Optional coverages in Illinois
In addition to liability and uninsured motorist coverage, you can add the following types of insurance
to your policy: Collision insurance
: Covers the cost of damage to your vehicle due to a collision with another vehicle or stationary object.Comprehensive insurance
: Helps cover the cost of non-collision-related damage to your vehicle resulting from things like theft, vandalism, floods, hail, and more. Comprehensive coverage will cover most things collision insurance doesn’t.Gap insurance
: If you lease or finance a new vehicle and it’s totaled in a crash, gap insurance covers the difference between how much your car is worth at the time of the incident (the actual cash value) and how much you still owe on your car loan. Roadside assistance: Also called towing and labor coverage
, roadside assistance helps cover the costs of standard roadside assistance services, like towing, battery changes, or gas delivery.
Note that some types of optional coverage, like collision and comprehensive insurance, require a deductible.
Penalties for driving without insurance in Illinois
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| $500 to $1,000; additional $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation | $1,000; additional $1,000 for driving with suspended plates due to an insurance violation; additional $2,500 fine if you've been convicted twice and involved in an accident |
| Vehicle registration suspended until proof of insurance is provided | Vehicle registration suspended for up to 4 months |
| $100 license reinstatement fee | $100 license reinstatement fee; required to provide proof of financial responsibility (SR-22 certificate ) for three years |
If you’ve been driving without insurance, you may find it difficult to find a provider that will be willing to cover you. If you can’t find car insurance coverage, contact an insurance agent and ask about the Illinois Automobile Insurance Plan (ILAIP), a program that helps high-risk drivers get insurance.
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FAQs
What car insurance is required in Illinois?
To legally drive in Illinois, you must carry $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability per accident, as well as $25,000/$50,000 in uninsured motorist bodily injury (UMBI) coverage.
What are the insurance requirements for a financed car in Illinois?
In addition to the state’s liability limits, most lenders will require you to carry comprehensive and collision insurance.
Is it illegal to not have car insurance in Illinois?
Yes, it’s illegal to drive without at least the state minimum liability insurance in Illinois.
Do you need a driver’s license to get car insurance in Illinois?
Yes—like most states, you can get car insurance in Illinois without a driver’s license, but you may need to go through a more specialized insurance provider to do so, and your car insurance policy will usually limit coverage to a licensed primary driver.