How to think about auto insurance in Illinois: what to buy and why (2026)

For most Illinois drivers, $300K/$300K liability is the right starting point. The math: most carriers price the jump from $100K/$300K to $300K/$300K at $8-18 a month, and the protection difference is real. A serious bodily-injury claim crosses $100K fast.

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How PolicyChat sources this data

PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every rate cited on this page links to its source filing.

• State DOI / SERFF filings — public rate filings, refreshed daily.
• NAIC published averages — annual state aggregates (currently 2023, latest released).
• Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes when a user walks through Sage.

Methodology: /methodology/rate-authority/

How to think about this

The threshold to think harder is $500K in assets. Past that point, $300K/$300K plus a $1M umbrella is the standard package; the umbrella runs $150-300 a year and requires you to first carry $250K/$500K underlying. Below $500K in assets, $300K/$300K alone is plenty.

When the recommendation changes

• Below $50K in assets: minimum required limits are fine.

• $500K-$2M in assets: $300K/$300K + $1M umbrella.

• Above $2M in assets: talk to a high-net-worth broker about $2M-$5M umbrella.

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