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Illinois car insurance

Illinois Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Illinois mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. This extends to include other motorized vehicles including vans, motorcycles, RVs, busses, and trucks.

Illinois does not require proof of insurance when a vehicle is registered and instead conducts random insurance audits. If caught without proper proof of insurance, a driver’s license plates are suspended.

Those unable to provide proper proof of insurance when they are stopped will have to pay a mandatory $500 fine in addition to $100 to reinstate their registration.

Illinois Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Illinois they are as follows:

  • Bodily Injury for One Person: $20,000
  • Bodily Injury for All Injuries: $40,000
  • Property Damage: $15,000

Illinois Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Illinois does not require this coverage but does recommend carrying as much as one can afford.

No Fault Insurance
In Illinois, you are not required to carry no-fault insurance. Illinois is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.