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Our Auto Insurance provides Chicagoans high-quality car insurance at the lowest possible prices. Anywhere in Chicagoland, Illinois and Indiana, we can find you a monthly payment to fit your budget. Ask about our good driver discounts for better rates on auto insurance.

Illinois Car Insurance Laws

Car accidents can be extremely detrimental to the individuals involved, both physically and financially. They have the potential to cause thousands of dollars in damages and medical bills. Car insurance is a great benefit for those involved in a collision because the coverage provided greatly reduces how much you as an individual have to pay to cover the costs of the incident.

The Mandatory Vehicle Insurance Law

Anyone operating a motor vehicle in Illinois is required by law to have some sort of liability insurance in the case of an accident. A motorist who is involved in an accident without insurance is subject to huge monetary losses as well as the revocation of his or her driving privileges. 

There is a minimum amount of coverage required for all motorists to purchase from their insurance companies. These include the following coverage amounts:

  • $20,000 to cover the death or injury of another individual involved in the accident
  • $40,000 to cover the death or injury of more than one other individual involved in the accident
  • $15,000 to cover property damages of others involved in the accident
It may be difficult for some drivers to purchase insurance from private companies, especially if he or she has been driving uninsured for some time. The Illinois Automobile Insurance Plan has been put in place in order to ensure coverage for these drivers. This program has been put in place by the state specifically for people who cannot obtain car insurance for one reason or another.

Contact Us

For more information on Illinois car insurance laws, please contact the Chicago auto insurance specialists of Insure on the Spot at 888-972-7283.