Illinois Auto Insurance Guide

No matter where you live these days, you need an auto insurance policy that meets each state's specific laws. In Illinois, the state adheres to the common 20/40/15 standard for auto insurance requirements. If you plan on buying auto insurance in Illinois, then you need to read this informative guide!

Illinois Insurance Regulations

Illinois has an interesting method for enforcing their auto insurance laws. The government randomly generates surveys that get sent to consumers about their auto insurance policies. Residents of the state are required to return the surveys with their policy's information, which the state then verifies with auto insurance companies. If it is found that your information is false or that you do not meet the minimum auto insurance requirements, you could have your license suspended. Also, if you're caught driving without insurance, you could face fines of up to $1000.

Mandatory Minimum Coverage in Illinois

In order to remain in compliance with the state's auto insurance laws, you must maintain at least these coverage amounts:

• $20,000 for bodily injury to one person in an accident
• $40,000 for bodily injury for more than one person in an accident
• $15,000 property damage in an accident

Motorcycle Coverage Requirements

Illinois required auto insurance coverage for motorcycles and regular vehicles is the same. Unlike many states, you are not required to wear a helmet in Illinois and your insurance premiums are not affected either way.

• $20,000 for bodily injury to one person in an accident
• $40,000 for bodily injury for more than one person in an accident
• $15,000 property damage in an accident

Illinois Auto Insurance Advice

Compared to some of the other states, buying auto insurance in Illinois shouldn't be too expensive for most drivers. The state's average insurance costs generally rank close to the national average and the required auto insurance coverage isn't too high. Of course, that doesn't mean you shouldn't be looking for discounts on your policy. With so much competition within the insurance industry, there are always deals to be had. Many companies offer discounts to those with good driving records or those who maintain their policy for several years. Be sure to find out if you qualify for good driver or loyalty discounts from your provider.