Illinois (IL)

Approved Carriers

Notes about state

• Chubb

• Cincinnati

• Openly

• PURE

• Safeco

• Travelers

Illinois Car Insurance Requirements

While some types of coverage are required, you have the option to reject others. These are the minimum coverage requirements for car insurance in Illinois.

• Bodily injury liability coverage: $25,000 per person and $50,000 per accident

• Property damage liability coverage: $20,000

• Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident

• Uninsured motorist property damage coverage*: $15,000 with a $250 deductible

* Note that this coverage can be rejected.

Important Facts About Illinois Auto Insurance Compliance

Here are some critical facts every Illinois driver should be aware of regarding car insurance regulations and the consequences of non-compliance to avoid legal issues and financial penalties:

Insurance Card Requirement: Illinois' mandatory insurance law requires drivers to always carry their insurance card and present it to law enforcement upon request.

Random Verification: The state of Illinois will randomly select drivers to ensure they have proper car insurance. If selected, you'll receive a letter asking to verify your coverage. The law requires you to fill out the form and return it within 30 days.

Registration Agreement: When you sign your vehicle registration renewal form, you're also promising that the vehicle will be insured during the entire registration period.

Penalties for Non-Compliance: Punishment for not carrying auto insurance in Illinois can be severe. You could have your license plates suspended or receive a minimum fine of $500. Driving with a suspended registration could result in a $1,000 fine.