Car Insurance in Illinois
Illinois monitors car insurance statuses by sending insurance verification questionnaires on a random basis. Don’t be caught off guard.
Read more to learn about IL car insurance requirements, rates, and discounts.
IL Car Insurance Requirements
All drivers, even out-of-state drivers, are required to carry proof of insurance in their vehicle.
Driver’s of vehicles registered in Illinois must comply with Illinois car insurance laws. You must have BOTH:
- Liability insurance.
- Uninsured motorist coverage.
Liability insurance helps cover your costs associated with injuries or property damage to others resulting from a car accident you cause.
Your liability insurance must have the following minimum coverages:
- $25,000 for bodily injury per person.
- $50,000 total for bodily injury per accident.
- $20,000 for property damage.
Liability insurance does not cover your own costs for personal injuries or property damage.
Uninsured and Underinsured Motorist Insurance
In Illinois, you must also carry