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Auto Insurance Requirements In The State of Illinois

Illinois Auto Insurance

According to Illinois state laws, liability insurance is required of all drivers. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times. Your insurance must be provided when renewing your vehicle registration, when involved in a traffic collision, or as requested by law enforcement.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Illinois law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in Illinois

Your Illinois  auto insurance policy must include at least the following minimum coverage limits:

  • $25,000 – injury or death of one person in an accident
  • $50,000 – injury or death of more than one person in an accident
  • $20,000 – damage to property of another person

Your signature on the Vehicle Renewal Registration Application affirms that your vehicle will be properly insured throughout the registration period.

Violations and Penalties

If you are caught and convicted in Illinois for driving without car insurance, you face the following penalties:

– minimum $500 fine for driving uninsured
–minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation

In the case of a first offense, your license plates will be suspended until a $100 reinstatement fee and current evidence of insurance are provided. Repeat offenders are required to serve a four-month suspension period, pay the $100 reinstatement fee and provide current evidence of insurance before being eligible for reinstatement.

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