Illinois Insurance Requirements

yes

Source: Illinois Rules of the Road 2026, Chapter 13: Mandatory Insurance, p. 98 · Verified Sep 2026

$25,000

Source: Illinois Rules of the Road 2026, Chapter 13: Mandatory Insurance, p. 98 · Verified Sep 2026

$50,000

Source: Illinois Rules of the Road 2026, Chapter 13: Mandatory Insurance, p. 98 · Verified Sep 2026

$20,000

Source: Illinois Rules of the Road 2026, Chapter 13: Mandatory Insurance, p. 98 · Verified Sep 2026

Illinois is a tort (at-fault) state, not a no-fault state, so personal injury protection (PIP) coverage is not part of the mandatory insurance package. Instead, every vehicle registered in Illinois must carry liability limits of $25,000 per person and $50,000 per crash for bodily injury and $20,000 for property damage, and drivers must be able to show proof of that coverage on request.

Source: Illinois Rules of the Road 2026, Chapter 13: Owning a Vehicle, Mandatory Insurance, p. 98 · Verified Sep 2026

Uninsured-motorist coverage is mandatory in Illinois. Every liability policy issued or renewed in the state must carry it, at the same bodily-injury limits the state requires for liability: $25,000 for injury or death of one person and $50,000 for injury or death of two or more in one crash. The requirement covers hit-and-run drivers as well as uninsured ones. It applies to bodily injury and death only, so it is not a substitute for property-damage cover.

Source: 215 ILCS 5/143a(1): no policy "shall be renewed, delivered, or issued for delivery in this State unless coverage is provided therein or supplemental thereto, in limits for bodily injury or death set forth in Section 7-203 of the Illinois Vehicle Code" for damages recoverable from "owners or operators of uninsured motor vehicles and hit-and-run motor vehicles". 625 ILCS 5/7-203 sets those limits at $25,000 per person and $50,000 per crash. Illinois Rules of the Road 2026, Chapter 13: Mandatory Insurance, p. 98, lists the liability minimums and does not mention uninsured-motorist coverage. · Verified Sep 2026

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.

Source: Illinois Rules of the Road 2026, Chapter 7: Financial Responsibility Law, p. 56; Chapter 6: DUI Conviction, p. 50 · Verified Sep 2026