Illinois

Illinois requires minimum liability of 25/50/20 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in Illinois pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Illinois pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $20,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Illinois REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM bodily injury coverage at 25/50 is mandatory; UIM coverage is required when liability limits exceed minimum. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Self-insurance certificates available for owners of 26+ vehicles through the Secretary of State. SR-22 required for three years after DUI, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in Illinois, consult the official source at https://idoi.illinois.gov/. State minimums change periodically; verify current law before relying on these figures.