Illinois Car Insurance Requirements in 2025 (Learn What IL Drivers Require)
Illinois car insurance requirements include minimum coverage limits of $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage per accident. IL drivers can find rates as low as $24/month by meeting these requirements and comparing providers to ensure affordable and compliant coverage.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Jan 17, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 17, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Illinois car insurance requirements mandate minimum coverage of $25,000 bodily injury per person, $50,000 per accident, and $20,000 for property damage liability. Meeting these requirements ensures you comply with state law while protecting your finances in case of an accident.
Drivers in Illinois can find affordable options, with rates starting as low as $24/month. Top providers like USAA, State Farm, and Liberty Mutual offer competitive pricing and comprehensive coverage options tailored to meet your needs.
Illinois Car Minimum Insurance Coverage Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $20,000 per accident |
Whether you’re looking for basic liability insurance or additional protections like collision and comprehensive coverage, comparing quotes can help you secure the best deal.
Stay informed and confidently navigate your car insurance choices. To ensure you find the best insurance coverage for your needs, simply enter your ZIP code.
- Illinois car insurance requirements include 25/50/20 minimum liability coverage
- USAA offers the best rates at 24/month and coverage options for eligible IL drivers
- Penalties in Illinois for no insurance include fines and license suspension
Illinois Car Insurance Requirements & What They Cover
All personal vehicles in Illinois must meet specific liability coverage limits to ensure financial protection in accidents. Drivers are required to carry at least $25,000 in bodily injury coverage per person, $50,000 per accident, and $20,000 for property damage liability.
These limits cover medical expenses, compensation for injuries, and repairs to another person’s property. Meeting these requirements not only ensures legal compliance but also offers essential protection against costly accidents.
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Many drivers opt to increase these limits or add optional coverages like comprehensive and collision for greater peace of mind (Read more: Collision vs. Comprehensive Car Insurance).
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Cheapest Car Insurance in Illinois
For Illinois drivers seeking affordable coverage, USAA offers the cheapest car insurance at just $24/month for minimum liability coverage. Close behind is State Farm at $25/month, known for its customer service and discounts.
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3,607 reviewsLiberty Mutual takes the third spot, providing competitive rates starting at $29/month with flexible policy options. Comparing these top providers can help drivers find the best deal tailored to their needs.
Illinois Car Min. Coverage Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Aurora | $79 |
| Bloomington | $70 |
| Champaign | $67 |
| Chicago | $90 |
| Cicero | $88 |
| Decatur | $65 |
| Elgin | $78 |
| Evanston | $85 |
| Joliet | $76 |
| Naperville | $75 |
| Normal | $68 |
| Oak Park | $83 |
| Peoria | $71 |
| Rockford | $73 |
| Schaumburg | $80 |
| Skokie | $82 |
| Springfield | $66 |
| Waukegan | $74 |
Car insurance rates vary across Illinois cities, with Chicago being the highest at $90/month and Decatur the most affordable at $65/month. Cities like Bolingbrook, while not listed, typically fall within a similar range.
To find the best deal, it’s essential to compare Bolingbrook car insurance quotes and explore options from providers like USAA, State Farm, and Liberty Mutual. By shopping around, drivers can secure coverage that meets their budget and state requirements.
Read more: Best Illinois Car Insurance Discounts
Other Coverage Options to Consider in Illinois
Illinois requires uninsured and underinsured bodily injury coverage to protect drivers against accidents involving uninsured or underinsured motorists. This ensures financial support for medical expenses and related costs when the at-fault party lacks adequate coverage.
- Comprehensive Insurance: Comprehensive insurance covers damage from non-collision events like theft, natural disasters, or vandalism.
- Collision Insurance: Collision car insurance pays for repairs if your vehicle is damaged in an accident.
- Accidental Death Benefit: Provides a payout in case the insured dies in a car accident.
- Custom/Non-Factory Equipment Insurance: Covers damages to aftermarket additions like custom sound systems.
- Gap Insurance: Gap insurance is essential for leased or financed vehicles, it covers the difference between the car’s value and the loan amount if totaled.
- Medical Payments Insurance: Covers medical expenses for you and your passengers, regardless of fault.
- Physical Damage/Repair/Replace Coverage: Pays for repairing or replacing your vehicle after a covered incident.
- Rental Reimbursement: Covers costs of a rental car while your vehicle is being repaired.
- Towing Insurance: Pays for roadside assistance and towing services.
- Uninsured Motorist Property Damage: Provides up to $15,000 for vehicle repairs if hit by an uninsured driver.
Collision and comprehensive insurance are highly recommended, especially for drivers of high-risk or frequently stolen vehicles in Illinois. These coverages, along with options like gap insurance and medical payments insurance, provide essential financial protection and peace of mind.
Penalties for Driving Without Auto Insurance in Illinois
Driving without auto insurance in Illinois carries serious penalties designed to enforce compliance with state requirements. Offenders face a minimum fine of $500 for the first offense, increasing to $1,000 for subsequent violations.
Penalties for Driving Without Auto Insurance in Illinois
| Penalty | Details |
|---|---|
| Fines | $500 minimum for the first offense, up to $1,000 for subsequent offenses. |
| Vehicle Registration Suspension | Suspension of the vehicle's registration for at least 3 months. |
| Reinstatement Fees | $100 fee to reinstate the vehicle's registration after suspension. |
| License Suspension | Possible suspension of driver's license after repeated violations. |
| Court Appearance | Required for some offenses; failure to appear may lead to additional penalties. |
| Insurance Requirements | Must provide proof of valid auto insurance to the court for reinstatement of registration. |
| Community Service | May be required as an alternative to paying fines for certain offenses. |
| Increased Penalties for Repeated Violations | Penalties can increase for multiple offenses. |
Vehicle registration is suspended for at least three months, and reinstating it requires proof of insurance and a $100 fee. Repeat offenses can result in longer suspensions and additional fines. In some cases, a driver’s license may be suspended, and offenders may need to appear in court or complete community service instead of paying fines.
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Failure to comply with court mandates or provide proof of insurance can lead to further penalties. To avoid these consequences, ensure your vehicle is properly insured and always carry proof of coverage while driving.
Read more: Most Stolen Cars in Illinois
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Stay Compliant and Protected on the Road in Illinois
Maintaining proper car insurance in Illinois is not only a legal requirement but also essential for financial protection and peace of mind. By meeting the state’s minimum liability coverage limits and considering additional options like comprehensive and collision insurance, drivers can safeguard themselves against unexpected expenses.
Affordable options from providers like USAA, State Farm, and Liberty Mutual make compliance accessible to all. Avoid costly penalties, such as fines, registration suspensions, and court appearances, by ensuring your vehicle is always insured and carrying proof of coverage.
Taking the time to compare policies and choose the right coverage will keep you compliant and confident on Illinois roads. Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.
Frequently Asked Questions
What are the auto insurance requirements in Illinois?
Illinois requires a minimum of $25,000 bodily injury liability per person, $50,000 per accident, and $20,000 property damage liability (Read more: Types of Car Insurance Coverage).
What is the basic car insurance in Illinois?
Basic car insurance in Illinois includes the state minimum liability coverage of 25/50/20 for bodily injury and property damage. See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
Do I need insurance to register a car in Illinois?
Yes, proof of insurance is required to register a car in Illinois.
Do I need car insurance before I buy a car in Illinois?
Yes, you need insurance coverage before driving a newly purchased car in Illinois.
Read more: Compare Car Insurance Quotes
How much is car insurance in Illinois per month?
Car insurance in Illinois starts as low as $24/month for minimum coverage, depending on the provider.
What happens if you don’t have car insurance in Illinois?
Driving without insurance in Illinois can result in fines, registration suspension, and possible license suspension.
How much is Illinois car registration?
The cost for car registration in Illinois is $151 for a standard passenger vehicle.
Read more: Does your car insurance and registration have to be under the same name?
What is the most important type of car insurance you should buy in Illinois?
Liability insurance is essential to comply with state laws, but comprehensive and collision coverage provides additional financial protection.
Is the car insured or the driver in Illinois?
In Illinois, insurance generally follows the car, but the driver’s insurance may also apply in specific situations.
What do I need to register my car in Illinois?
To register a car in Illinois, you need proof of insurance, a completed registration form, the vehicle title, and payment for registration fees.
Read more: How to Find a Car Insurance Company Using the Policy Number
When did car insurance become mandatory in Illinois?
Car insurance became mandatory in Illinois in 1989.
How long do you have to get insurance on a car in Illinois?
Illinois requires proof of insurance immediately when driving a car, even after purchase.
Does Illinois require title insurance?
No, Illinois does not require title insurance for vehicle ownership.
What is full coverage insurance in Illinois?
Full coverage insurance includes liability, collision, and comprehensive coverage, offering broader protection than the minimum requirements.
Can I drive a car without insurance if I just bought it in Illinois?
No, you must have insurance before driving a newly purchased car in Illinois.
When did Illinois require auto insurance?
Illinois began enforcing mandatory auto insurance laws to ensure all drivers carry financial responsibility in 1989.
Do you need car insurance to get a driver’s license in Illinois?
No, car insurance is not required to obtain a driver’s license in Illinois, but it is necessary to operate a vehicle legally.
What is the most important type of car insurance you should buy in Illinois?
Liability insurance is the most important as it is mandatory, but additional coverages like comprehensive and collision are highly recommended.
Read more: What does car insurance cover?
How long do you have to get insurance on a vehicle in Illinois?
You need insurance coverage immediately upon purchasing or operating a vehicle in Illinois. Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.