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Illinois Auto Insurance Requirements


Driving in Illinois

To get an Illinois driver’s license, one has to show proof of insurance that meets the state minimums.  In Illinois, the minimum coverage levels are:

  • Bodily Injury Liability: $20,000 for injury/death to one person; $40,000 total for each accident.
  • Uninsured Motorist Bodily Injury Coverage: $20,000 per person; $40,000 per accident.
  • Property Damage Liability: $15,000 per accident.

 

Additionally, Illinois motorists must carry underinsured motorist insurance, which covers the difference between your UIM limits and the liability limits of the at-fault driver.  If you want more information about what these numbers mean, check out our liability coverage page.

In 2015, Illinois drivers will see an increase in car insurance requirements.  The legislature voted to raise the personal injury liability minimum coverage to $25,000 for injury/death to one person and $50,000 total per accident.

Medical payments, collision insurance, and comprehensive coverage are not required in Illinois; however, these supplemental coverages may be beneficial.  Check out our resources page for more details on your options.

Often, an accident may cost more than you anticipate, with medical expenses, repairs, and legal fees.  The state minimums make sure you have the lowest protection possible; sometimes, a higher amount of coverage may be appropriate.  Compare rates in your area to find the plan that is best for you.

Illinois Auto Insurance Discounts

Some businesses or groups have relationships with insurance companies that allow their employees or members to receive discounts on their insurance just for being a part of that group.  Check with your employers or organizational leaders to see if you can benefit from one of these “affinity group” relationships.

Illinois Auto Insurance Penalties

Illinois Group Discounts

Failing to carry appropriate insurance in Illinois is a violation of state law.  The penalties include:

  • $500 – $1,000 fine.
  • Suspension of your driver’s license, with an additional $100 fee to reinstate.
  • Up to a year in jail if you cause a serious accident while uninsured.
  • Requirement to file an SR-22 yearly to maintain your license, once it has been reinstated.

To learn more about the requirements and penalties, visit the Illinois Department of Insurance.

Car Registration and Licensing Guide

Read our Illinois Car Registration and Licensing guide to earn what steps you need to take when getting a Illinois driver’s license, registering your car, and more.

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