Almost every state requires drivers to have liability auto insurance to drive on public roads. You may have to purchase more than the minimum liability depending on the state, but here are the requirements for Illinois state minimum auto insurance.
Minimum Requirements
Liability insurance pays damages to other drivers when you are at fault and legal defense. In Illinois, you must purchase a minimum of $25,000/$50,000/$20,000 which is bodily injury, per accident, and property damage. Property damage pays to repair damages you cause to the other driver’s vehicle or property.
Bodily injury pays medical bills, funeral expenses, and lost wages for the injured drivers up to the limits. Per person covers one person to the limits and pays the maximum amount per accident. For example, if the accident injured multiple people caused $40,000 in medical care, you have enough coverage.
Uninsured Motorist Bodily Injury
Though insurance is required in Illinois, the state has an uninsured motorist rate of 16.5%. Illinois residents are required to buy uninsured motorist coverage that matches liability limits. This helps pay for damages if you get into an accident with an uninsured driver or drivers without enough coverage.
You do not have to buy a separate policy for uninsured/underinsured motorists, but you may want to raise coverage limits. Suing an underinsured/uninsured at-fault driver can get tricky because they likely don’t have enough assets.
There are penalties for not having insurance and possible financial repercussions for not having the Illinois state minimum auto insurance. Accurate Auto Insurance offers a straightforward approach to instant, online car insurance quotes in Illinois. We stand apart from other auto insurance companies in Illinois because of our low-cost car insurance rates. For more details, visit their website or contact them today.
