Illinois presents a diverse risk profile with dense urban congestion in Chicago and vast rural roadways across the state. While premiums are moderate, high accident rates, uninsured drivers, and litigation costs keep rates above national averages in metro areas.
Illinois Auto Insurance Facts
Drivers
- ~8.1–8.3 million licensed drivers as of 2023.
- High concentration of drivers in the Chicago metro area.
- ~91% of households statewide own at least one vehicle.
- Cook County sees elevated vehicle density, accident volume, and insurance claims.
- Uninsured motorist rate hovers around 13–14%.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~319,100
| ~94,200
| 1,035
|
| 2019
| ~312,900
| ~93,000
| 1,010
|
| 2020
| ~246,800
| ~76,900
| 1,088
|
| 2021
| ~295,600
| ~87,500
| 1,217
|
| 2022
| ~309,600
| ~90,000
| 1,268
|
Laws & Regulations
- Fault-based (tort) system.
- Uninsured motorist coverage required.
- Mandatory proof of insurance with electronic verification.
