Minimum Coverage Requirements in Illinois
Illinois requires minimum liability coverage of 25/50/20 ($25,000 bodily injury per person, $50,000 per accident, $20,000 property damage) and uninsured motorist coverage at the same limits. SR-22 filing is required after DUI convictions, license suspensions for serious violations, or driving without insurance—not for standard speeding tickets or point violations. Most drivers with points on their record do not need SR-22 but will see rate increases based on violation type and point accumulation.
How Much Does Car Insurance Cost in Illinois?
Drivers with points or violations in Illinois typically pay $150–$280/mo for full coverage depending on violation type, with DUI and reckless driving carrying the highest surcharges. Rates peak in the first 1–2 years after a violation, then decrease as the incident ages—most violations affect rates for 3–5 years, though they remain on your driving record longer. Chicago, Aurora, and Rockford drivers face higher baseline rates due to accident frequency and theft risk.
What Affects Your Rate
- Violation type and severity (DUI, reckless driving, and at-fault accidents with injury carry 50–150% surcharges; speeding tickets 15–30%)
- Time since violation (rates drop 10–20% annually after year one if no new incidents)
- Number of points on license (Illinois uses a suspension threshold of 3 violations in 12 months, which signals higher risk to insurers)
- Geographic location (Cook County rates run 20–40% higher than downstate due to accident density and uninsured driver rates)
- Whether SR-22 filing is required (limits carrier options to non-standard market)
- Credit-based insurance score in Illinois (state allows credit as a rating factor, which compounds rate increases for drivers with violations)
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 in at-fault accidents. Illinois requires 25/50/20, but drivers with violations should carry 50/100/50 or higher to protect assets and avoid out-of-pocket exposure.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your vehicle and others. Required by lenders and essential for drivers with financed vehicles or cars worth more than a few thousand dollars.
Uninsured Motorist Coverage
Mandatory in Illinois at 25/50/20 limits, this covers you when hit by a driver without insurance or with insufficient coverage. You cannot waive this coverage in Illinois.
SR-22 Insurance
SR-22 is a state-required certificate filed by your insurer proving continuous coverage after serious violations like DUI or suspended license. Filing costs $15–$35, but the violation itself drives premium increases.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspended license, multiple violations, or SR-22 requirements who cannot get standard policies. Non-standard carriers accept higher-risk profiles but charge higher premiums.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the damage. Lenders require this if you finance or lease your vehicle.
