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Quick Start: The Most Common Illinois Auto Insurance Questions
Illinois requires liability coverage to drive legally. The required minimums are commonly discussed as 25/50/20:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage per accident
Illinois policies must also include uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident. Underinsured motorist bodily injury coverage is required when you purchase UM limits above those minimums. See the Illinois Department of Insurance coverage guide.
Minimum limits can leave you responsible for costs above your coverage. Review higher limits and vehicle protection in our auto insurance guide.
