Minimum auto insurance in Illinois: what the law requires

What the law requires

Illinois requires liability insurance with at least these limits, written as 25/50/20:

• $25,000 for injury or death of one person in an accident you cause.
• $50,000 for injury or death of all people in one accident.
• $20,000 for damage to other people’s property, for example their car.

Illinois also requires uninsured motorist bodily injury coverage of at least 25/50. It pays for your injuries if the driver who hits you has no insurance.

What the minimum does not cover

• Damage to your own car. That is collision and comprehensive, and they are optional by law.
• Theft, hail, a fallen tree or hitting a deer. That is comprehensive.
• Costs above your limits. If an accident costs more than 25/50/20, the rest can be claimed from you personally.

What happens if you drive without insurance

Driving uninsured in Illinois can mean a fine of at least $500 and suspension of your vehicle registration. You also have to keep proof of insurance in the car. Most importantly, after an accident you would pay for the other person’s damages yourself.

Is the minimum enough?

The minimum keeps you legal and is the cheapest option. But a hospital stay or a newer car can easily cost more than $25,000 or $20,000. Think about higher limits if:

• You own a home, have savings or a good income.
• You drive a lot or commute every day.
• You often drive in the city, where cars and medical bills cost more.

Many drivers choose 50/100/50 or 100/300/100. The price difference is often smaller than expected, and it can be the difference between a covered accident and a personal debt.

Not sure which limits fit you? Send us your current policy, and we will show you what higher limits would cost, side by side.

This article is general information, not advice for your situation. Coverage, prices and discounts depend on the policy, the insurance company and your details.

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