Minimum car insurance in Illinois.
What Illinois requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Illinois, the minimum liability limits are written 25/50/20 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $20,000 for property damage.
How the system works
Illinois is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM bodily injury required at 25/50.
What the minimum means in practice
Say a crash you cause injures three people. The Illinois minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $20,000.
If you drive without insurance in Illinois
Illinois law sets a fine of more than $500 up to $1,000 for driving uninsured, a 3-month license suspension, and a $100 reinstatement fee. A first-time offender who shows proof of insurance at the court appearance may instead pay $100 and receive court supervision.
Also worth knowing in Illinois
Violating the law again during the 3-month suspension adds a further 6 months of suspension.
Your state regulator
Illinois Department of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Illinois a no-fault state?
Illinois is generally an at-fault state.