Illinois requires drivers to carry at least 25/50/20 in liability coverage. Illinois does not require personal injury protection but does require uninsured motorist coverage.
| Coverage Type | Minimum Required |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $20,000 |
| PIP | Not required |
| Uninsured Motorist | Required |
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Auto Insurance Quotes in Illinois: Coverage Requirements
Illinois requires drivers to carry at least 25/50/20 in liability coverage — $25,000 in bodily injury coverage per person, $50,000 per accident, and $20,000 in property damage coverage — along with uninsured/underinsured motorist coverage. Illinois is an at-fault state, meaning the driver responsible for an accident is responsible for covering damages. Unlike some states, Illinois does not require personal injury protection (PIP). Drivers who don’t maintain proper coverage may face fines, license suspension, or be required to file an SR22 form to reinstate their driving privileges. Illinois’s mix of dense city traffic in Chicago, busy suburbs like Aurora and Naperville, and rural highways downstate means different risk factors depending on where you live, which is why comparing quotes from multiple providers is especially useful for finding the right balance of coverage and cost.
We Help All Illinois Drivers — Insured, Uninsured, or SR22
Whether you currently have coverage, have a lapse in insurance, or need an SR22 filing, we can help connect you with the right agent in Illinois. This can make a real difference when comparing coverage across different regions of the state.
- Insured drivers looking to compare rates and find better coverage
- Uninsured drivers starting fresh and needing a policy fast
- SR22 drivers who need a filing to reinstate or maintain their license
No matter your driving history, call now and speak with an agent who can walk you through your options in minutes. Our network connects you with agents familiar with Illinois’s specific coverage requirements, so you can get accurate quotes without the runaround.
Top Cities in Illinois
Looking for auto insurance quotes closer to home? Explore quote options in Illinois’s largest cities:
- Chicago
- Aurora
- Eugene
- Joliet
Whether you’re near Chicago, commuting through Aurora, or driving in Eugene, local coverage options and rates can vary — so it pays to compare. Our team is ready to help you find the right fit quickly.
Frequently Asked Questions
Have questions about auto insurance quotes in Illinois? Here’s what drivers ask us most.
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