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Insurance Center
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Illinois state law requires that if your vehicle has license plates and is being driven on Illinois roads, it has to be insured. This includes cars, vans, motorcycles, RVs, trucks, and buses―but not trailers.
Minimum Liability
Illinois requires the following minimum amounts of liability insurance:
- Injury or death of one person in an accident: $20,000
- Injury or death of more than one person in an accident: $40,000
- Damage to someone else's property: $15,000
But the minimum coverage may not cover the costs of a significant accident, especially if you are at fault. Note that the minimum coverage does not cover your own injuries or property damage at all. Discuss this with your insurance agent to ensure that you are properly covered for your own protection, not just in the eyes of the law.
The Insurance Card
When you insure your vehicle, you will receive from your insurance company a card showing that you have car insurance. This card should be kept in your car and must be shown on request to any law enforcement officer.
Random Insurance Screening
While insurance is mandatory in Illinois, it is not usually necessary to provide proof of insurance where you register your vehicle. You attest by your signature that you will be insuring your vehicle.
But be careful: Illinois has a computerized random questionnaire that may choose you for special verification. Failure to provide this information will result in the suspension of your license plates. You can take a look at a sample of the verification form in the state's brief Mandatory Vehicle Insurance brochure.
Citations for Driving While Uninsured
It is against the law to drive without insurance in Illinois. If you are stopped for another reason, and you don't have a valid insurance card to show the police officer, you may receive a citation.
If you are insured and can later provide a copy of your card to the court, that is usually the end of it. But if you were not insured at the time you were stopped, you can be convicted of driving uninsured. This carries a minimum fine of $500 and also requires a mandatory $100 fee to reinstate your registration.
Find out more general information about auto insurance, including how to find an insurance company.
