Illinois Liability State Minimum

If you own a vehicle in Illinois, you are required to have specific minimum coverage on your auto insurance policy. Whether you’re cruising through downtown Chicago or commuting through the suburbs, knowing what the Illinois auto insurance requirements are can help you stay compliant with the law. Understanding liability car insurance in Illinois and what it may cover can help you navigate certain situations while on the road.   

What is liability coverage? 

Liability car insurance is a type of auto insurance coverage that is typically required in most states. It can help covers injuries and property damage you cause to others in an accident. This type of coverage may help you avoid financial losses from a third-party’s medical bills, car repairs, or legal-related costs.  

Under Illinois auto insurance laws, all drivers are required to carry the state minimum liability coverage. If you're caught driving without it, the consequences may be serious like significant fines or license suspension.   

State minimum insurance in Illinois 

So, what exactly is the Illinois state minimum auto insurance required? The law mandates that every driver needs to carry the minimum for liability coverage. As of April 2025, the limits are as follows: 

• $25,000 for the injury of one person per accident 
• $50,000 for the injury of more than one person per accident 
• $20,000 for damage to someone else's property 

Illinois also mandates that all drivers have uninsured motorist coverage alongside liability coverage. Uninsured motorist coverage can help pay for damages to your vehicle after an accident with an at-fault driver with no insurance. As of April 2025, here’s what the state requires:  

• $25,000 for bodily injury per person 
• $50,000 for bodily injury per accident 

What does liability car insurance in Illinois not cover? 

Though having liability insurance may help you avoid certain financial losses, it may be crucial to understand what liability coverage won’t cover. While having this insurance meets the state’s legal requirement, it won’t cover damages to your own vehicle or personal injuries after an accident. If your car also gets damaged by non-collision incidents like vandalism or theft, liability insurance alone won’t help. 

That’s where comprehensive and collision coverage come in. Comprehensive coverage can help pay for damages to your vehicle from non-collision accidents like severe weather or broken windows from a break-in. Collision coverage can help pay for damages to your vehicle after an accident with another driver, regardless of fault. While additional coverages may bump up your premium, it can help you avoid financial losses in the long run.  

Consider your auto insurance needs in Chicago 

Living in a major metro area like Chicago may add another layer to the insurance conversation. Traffic congestion and crime rates may influence the type of coverage you want. Additionally, if you have a newer or high-value vehicle, minimum coverage may not be enough for you. 

At Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle), we work with a range of carriers to help you find auto insurance that aligns with your needs and budget. Whether you need an Illinois SR-22 filing, non-owner insurance, or you're just shopping around for affordable rates, our agents are here to help you navigate your insurance journey.  

Discounts and savings on auto insurance 

Looking for cheap liability car insurance in Illinois doesn’t mean you have to sacrifice quality. Many of our carriers have discounts that you may be eligible for. These include: 

• Paid-in-full discount: If you pay your premium fully, you may be able to get a discount.  
• Good driver or safe driving discount: Maintaining a clean driving record may lower your insurance rates. 
• Prior coverage discount: If you had auto insurance prior to switching over, you may qualify for a discount. 
• Multi-car discount: Bundling multiple cars on one policy may reduce your premium.  

How Illinois Vehicle can help 

Though every Illinois driver must carry the state’s minimum liability car insurance, you may want to increase your liability limits or purchase additional coverages. By considering things like where you live and what car you drive, you can better tailor your insurance policy to suit your needs.  

Ready to learn more about your options? Call Illinois Vehicle at 630-581-4805 or visit one of our convenient locations across Chicagoland. You can also get a free auto insurance quote via our website. By contacting us today, our experienced agents can help you customize a policy that aligns with you.  

Disclaimer:  

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.