Illinois Car Insurance Quotes — Compare & Save | Squeeze

Compare Illinois car insurance quotes, including required uninsured motorist coverage. See your rate from top IL carriers in minutes.

Open two-lane highway at dusk on a quiet stretch of road in Illinois

Illinois is one of a smaller group of states that requires uninsured motorist coverage on every policy, which shapes what a minimum policy actually costs here. Squeeze shops Illinois' carrier market to help you meet the requirement without overpaying for it.

FAQs

Is uninsured motorist coverage required in Illinois?

Yes — Illinois is one of the few states that mandates UM/UIM coverage on every auto policy.

What's the minimum coverage required in Illinois?

25/50/20 liability, plus mandatory 25/50 UM/UIM coverage.

Is Illinois a no-fault state?

No — Illinois is an at-fault (tort) state.

Minimum Coverage Summary

Illinois requires:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
$25,000/$50,000 uninsured/underinsured motorist (UM/UIM) coverage — required, unlike most states where it's optional

Rate Factors

Chicago-metro theft and density — vehicle theft rates and accident frequency are both higher in and around Chicago than downstate
Mandatory UM/UIM coverage, which adds cost to even a minimum policy compared to states where it's optional
Winter weather claims tied to snow and ice statewide
Meaningful downstate-vs-Chicago rate spread, similar to Ohio's urban/rural divide

Carrier Note

Squeeze shops both standard and non-standard Illinois carriers, ensuring drivers can meet the state's mandatory UM/UIM requirement at a competitive rate.