Minimum Car Insurance in Illinois
The liability limits Illinois requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: No one may operate, register or keep registered a motor vehicle in Illinois unless it is covered by a liability insurance policy from an insurer authorized in Illinois, with limits of at least $25,000 for bodily injury or death of one person, $50,000 for two or more people in one crash… 625 ILCS 5/7-601, 5/7-203; 215 ILCS 5/143a
| Minimum coverage required | No one may operate, register or keep registered a motor vehicle in Illinois unless it is covered by a liability insurance policy from an insurer authorized in Illinois, with limits of at least $25,000 for bodily injury or death of one person, $50,000 for two or more people in one crash, and $20,000 for property damage (25/50/20). Policies must also include uninsured motorist coverage (at least the same bodily injury minimums). Exempt vehicles include self-insured vehicles, government vehicles and inoperable or stored vehicles. Limits: https://ilga.gov/documents/legislation/ilcs/documents/062500050K7-203.htm . An amendment to 7-601 (P.A. 104-854, effective Jan. 1, 2027) adds electric micromobility devices to the exemptions. |
|---|---|
| At-fault or no-fault | Illinois is an at-fault (tort) state: required auto liability insurance covers loss resulting from liability imposed by law for injury, death or property damage the insured causes. The Alabama Department of Insurance's national list places Illinois among the "Tort States." |
| Uninsured motorist coverage | Uninsured and hit-and-run motorist coverage is mandatory in every Illinois auto liability policy, at least at the state minimum bodily injury limits ($25,000/$50,000). Insurers must include UM coverage equal to the insured's bodily injury liability limits unless the named insured rejects the amount above the state minimum (or selects lower limits) in writing; insurers must give applicants a brief description of the coverage and of this right. The election binds all insureds and carries over to renewals unless the insured later requests more in writing. Underinsured motorist coverage rules are also set out in 215 ILCS 5/143a-2. UM requirement: https://ilga.gov/documents/legislation/ilcs/documents/021500050K143a.htm Source: 215 ILCS 5/143a, 143a-2 |
More Illinois car insurance & vehicle laws
- Driving Without Insurance in Illinois
- SR-22 Insurance in Illinois
- When a Car Is a Total Loss in Illinois
- Transferring a Car Title in Illinois
- All Illinois car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Illinois?
No one may operate, register or keep registered a motor vehicle in Illinois unless it is covered by a liability insurance policy from an insurer authorized in Illinois, with limits of at least $25,000 for bodily injury or death of one person, $50,000 for two or more people in one crash, and $20,000 for property damage (25/50/20). Policies must also include uninsured motorist coverage (at least the same bodily injury minimums). Exempt vehicles include self-insured vehicles, government vehicles and inoperable or stored vehicles.
Is Illinois a no-fault car insurance state?
Illinois is an at-fault (tort) state: required auto liability insurance covers loss resulting from liability imposed by law for injury, death or property damage the insured causes. The Alabama Department of Insurance's national list places Illinois among the "Tort States."
Is uninsured motorist coverage required in Illinois?
Uninsured and hit-and-run motorist coverage is mandatory in every Illinois auto liability policy, at least at the state minimum bodily injury limits ($25,000/$50,000). Insurers must include UM coverage equal to the insured's bodily injury liability limits unless the named insured rejects the amount above the state minimum (or selects lower limits) in writing; insurers must give applicants a brief description of the coverage and of this right. The election binds all insureds and carries over to renewals unless the insured later requests more in writing. Underinsured motorist coverage rules are also set out in 215 ILCS 5/143a-2.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.