Illinois Auto Insurance Quotes

If you've been looking for the best prices on Illinois auto insurance policies, you've found the right site. In addition to Illinois vehicle insurance quotes, you'll also find information on Illinois' liability coverage requirements and other types of coverage that are required or optional. Before purchasing your auto insurance policy, find out what coverage you are required to have so that you can be sure to stay in compliance with Illinois' insurance laws.

Illinois Liability Insurance Minimums

Like most states, Illinois requires that all motorists maintain liability coverage on each vehicle that is registered in the state.  The required coverage is for bodily injuries sustained in an accident as well as property damage sustained in an accident.  The minimum coverage amount for bodily injuries for one person for one accident is $20,000.  Liability coverage for all bodily injuries sustained in an accident must be a minimum of $40,000.  Property damage liability coverage must meet a $15,000 minimum.  In addition to liability insurance, Illinois residents must maintain uninsured motorist coverage on each vehicle registered in the state.  Should someone get in an accident with a driver who does not have the proper liability insurance, the uninsured motorist coverage will help to ensure that your expenses are covered.

Illinois Tort System of Responsibility

In some states, insurance carriers must pay for expenses regardless of who was at fault in an accident.  This is known as the no-fault system, and it is used in twelve states as well as Puerto Rico.  In Illinois, the tort system is used for determining who is responsible for paying accident expenses.  The driver who is at fault for the accident must pay the expenses of the other driver and the other driver's passengers.  The other driver is also allowed to sue the driver at fault in civil court in order to recoup money for lost work time or pain and suffering due to injuries sustained in the accident. 

Maintaining Compliance with Insurance Laws

Your compliance with Illinois' financial responsibility laws can be checked in two ways.  The Secretary of State's Office may do a random computer check and you may be required to provide proof of insurance.  If you are pulled over for a traffic violation, law enforcement officials will ask for proof of insurance along with your driver's license and vehicle registration.  If you are not properly insured, there are several consequences.  The minimum fine for driving without insurance in Illinois is $500.  Your vehicle registration will be suspended until a reinstatement fee has been paid and you can show proof of insurance on your vehicle.  If you repeatedly drive without insurance, your vehicle registration will be suspended for four months.  If you drive a vehicle with a suspended registration, the fine is $1,000.  The reinstatement fee is $100.  If you are convicted of three or more violations, you must file an SR-22 (financial responsibility insurance) for a period of three years.  If you do not do this, your driver's license will be suspended.