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Illinois Auto Insurance Requirements

You must maintain a minimum bodily injury liability limit of $20,000 per person, $40,000 per accident, and $15,000 property damage limit by Idaho State Law. This basic coverage is often referred to as 20/40/15 coverage with 20/40 UM limits.

Illinois Insurance Coverage:
Minimum Limit - Bodily Injury $20,000/$40,000
Minimum Limit - Property Damage $15,000
Minimum Limit - Uninsured Motorist Bodily Injury $20,000/$40,000

Illinois currently has a tort insurance system in place meaning there is always a person found at fault when an accident occurs. The person found at fault and there insurance company is responsible to pay for any damage incurred from the accident. Each state maintains it's own Tort Systems.

Illinois law requires a minimum Uninsured/Underinsured Motorist coverage of $20,000 per person up to a total of $40,000 per accident for bodily injury caused by the uninsured/underinsured motorist.

When completing a quote with, you will find that our coverage page allows you the option to select coverages that match your personal needs, you can customize each and every deductible or limit. If you are uncertain of a particular limit to choose, you will always have the option to make a change to your coverages before you buy your policy.

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