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Illinois

Illinois car insurance rates, laws and regulator news.

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Illinois

Illinois requires 25/50/20 liability plus 25/50 uninsured motorist coverage, uses a 51% fault bar and suspends uninsured drivers' licenses for 3 months.

Minimum liability25/50/20
Fault systemAt-fault — the driver who causes a crash is responsible for the damage through their liability insurance
PIP requiredNo — Illinois has no PIP requirement; medical payments coverage is optional
Uninsured motorist requiredYes — uninsured motorist bodily injury coverage of at least 25/50, set at your liability limits unless you choose lower in writing; underinsured coverage is added when UM exceeds 25/50 (215 ILCS 5/143a, 143a-2)

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