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Car insurance is mandatory for all vehicles registered in the state of Illinois.
Any driver convicted of driving with no car insurance can face heavy fines, drivers license suspension, vehicle registration suspension, personal liability and more.
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Illinois Car Insurance Requirements
Car insurance laws in Illinois are set by the Illinois Department of Insurance and currently state that all drivers must have liability coverage in place before registering or operating a vehicle.
The minimum levels of liability insurance required in Illinois are:
- $20,000 – liability insurance per person in a car accident
- $40,000 – total liability insurance for all persons in a car accident
- $15,000 – property damage coverage
The State of Illinois also requires all drivers to keep proof of a valid auto insurance policy in the vehicle to show law enforcement upon request.
Unlike other states, Illinois also has an automated enforcement system which randomly selects drivers asking them to send in proof of insurance to the state.
Failure to respond can result in suspension of your motor vehicle registration tags.
If convicted, the minimum fine is $500.
If you are convicted of driving with no auto insurance in the state of Illinois, but this fine is minimal to the amount of personal liability you expose yourself to when operating a vehicle with no auto insurance.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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Illinois Auto Insurance Companies
Car insurance companies are easy to find in Illinois with almost 200 licensed car insurers. In fact, Illinois is the State with the highest number of licensed auto insurance companies followed by Indiana and Georgia.
Keep in mind that Illinois operates under tort law where you can be sued for even minor accidents.
There is no form of protection from minor car accidents as in states with no-fault auto insurance laws.
While Illinois minimum auto insurance requirements seem reasonable enough, they are actually far less than any responsible driver should have.
While liability insurance does offer some form of protection for any car accident where injuries occur can easily surpass your limits of coverage and expose you to personal liability for damages above your policy limits.
Most Illinois drivers opt for comprehensive, collision and uninsured/underinsured motorist coverage on top of state minimum liability requirements as well as expanded levels of coverage exceeding $100,000.
Illinois Car Insurance Rates
With comparison to other states, Illinois is a top 10 state for auto insurance premiums where drivers usually pay around 20 percent higher than the national average.
For a 40-year-old male using common variables, the average Illinois car insurance premium is $1,680 compared to a national average of $1,430.
Before starting an auto insurance comparison search, you may want to brush up on your car insurance knowledge as even saving $20 or $$50 a month can quickly add up.
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