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Illinois Insurance Information

The fifth-most populous state in the country, Illinois is often considered a microcosm of the United States as a whole. The cultural, political, and social trends that take place in Illinois often portend how the rest of the nation will behave as well. Known as the "Land of Lincoln," Illinois has produced four presidents. Three of those presidents - Barack Obama, Ulysses S. Grant, and Abraham Lincoln - were residents of Illinois when elected. Ronald Reagan is the only one of the four to have been born in Illinois. About 65 percent of Illinois' population is concentrated in Chicago and the surrounding metropolitan areas, and the remaining residents live in numerous small towns throughout the state.

Whether you live in the Windy City or a rural town, you need a strong Illinois auto insurance policy to keep you safe on the road. The right Illinois car insurance coverage will keep you, your passengers, your vehicle, and your assets safe without unduly taxing your budget. As you will see when you request free Illinois auto insurance quotes on this page, a good policy does not have to be expensive. Dozens of carriers can offer you the coverage you need at a premium that fits comfortably in your budget. You can view no-cost Illinois car insurance quotes at any time by selecting your county from the dropdown menu at the bottom of the page. Our partner providers will show you their best premiums according to your location and other demographics.

The best part about our Illinois auto insurance quotes is that we will show you competitive offers from top-tier insurers. You can comparison shop for Illinois car insurance without ever having to navigate to another site. The quotes are free and come with no strings attached-you can proceed to the insurer's site if you wish to buy a policy you see or you are free to save your Illinois car insurance quotes and return at your convenience. We are available at the toll-free number listed at the top of the page if you need assistance along the way. See how much you could be saving on an Illinois car insurance policy by requesting your complimentary quotes now.

Illinois Population Data At-a-Glance

12,869,257 total population
36 average citizen age
96 males per 100 females
8 number of cities with > 100,000 residents
Chicago largest city in the state

Vital Illinois Insurance Facts

Illinois drivers can save time and money by comparing car insurance statistics with other localities. See how your policy compares to other states or regions by browsing our comparison charts and fact lists below. We are confident you will find it useful when comparing insurance quotes or shopping for a new policy.

Average Annual Illinois Insurance Premium Payment


About $66.92/Month. Illinois ranks as the 51st most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 1,930,389 Uninsured Drivers in the State of Illinois

IL Licensing Rules & Regulations

It is very important to obey licensing laws when operating an automobile. Driving with an expired license is a serious offense and subject to fines and other harsh penalties. Make sure your license is valid at all times.

Learner's Permit

15 Years

Unrestricted License

18 Years

Renewal Frequency

4 Years

Safety Requirements, Handheld Devices in Illinois

You may be tempted to send that text message while driving, but the truth is that it can wait! Too many Illinois drivers have learned the hard way that using a handheld device while driving is a horrible decision. Protect yourself and adhere to the safety laws put in place.

Seatbelt Offenses


Motorcycle Helmets

No Law

Handhelds Banned?


Text-Messaging Banned?


Illinois Impaired Driving Laws

Driving while under the influence of drugs or alcohol is serious, no matter how you look at it. Do not put yourself in a position to drink and drive before reviewing the Illinois DUI laws and regulations. Chances are, you will avoid breaking the law if you have a good understanding of the consequences.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

90 Days

Maximum Jail Sentence

365 Days

SR-22 Required?


Open Container Law