Auto Insurance Minimum Requirements
Illinois requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage — commonly written as 25/50/20. Illinois is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
UM is strictly mandatory at a minimum 25/50 level for bodily injuries. UIM is required only if higher thresholds are bought.
SR-22 Filings
Required for 3 continuous years for dynamic enforcement infractions, continuous insurance lapses, or DUI offenses.
Alternatives to Insurance
A cash deposit or financial security bond of $70,000 sent to the Illinois Secretary of State.
Fine
$500–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Illinois?
Illinois requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. This is written as 25/50/20 coverage.
Is Illinois a no-fault state?
No, Illinois is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Illinois?
Yes. Illinois requires uninsured motorist (UM) coverage. UM is strictly mandatory at a minimum 25/50 level for bodily injuries. UIM is required only if higher thresholds are bought.
What happens if I drive without insurance in Illinois?
Driving without insurance in Illinois can result in fines of $500–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Illinois?
SR-22 filings are used in Illinois for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 continuous years for dynamic enforcement infractions, continuous insurance lapses, or DUI offenses.
What does 25/50/20 mean in Illinois?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Illinois Secretary of State
More Illinois Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Illinois Secretary of State publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.