Illinois Insurance Requirements
Minimum liability coverage required to drive legally, plus uninsured-motorist and SR-22 rules.
- Insurance required?
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yes
Source: Illinois Rules of the Road 2025, Chapter 13: Mandatory Insurance, p. 99
- Min bodily injury — per person
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$25,000
Source: Illinois Rules of the Road 2025, Chapter 13: Mandatory Insurance, p. 99
- Min bodily injury — per accident
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$50,000
Source: Illinois Rules of the Road 2025, Chapter 13: Mandatory Insurance, p. 99
- Min property damage
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$20,000
Source: Illinois Rules of the Road 2025, Chapter 13: Mandatory Insurance, p. 99
- SR-22 trigger
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An SR-22 certificate of insurance (filed with the Secretary of State by the insurer) is required when the driver: (1) receives a court judgment for damages from a crash that cannot be satisfied; (2) has a license suspended under the Safety Responsibility Law because of an uninsured at-fault crash; (3) receives court supervision for a mandatory-insurance violation; or (4) is convicted of three or more mandatory-insurance violations. A DUI conviction separately requires SR-22 filing for three years before driving privileges can be restored. The Secretary of State monitors insurance coverage for the period specified by law; lapse or cancellation during the monitoring period results in another suspension.
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