Illinois

Auto Insurance Minimum Requirements

25/50/20

Liability Limits

No-Fault

N/A

PIP Minimum

UM Only

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$20,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2015-01-01

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.

Official Source

Illinois Secretary of State

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.