 2011 Toyota Camry that is used for commute daily, averaging 12,000 miles a year. Our sample driver is a 30 year old single male with good credit and a clean driving history.
Finally, we looked at quotes from 28 auto insurance companies licensed to do business in Illinois, and averaged the sample rates to come up with a city average. The companies we included represented a sample of the largest insurers in the state, as well as some more local companies, including but not limited to: State Farm, Allstate, Farmers, COUNTRY Financial, Cincinnati Insurance, Grange Mutual, and 21st Century.

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