Car insurance · Illinois
Car insurance requirements in Illinois
Liability 25/50/20 plus uninsured motorist. Claims system: fault-based claims.
Verified summaryAll Illinois insurance topics
Requirements
Minimum car insurance requirements in Illinois
| Coverage | Requirement in Illinois |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Uninsured motorist bodily injury: $25,000 / $50,000 required |
What the law requires you to carry
- Bodily injury liability: at least $25,000 per person and $50,000 per accident
- Property damage liability: at least $20,000 per accident
- Uninsured motorist bodily injury: at least $25,000 per person and $50,000 per accident
Uninsured drivers
Uninsured motorist coverage in Illinois
Uninsured motorist bodily injury: $25,000 / $50,000 required.
- Illinois law requires underinsured motorist coverage if you buy higher limits of uninsured motorist bodily injury coverage.
- Illinois law requires insurers to offer uninsured motorist property damage coverage with a maximum $250 deductible. It is optional.
Optional coverage
Coverage you can add in Illinois
- Collision
- Comprehensive
- Underinsured motorist bodily injury
- Uninsured motorist property damage
- Medical payments
- Rental reimbursement
- Towing
- Gap coverage for leased or financed vehicles
Penalties
Penalties for driving without insurance in Illinois
Illinois law requires all vehicle owners to carry minimum auto liability insurance (625 ILCS 5/7-601). Penalties are set by Illinois law, so confirm current penalties with the Illinois Secretary of State.
Good to know
Other things to know in Illinois
- Illinois law does not require collision or comprehensive coverage, but a lender may require it for a financed vehicle.
- If you cannot find auto insurance, ask your agent about the Illinois Auto Insurance Plan. The Department lists four requirements, including being turned down by other insurers and having a safe-to-drive vehicle.
- The Department advises asking for a non-bound application before you switch companies, so you have an answer on acceptance and price before you cancel your current policy.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Illinois
- Illinois Department of Insurance
- Website: idoi.illinois.gov
- Contact page
- Phone: (217) 782-4515 (Springfield office. Chicago office: (312) 814-2420)
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
- Illinois Department of Insurance: Auto Insurance Shopping Guideidoi.illinois.gov
- IDOI: Consumer insuranceidoi.illinois.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Illinois.
Home insurance resources and the health marketplace for Illinois are on its overview page.