Reckless Driving

Illinois Car Insurance Laws

Illinois car insurance is mandatory for all vehicles. This article will give you a breakdown of Illinois car insurance laws, and more information about insurance rates, comparison and advice.

Illinois Mandatory Insurance Laws

All vehicles operated in Illinois must be covered by liability insurance, which covers injuries or damages to other persons or their property caused by a vehicle crash.

Vehicle owner(s) are required to provide insurance information at the time of registration renewal. Once the vehicle owner(s) signs the registration or renewal application, they affirm that the vehicle is properly insured. Some vehicle classes are required to carry higher liability coverage under other laws.

The following are minimum liability insurance limits in Illinois:

  • $25,000 for injury or death of one person in a crash.
  • $50,000 for injury or death of more than one person in a crash.
  • $20,000 for damage to property of another person.

Evidence of liability coverage must be carried by the motorist or in the vehicle and shown to law enforcement officers upon request. Insurance companies must issue Illinois insurance cards to policyholders or provide an insurance card that can be displayed on the driver’s cellphone or other electronic device.

Vehicle owner(s) should contact their insurance agent or company if they lose their insurance card or the company fails to send one. Vehicle owners(s) should carry some other form to prove insurance coverage such as an insurance binder, the current policy declarations page, a certificate of insurance or the last insurance payment receipt to prove coverage until they receive their new card.

Enforcement of the law is managed through random computer checks by the Secretary of State’s office and the issuance of traffic tickets. In addition, vehicle owner(s) must provide proof of insurance to the Secretary of State’s office or the remitter when renewing their license plates. This proof of insurance can be in a paper or electronic format.

Failure to carry the required insurance will result in fines, the inability to renew the vehicle registration, suspension of driving privileges and suspension of the vehicle registration until proof of insurance is obtained.

Providing false information to the Secretary of State’s office or a remitter for the purpose of renewing the vehicle registration may result in criminal charges and a fine.

Vehicle owner(s) who have trouble obtaining insurance should contact the Illinois Automobile Insurance Plan for assistance.

Illinois Car Insurance Rates

We are currently working on bringing this section online. Our system will allow you to compare insurance rates and quotes from multiple insurance companies working in state of Illinois.