Illinois Minimum Car Insurance Requirements, Penalties and Other Auto Insurance Laws

Illinois’ minimum car insurance requirements include having 25/50/20 in liability limits and uninsured and underinsured motorists coverage. This means that policies should have at least $25,000 in bodily injury coverage per person with a limit of $50,000 per accident, $20,000 in property damage coverage and $25,000 in uninsured/underinsured motorist bodily injury limits per person with a limit of $50,000 per accident. The minimum coverage only protects third parties injured in an accident and drivers involved in an accident with an uninsured driver. Still, you can purchase additional coverage for extra protection. Driving without car insurance in Illinois is illegal and drivers can get fined and penalized.