Car Insurance Requirements in Illinois (2024)

You must meet the 25/50/20 minimum car insurance requirements to drive in Illinois.

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Updated September 5, 2024

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Cheapest recent rates in Illinois

Recent Illinois car insurance prices for Ford, Buick, Jeep , and more.

We just helped a driver in Loves Park, Illinois cover their Chevrolet Colorado with this quote from Certainly.

A Crete, Illinois driver just saved on coverage for their Chevrolet Cobalt with this quote from National General.

We just helped a driver in Streator, Illinois cover their Hyundai Sonata with this quote from Mercury.

A Glendale Heights, Illinois driver just saved on coverage for their Hyundai Tucson with this quote from Bristol West.

Freedom National helped a Ford Escape driver in Maywood, Illinois save on car insurance with this quote.

We just helped a driver in Springfield, Illinois cover their Buick Regal with this quote from Safeco.

A Pittsfield, Illinois driver just saved on coverage for their Chevrolet Impala with this quote from First Chicago.

The General helped a Chrysler 200 driver in Danville, Illinois save on car insurance with this quote.

*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on September 5, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

A Lake Forest, Illinois driver just saved on coverage for their Jeep Grand Cherokee with this quote from Liberty Mutual.

Certainly helped a Nissan Sentra driver in Tinley Park, Illinois save on car insurance with this quote.

A Downers Grove, Illinois driver just saved on coverage for their Chevrolet Equinox with this quote from Direct Auto.

We just helped a driver in Hoffman Estates, Illinois cover their Nissan Murano with this quote from First Chicago.

A Zion, Illinois driver just saved on coverage for their Nissan Altima with this quote from Freedom National.

*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on September 5, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Table of contents

• IL requirements
• ILAIP
• Required coverage
• Liability only
• Full coverage
• Driving uninsured
• Optional coverages
• FAQs

• IL requirements
• ILAIP
• Required coverage
• Liability only
• Full coverage
• Driving uninsured
• Optional coverages
• FAQs

Table of contents

• IL requirements
• ILAIP
• Required coverage
• Liability only
• Full coverage
• Driving uninsured
• Optional coverages
• FAQs

• IL requirements
• ILAIP
• Required coverage
• Liability only
• Full coverage
• Driving uninsured
• Optional coverages
• FAQs

Nearly every state in the U.S. requires drivers to carry auto insurance to legally operate a vehicle, and Illinois is no different.

Before taking your vehicle on the road, it’s crucial to understand the coverage requirements in your state. Failure to properly insure your car can result in penalties such as fines and suspension of your vehicle registration.

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Illinois car insurance requirements

Illinois requires all drivers to carry liability car insurance. It comprises bodily injury and property damage insurance, and the state sets specific coverage limits for each. Illinois also requires all drivers to have uninsured motorist coverage, which fewer than half of states require. [1]

Bodily injury liability coverage

Bodily injury liability coverage pays for costs that result from injuries to other people when you’re at fault for a car accident. Bodily injury coverage may also cover other passengers in your car who aren’t members of your household.

Illinois requires all drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage. [1] But you can carry higher limits for each if you want more thorough coverage.

Property damage liability coverage

Property damage liability coverage pays for damages to other people’s property when you’re at fault for an accident. Covered property can include other peoples’ vehicles, fences, signs, and more. However, it doesn’t cover your own vehicle or personal property.

Illinois drivers must have at least $20,000 per accident of property damage coverage. [1] However, as with bodily injury liability coverage, it may be wise to buy more. Given that the average new car price is more than double the minimum requirements in Illinois, you could easily find yourself on the hook for damages above and beyond your insurance limits. [2]

Uninsured motorist bodily injury coverage

Uninsured motorist coverage pays for your own injuries and those of your household members if you’re in an accident where the person at fault is an uninsured driver or if they drive away without taking responsibility for the accident. Illinois requires all drivers to carry at least $25,000 per person and $50,000 per accident of uninsured motorist coverage. [1]

Illinois also requires underinsured motorist bodily injury coverage for drivers who purchase higher limits of uninsured motorist bodily injury coverage. Underinsured motorist coverage pays the difference between your uninsured motorist coverage limits and the liability coverage limits of the at-fault driver. [1]

Illinois Automobile Insurance Plan

The Illinois Automobile Insurance Plan (ILAIP) provides insurance to drivers who otherwise couldn’t purchase it. Insurers deny some high-risk drivers because of violations on their driving histories, like driving without insurance, DUIs, and more. [3]

Do you need more than state-minimum coverage in Illinois?

Illinois’ minimum insurance requirements represent the absolute least amount of coverage you need to drive legally. But you may want to consider carrying more coverage, especially if you drive frequently, as damages in an accident can easily exceed the minimum liability requirements in Illinois.

If you want more protection, consider collision and comprehensive coverage. These two coverages, along with liability coverage, make up full-coverage car insurance. Full coverage pays for damages to your vehicle after collisions with vehicles and other objects, theft or vandalism, inclement weather, and other covered incidents.

If you drive an older vehicle that isn’t worth much or you could afford to replace it out of pocket if it’s totaled, you might only need liability coverage. But if you drive a more valuable vehicle or can’t afford to replace it, it’s probably worth paying more for full coverage. Additionally, most auto lenders require that you carry full coverage as long as you have a loan on your vehicle.

The cost of liability-only car insurance in Illinois

Liability-only car insurance is the cheapest type of policy on the market. It includes the state’s minimum insurance requirements but doesn’t provide additional protections for your own vehicle. In Illinois, the average cost of liability coverage is $79 per month. Below are some of the cheapest car insurance companies for liability-only car insurance in Illinois.