Illinois Car Insurance Quotes

All motor vehicles operated in Illinois must be covered by liability insurance. Vehicle liability insurance pays for injuries or damages you may cause with your vehicle to other persons or their property. Vehicle owners are required to provide insurance information at the time of registration renewal. Once the vehicle owner signs the registration or renewal application, he or she affirms the vehicle is properly insured. Some vehicle classes are required to carry higher liability coverage under other laws.

Minimum liability insurance limits are:

• $20,000 for bodily injury or death to one person.
• $40,000 total per accident for bodily injury or death.
• $15,000 for damage to property.

Evidence of liability coverage must be carried by the motorist or in the vehicle and shown to law enforcement officers upon request.

Enforcement of the law involves two methods of detection: random computer checks by the Secretary of State's Office and traffic tickets.

Fines and Penalties

• Minimum $500 fine for driving uninsured.
• Suspension of your vehicle registration until the reinstatement fee is submitted for a first offense. Repeat offenders face a four-month suspension. Your vehicle may not be driven by anyone while its license plates are suspended. The minimum fine for driving a suspended vehicle is $1,000.
• $100 reinstatement fee and proof of insurance.

Individuals receiving court supervision for a mandatory insurance citation, or who have been convicted of three or more violations, are required to file financial responsibility insurance (SR-22) for three years. Failure to do so will result in a driver's license suspension. In addition, individuals convicted of mandatory insurance violations will lose their driving privileges for a minimum of three months and are required to pay a $100 reinstatement fee, with no driving permit available.