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Better rates for better drivers in Illinois

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Fair car insurance in Illinois

From Chicago to Jefferson Park and Arlington Heights to Peoria, good drivers in Illinois can get affordable car insurance. It’s easy. Download the Root app, complete the test drive, and then see what you’ll save on your car insurance quote. Good drivers could get quality car insurance and save hundreds.

How it works

At Root, we care about how you actually drive. So that’s primarily how we base rates. Traditional auto insurance companies base your rate on things like age, credit score, marital status, and ZIP code—we don't think that's fair, so we’re doing it differently.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements for auto insurance in Illinois

What are the state minimum requirements for car insurance in Illinois?

Illinois requires drivers to carry both Liability insurance and Uninsured/Underinsured Motorist coverage. Failure to meet the minimum requirements could result in a fine and suspension of your driver’s license and registration.

Liability coverage

Liability helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). Uninsured/Underinsured Motorists Bodily Injury (UM/UIM) helps to cover injuries to you and your passengers in a car accident with an uninsured or underinsured driver.

Minimum required Liability coverage in IL:

  • $25,000 for bodily injury (per person)

  • $50,000 total for bodily injury (per accident - multiple people injured)

  • $20,000 for property damage

Uninsured/Underinsured Motorist Bodily Injury coverage

Uninsured Motorist and Underinsured Motorist coverages are both required coverages. They pay for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. You’re also covered if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.

Minimum UM/UIM limits:

  • $25,000 per person

  • $50,000 total per accident

Note: UM/UIM will not cover property damage.

What is SR-22 insurance?

SR-22 insurance is required in Illinois for high-risk drivers, such as someone with a DUI or who has driven without insurance. The SR-22 is actually not insurance–it’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. Your insurance company will file it with the Illinois Driver Services Department.

What other coverages does Root offer?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Illinois?

The average driver in Illinois pays $1,434[1] per year for their auto insurance. However, many people are paying much more—often because of bad drivers. That means our customers are getting some of the cheapest auto insurance in the state, saving up to $900 a year.

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  1. Annual average rates were compiled in April 2020

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Root Inc.

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Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.