Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Illinois

Insurance Requirements for Car Registration in Illinois

In order to drive a vehicle legally in the state of Illinois, you must carry several types of liability insurance.

The minimum liability insurance required for vehicle owners in Illinois is as follows:

  • $20,000 for Property Damage Liability, which covers the damage caused to another’s property by your vehicle (such as buildings or road signs).

  • $25,000 for Bodily Injury insurance per person; this means that the total minimum a driver must carry for Bodily Injury insurance is $50,000, to cover the lowest possible number of people involved in an accident (the two drivers).

  • $25,000 for Uninsured Motorist or Under-Insured Motorist insurance per person, which covers the costs of an accident involving a driver who did not carry the proper amount of legally required insurance. This means that your minimum Uninsured Motorist insurance must be $50,000 in order to cover the lowest possible number of people involved in an accident (the two drivers).

This means that every driver must carry a total of $120,000 in liability insurance for each vehicle they own in Illinois.

Other types of insurance

While the three types of liability insurance are the only required types, Illinois does recognize other types of insurance for additional coverage. These include:

  • Medical Payments coverage, which covers the costs of medical or funeral expenses that were the result of an auto accident.

  • Comprehensive insurance, which pays for damage to your vehicle that was not the result of an accident (such as weather-related damage).

  • Collision Insurance, which covers the cost of damages to your vehicle that is the direct result of an automotive accident.

Insurance questionnaire

In order to verify that all vehicle owners in Illinois are maintaining their required liability insurance, the state sends out random, computerized questionnaires to vehicle owners. When you receive a questionnaire, you must respond with these things:

  • The name of your insurance provider

  • Your insurance policy number

If you do not reply, or your information cannot be verified with the insurance policy provider, your vehicle’s registration will be suspended.

Violation penalties

Driving without the proper insurance in Illinois, or failing to produce proof of insurance in the form of a valid insurance card when asked by a law enforcement officer, can result in fines and jail sentences, including:

  • A suspension of your vehicle’s registration

  • A minimum fine of $500

  • A minimum fine of $1,000 for driving a vehicle that had its registration suspended due to an insurance violation

In order to have your vehicle’s registration reinstated in Illinois, you will need to provide a valid and current insurance policy, and pay a $100 reinstatement fee. If this is not your first insurance violation, you could also face a minimum suspension of vehicle registration lasting four months.

If you are convicted of a reckless driving charge, such as a DUI, you may also be required to carry an SR-22 Proof of Financial Responsibility document, which verifies that you have the required liability insurance from an authorized insurer.

For more information, contact the Driver Services Department of the Illinois Secretary of State office on their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How to Avoid Back Pain in a Car
If you have back problems, sitting in a car for an extended period of time can be excruciating. Even without back problems, you could experience discomfort and soreness from...
P2159 OBD-II Trouble Code: Vehicle Speed Sensor B Range/Performance
Diagnostic Trouble Code (DTC): P2159 P2159 code definition Vehicle Speed Sensor B Range/Performance...
What are the Car Pool Rules in Hawaii?
Hawaii is widely regarded as a land of vacation and relaxation, and as such, its scenic roads and routes are far better known than the state’s freeways. But, as with all...


Related questions

Q: What is "diminished value" as it refers to a totaled car?

Hi, thanks for writing in. The insurance company can use "diminished value" for a number of reasons. The overall condition of the vehicle not including the wreck, above average mileage, etc. I would ask them what criteria they are using...

Q: Advice on buying a car with hail damage

Realize that hail damage is just pieces of ice falling down on the car and denting the heck out of everything. It may look horrible but the actual hail itself doesn't damage the car. So as long as it runs...

Q: A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...