Illinois Auto Insurance for Senior Drivers 65+
Illinois requires 25/50/20 liability coverage and is an at-fault state.
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Illinois at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
79
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Senior drivers on fixed incomes should note that these state minimums may not provide adequate protection against medical costs or vehicle replacement after an at-fault accident.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Comprehensive Coverage
Collision Coverage
Cost Overview
$139–$140/mo
Typical monthly rate in Illinois, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
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Required by state law
215 ILCS 5/143.29 (55+, insurer-determined reductions)
Source: state statutes and insurance departments, verified July 2026
Frequently Asked Questions
At what age do car insurance rates start increasing in Illinois?
Most Illinois insurers begin implementing modest rate increases around age 70, with more noticeable increases after 75. However, drivers who maintain clean records, complete mature driver courses, and qualify for low-mileage discounts can offset these increases. Illinois law prohibits insurers from canceling policies based solely on age, providing protection for older drivers.
Will my insurance company cancel my policy because of my age in Illinois?
No. Illinois law prohibits insurers from canceling or refusing to renew a policy based solely on age. However, insurers can still cancel or non-renew for other reasons like accidents, violations, or non-payment. Some carriers implement additional underwriting reviews at age 75 or 80, but age alone cannot trigger cancellation in Illinois, providing important protection for senior drivers.
Coverage Types
Liability Insurance
Illinois' 25/50/25 minimum liability is inadequate for senior drivers with retirement assets. Consider 100/300/100 limits to protect home equity and savings from lawsuits following serious accidents.
Uninsured Motorist Coverage
Covers your medical costs and vehicle damage when an at-fault driver lacks insurance. With 14% of Illinois drivers uninsured—higher in Cook County—this coverage protects senior drivers who face longer recovery periods and higher medical costs after accidents.
Medical Payments Coverage
Pays immediate medical costs after an accident regardless of fault, covering deductibles, copays, and services Medicare may not cover immediately. Senior drivers should carry $5,000–$10,000 in MedPay as secondary coverage to Medicare.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and deer strikes. Illinois reports over 15,000 deer-vehicle collisions annually, concentrated in rural counties where many senior drivers live.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Senior drivers should evaluate whether annual collision premiums plus deductible exceed 10% of their vehicle's current value.
Full Coverage Package
Combines comprehensive, collision, and higher liability limits with uninsured motorist protection. This package makes sense for senior drivers with newer vehicles, those still financing, or drivers with substantial assets requiring liability protection above state minimums.