Over 75 Auto Insurance
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Illinois Auto Insurance for Drivers 75 and Older

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

Minimum Coverage Requirements in Illinois

Illinois operates under a fault-based liability system, meaning the at-fault driver's insurance pays for damages in an accident. Under current Illinois state requirements, all drivers must maintain continuous proof of financial responsibility, verified at registration and during traffic stops. The Illinois Secretary of State tracks insurance status electronically through the Compliance Verification System, and lapses trigger immediate suspension notices.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal defense when you cause an accident that injures others. Illinois's 25/50 minimum is among the lowest in the nation and covers less than the average emergency room visit for serious injuries. For drivers 75 and older, liability claims often involve higher medical costs because injured parties in this demographic tend to have longer recovery periods, making the minimum insufficient for real-world protection.

Property Damage Liability

Pays for damage to another driver's vehicle, fence, building, or other property when you are at fault. Illinois does not offer property damage coverage waivers, and failure to maintain this coverage results in immediate registration suspension.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient coverage to pay your claim. Carriers must offer UM coverage at the same limits as your liability policy, and rejection requires a signed waiver at policy inception—verbal rejection does not count, and the coverage is added automatically if the form is not completed.

Comprehensive Coverage

Covers damage to your vehicle from theft, vandalism, hail, flood, fire, and animal strikes. Not legally required in Illinois, but lenders mandate it for financed or leased vehicles. For drivers 75 and older owning vehicles outright, comprehensive remains cost-effective in Illinois due to frequent hail events in central and northern counties and deer strikes in rural areas—claims rates for both are higher than the national average in this state.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident or single-vehicle collision, regardless of fault determination. Not mandated by Illinois law unless required by a lienholder.

What Drivers Pay in Illinois

$139–$140/mo

Typical monthly rate in Illinois, drivers 65 and over

Rate data: MoneyGeek and Insure.com, 2026

What Affects Your Rate

  • Credit-based insurance scores continue to affect rates for drivers 75+ in Illinois, and aging into fixed-income status with reduced credit utilization can trigger rate increases even with no claims.
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Find Coverage That Fits Driving Past 75

Compare Auto Insurance for Drivers 75+

Mature-driver discount

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 Illinois insurance companies typically non-renew policies?

Most major carriers in Illinois do not have blanket age-based non-renewal policies, but some non-standard and regional carriers issue non-renewals between ages 79 and 82. Non-renewals at this age are often triggered by claims frequency rather than age alone—two at-fault accidents within three years or a single serious claim after age 78 increases non-renewal probability significantly. If you receive a non-renewal notice, Illinois law requires 30 days' written notice before the policy ends, giving you time to secure replacement coverage.

Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Illinois's 25/50/20 minimum is the floor—not a recommendation.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when the at-fault driver has no insurance or flees the scene.

Comprehensive Coverage

Covers non-collision damage to your vehicle—theft, hail, flood, fire, vandalism, and animal strikes.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident or any collision, regardless of fault determination.

Find Your City in Illinois

Chicago

urban

Aurora

suburban

Joliet

suburban

Naperville

suburban

Rockford

urban

Elgin

suburban

Springfield

suburban

Peoria

urban

Waukegan

suburban

Champaign

urban

Cicero

urban

Evanston

suburban