{"id":1952,"date":"2023-06-13T21:58:00","date_gmt":"2023-06-13T21:58:00","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=1952"},"modified":"2026-03-09T16:52:33","modified_gmt":"2026-03-09T16:52:33","slug":"illinois-car-insurance-requirements-and-coverage","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/illinois-car-insurance-requirements-and-coverage\/","title":{"rendered":"Illinois Car Insurance Requirements and Coverage"},"content":{"rendered":"
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Whether you are new to the Prairie State or are a resident who is seeking <\/span>Illinois car insurance<\/span><\/a> for the first time, there are a number of <\/span>minimum car insurance requirements<\/span><\/a> you should be aware of before obtaining a policy.<\/span><\/p>\n

Basic Illinois Car Insurance Requirements<\/b><\/h2>\n

States across the country are divided into categories of \u201cfault states\u201d and \u201cno-fault states\u201d when it comes to insurance. Illinois is considered a \u201cfault state,\u201d which means drivers are held financially responsible for car accidents they cause. Illinois drivers are required to have both liability insurance and uninsured motorist coverage.<\/span><\/p>\n

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  1. Liability insurance is the coverage that will help pay for injuries or property damage to others that result from an accident you caused. The two types of liability coverage are bodily injury and property damage.<\/span><\/li>\n
  2. Uninsured and underinsured motorist coverage is coverage that will help pay for injuries to you and your passengers if you are involved in an accident with an uninsured driver or one who does not have enough insurance to cover your medical bills and property damage.<\/span><\/li>\n<\/ol>\n

    It is important to note that liability insurance will not cover your costs for personal injuries or property damage and uninsured or underinsured motorist coverage will not cover property damage.<\/span><\/p>\n

    Additional, optional coverage options in the state of Illinois include collision coverage, comprehensive, medical payments and uninsured motorist property damage coverage, among others.<\/span><\/p>\n

    Mandatory Illinois Vehicle Insurance Coverage<\/b><\/h2>\n

    In Illinois, it is a legal requirement to carry specific types of car insurance coverage. Understanding these mandatory coverage options is essential to comply with the law and protect yourself from potential financial liabilities.<\/span><\/p>\n

    Liability Insurance<\/b><\/h3>\n

    Liability insurance is a fundamental component of car insurance coverage and is required by law in Illinois. It provides financial protection to drivers in the event they cause bodily injury or property damage to others in an accident. You will often see these limits listed as 25\/50\/20. These limits are the most your insurance company will pay if you cause an at-fault accident.<\/span><\/p>\n

    Illinois minimum liability coverage requirements include:<\/span><\/p>\n

    Bodily Injury Liability<\/b><\/h3>\n

    Bodily injury liability coverage helps pay for medical expenses, lost wages, and legal costs associated with injuries suffered by other parties involved in an accident where you are at fault.<\/span><\/p>\n