Minimum Coverage Requirements in Illinois
Illinois requires minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Drivers convicted of DUI, suspended for multiple violations, or involved in uninsured accidents typically must file SR-22 proof of financial responsibility with the Illinois Secretary of State for 3 years. These minimums are low — high-risk drivers facing non-standard carrier placement often need higher limits to qualify for coverage or avoid rate surcharges.
How Much Does Car Insurance Cost in Illinois?
High-risk auto insurance in Illinois costs $200–$500/mo depending on violation type, location, and coverage level — 2 to 4 times the rate for clean-record drivers. DUI convictions trigger the highest surcharges, often 150–250% above standard rates, while license suspensions and multiple violations raise rates 80–150%. Cook County drivers face premiums 20–40% higher than rural counties due to claim frequency and uninsured motorist rates.
What Affects Your Rate
- Violation type: DUI convictions increase rates 150–250%; at-fault accidents 40–80%; multiple speeding tickets 50–100%
- SR-22 filing status: adds $15–$35 filing fee plus administrative surcharges from some non-standard carriers
- County location: Cook County premiums run 25–40% higher than downstate counties due to claim density
- Time since violation: rates drop 10–20% annually after 3 years if no new incidents occur
- Coverage level: full coverage costs 40–60% more than liability-only in the high-risk market
- Age and gender: drivers under 25 with DUI convictions face the highest non-standard rates, often $500–$700/mo for full coverage
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Required for SR-22 filing and legal driving in Illinois.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to the Illinois Secretary of State proving continuous coverage. Not a separate policy.
Non-Standard Auto Insurance
Coverage designed for drivers with DUI, suspensions, lapses, or multiple violations who cannot qualify for standard carriers.
Uninsured Motorist Coverage
Protects you if hit by an uninsured or underinsured driver. Optional in Illinois but must be offered by all carriers.
Full Coverage
Liability, comprehensive, and collision bundled. Covers damage to your vehicle and others' property/injuries.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, regardless of who caused it.
