What is the minimum car insurance requirement in Illinois?

Illinois requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.

Is Illinois an at-fault or no-fault state?

Illinois is an at-fault at-fault state for car insurance claims.

Field report · IL

Car insurance in Illinois

Illinois is a at-fault state with a minimum liability requirement of25/50/20. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/20

Fault systemAt-fault

Uninsured motoristRequired

RegulatorIllinois Secretary of State, Vehicle Services Department (Illinois has no separate standalone 'DMV')

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.

UM/UIM bodily-injury coverage matching the liability limits (at least 25/50) is required by law and cannot be waived below that.

Estimated cost

Illustrative estimate: roughly $700-$710/year for minimum coverage.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI/DWI conviction, reckless driving, driving uninsured, an at-fault accident without insurance, or license suspension/revocation reinstatement.

Local conditions worth knowing

Chicago-area traffic density drives higher urban accident and theft frequency than the state average, pulling up statewide figures despite many cheaper rural counties.

Frequently asked

What is the minimum car insurance requirement in Illinois?: Illinois requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.
Is Illinois an at-fault or no-fault state?: Illinois is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in Illinois?: Typically required after a DUI/DWI conviction, reckless driving, driving uninsured, an at-fault accident without insurance, or license suspension/revocation reinstatement.
Is uninsured motorist coverage required in Illinois?: UM/UIM bodily-injury coverage matching the liability limits (at least 25/50) is required by law and cannot be waived below that.

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