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Illinois Car Insurance Information

Requirement : Yes

Financial responsibility is required in Illinois . Drivers must have a minimum of liability and uninsured/underinsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability insurance policy is required:

  • Liability coverage covers the costs associated with the costs associated with injury or damage sustained to a 3 rd party.  
    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
    • $20,000 for property damage liability per accident.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • $25,000 per person.
    • $50,000 per accident.

Other Car Insurance Coverage Options:

Liability and coverage is the only requirement for Illinois motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Medical Payments – Helps cover your medical or funeral costs due to an accident.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Illinois requires all drivers to have minimum coverage.

Proof of Insurance: Yes

You must carry proof of financial responsibility with your vehicle at all times, you must also have proof of insurance in order to renew your registration. The insurance company (provider) will give you an insurance card as proof of insurance.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Getting Pulled Over:

Violations, Fines & Penalties:

  • If you’re pulled over by a police officer, you must show your proof of insurance, along with your driver’s license and car registration.

Violations, Fines & Penalties:

  • Suspension of your license plates.
  • $500 minimum fine.
  • $1,000 fine, if you’re driving a vehicle with suspended plates due to an insurance violation.


A SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.

Reasons you may be required to carry an SR-22:

  • Have a record of multiple traffic violations.
  • Have a record of multiple insurance violations.
  • Have had your driver’s license suspended or revoked
  • An SR-22 insurance must be held for a minimum of 3 years.

Credit Scores & Determining Your Insurance Premium :

All Illinois drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers can apply for coverage through the Illinois Automobile Insurance Plan (ILAIP).


Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Credit history
  • Driving history
  • Marital status
  • Make, model of car
  • Neighborhood or city of residence
  • Average mileage
  • Deductible

Discounts : Yes

Discounts available in Illinois:

  • Good driver discount
  • Good student discount
  • Multi-car discount
  • Anti-theft device discount
  • Homeowner discount
  • Defensive driver discount
  • Safety device discount

Cellphone Use:

All handheld devices are banned while driving, only hands-free technology is permitted. Additionally, ad drivers under the age of 19 are prohibited from using any handheld device while driving. Cellphone and texting violations are considered primary offenses. Violators will face a $75 fine.

Illinois Minimum Coverage Laws

Carriers in Illinois

Full Insurance Laws for Illinois