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Illinois Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Illinois. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Illinois.

IL Auto Insurance Laws and Regulations:

Illinois Div. of Insurance
320 West Washington Street
Springfield, IL 62767

Minimum Car Insurance Coverage in IL:

$20,000 for injury/death to one person

$40,000 for injury to more than one person

$15,000 for damage to property

IL Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


IL Uninsured Penalties:

If your car is selected by the computer at random, you will be sent a questionnaire that requests the name of your auto insurer and your policy number. The information you provide will be authenticated with the insurer you list. If you don't return the survey or are uninsured, your license plate will get suspended.

You can receive a traffic ticket if you are pulled over or involved in a collision and are found to be uninsured. The consequences will include suspended license plates and a $500 minimum fine for driving without insurance. If you drive your vehicle while the license plates are suspended, you will face a minimum fine of $1,000.


IL Department of Insurance Contact Information:

1-217-782-4515

IL State Insurance Department Website:





Directory of Illinois Auto Insurance Agents by County

Adams
Alexander
Bond
Boone
Brown
Bureau
Calhoun
Carroll
Cass
Champaign
Christian
Clark
Clay
Clinton
Coles
Cook
Crawford
Cumberland
Dekalb
Dewitt
Douglas
Dupage
Edgar
Edwards
Effingham
Fayette
Ford
Franklin
Fulton
Greene
Grundy
Hamilton
Hancock
Hardin
Henderson
Henry
Iroquois
Jackson
Jasper
Jefferson
Jersey
Jo Daviess
Johnson
Kane
Kankakee
Kendall
Knox
Lake
La Salle
Lawrence
Lee
Livingston
Logan
Macon
Macoupin
Madison
Marion
Marshall
Mason
Massac
Mcdonough
Mchenry
Mclean
Menard
Mercer
Monroe
Montgomery
Morgan
Moultrie
Ogle
Peoria
Perry
Piatt
Pike
Pope
Pulaski
Putnam
Randolph
Richland
Rock Island
Saint Clair
Saline
Sangamon
Schuyler
Scott
Shelby
Stark
Stephenson
Tazewell
Union
Vermilion
Wabash
Warren
Washington
Wayne
White
Whiteside
Will
Williamson
Winnebago
Woodford

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