Updated April 2026
Minimum Coverage Requirements in Illinois
Illinois mandates minimum liability coverage of 25/50/20: $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions typically must file SR-22 proof of insurance with the Illinois Secretary of State for 3 years. These minimums rarely cover the full cost of a serious accident, and high-risk drivers who cause damage exceeding their limits face personal liability for the difference.
How Much Does Car Insurance Cost in Illinois?
High-risk drivers in Illinois typically pay $200–$400/mo for minimum liability with SR-22, compared to $80–$120/mo for drivers with clean records. DUI convictions carry the steepest surcharges — often 150–250% above standard rates — while at-fault accidents and lapses add 40–80%. Rates vary widely by carrier, and non-standard insurers who specialize in SR-22 filings often offer better rates than standard carriers who view high-risk drivers as unprofitable.
What Affects Your Rate
- Type of violation: DUI convictions increase rates 150–250%, while at-fault accidents add 40–80% and lapses add 20–50%
- Time since violation: rates decrease 10–20% annually if you maintain continuous coverage without new incidents
- Carrier specialization: non-standard insurers who focus on SR-22 drivers often beat standard carriers by 20–40%
- ZIP code: Chicago and Cook County rates run 25–50% higher than downstate Illinois due to higher accident and theft rates
- Coverage limits: increasing liability from 25/50/20 to 100/300/100 adds $30–$60/mo but protects against personal liability in lawsuits
- Vehicle type: insuring a newer or high-performance vehicle during SR-22 period can double comprehensive and collision premiums
Compare Auto Insurance Rates in Illinois
Find Your City in Illinois
Sources
- Illinois Secretary of State - SR-22 Insurance Requirements
- Illinois Department of Insurance - Minimum Coverage Standards
- Illinois Compiled Statutes 625 ILCS 5/7-601 - Financial Responsibility