Driver's License Test Prep
Illinois Practice Insurance & Financial Responsibility

What is the minimum liability coverage Illinois requires for injury or death of one person in a crash?

  1. A.
    $25,000 Correct
  2. B.
    $10,000
  3. C.
    $20,000
  4. D.
    $50,000
The Why

The answer is "$25,000"

Illinois requires at least $25,000 in liability coverage for the injury or death of one person in a crash. The trap is $20,000; that is the property-damage minimum printed one line below in the same list, and learners swap the two numbers because they sit stacked in bullets.

Why the others miss

The traps in the wrong answers

B. $10,000

This answer falls short of the manual's stated minimum by fifteen thousand dollars. It reaches for a smaller round number a driver may have carried in from a jurisdiction with lower limits or an outdated figure.

C. $20,000

That figure is the property-damage minimum, not the bodily-injury minimum. This answer swaps two bullets printed one line apart in the same list, because the numbers are close and the labels blur on a quick read.

D. $50,000

That figure is the multi-person injury minimum, not the single-person minimum. This answer applies the higher multi-person cap to a single injured person, because it's the biggest injury number on the manual page and feels safer to pick.

The Rule

This question tests your knowledge of Insurance & Financial Responsibility in Illinois. Source: Illinois Rules of the Road, "Mandatory Insurance," p.98..

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