Liability Car Insurance in Illinois

If you drive a car in Illinois, you need liability insurance. But that doesn’t mean you need to pay an arm and a leg just to legally drive your vehicle.

At Insurance Navy, we offer the lowest rates on liability car insurance in Illinois. Allow our friendly agents to match you with the right auto insurance policy for your needs while ensuring your compliance with Illinois mandates. We can complete the entire process online or meet with you in person at one of our 25+ Illinois locations.

Request a free online quote for liability car insurance today.

Mandatory Liability Insurance Coverage in Illinois

Illinois, like every state aside from New Hampshire, requires all drivers to carry at least the minimum coverage for liability insurance.

This pays for the damages other drivers experience when you are at-fault for an accident and ensures drivers can pay for at least some of the expenses they cause in an accident.

If you have a motor vehicle registered and operated in Illinois, you must maintain these minimum amounts of liability coverage:

Bodily injury coverage requirements: $25,000 bodily injury coverage per person and $50,000 bodily injury coverage per accident
Property damage coverage requirements: $20,000 property damage coverage per accident

Illinois also requires all drivers to carry uninsured motorist coverage of at least $25,000 per person and $50,000 per accident. This auto policy provides bodily injury coverage in the event you are injured in a hit-and-run accident or the at-fault driver is uninsured.

The insurer will send you an insurance card to provide proof of coverage. Failing to meet these auto insurance requirements will result in penalties. You’ll receive a minimum $500 fine for driving an uninsured vehicle or a minimum $1,000 fine for driving while the registration is suspended for not being insured.

First-time offenders receive a suspension on their vehicle registrations until they pay a $100 reinstatement fee. Repeat offenses result in four-month suspensions.

You also need to consider that without bodily injury and property damage liability coverage, you may be liable for the victim’s medical expenses and other costs out of pocket. They could take you to court for the accident and drain your savings.

All in all, you must have a liability policy on any vehicle you plan to drive, even occasionally. We can help you find affordable car insurance coverage that thoroughly protects you in case of an at-fault accident.

Understanding Insurance Premiums: How Much Will You Have To Pay?

Many people hesitate to purchase liability auto insurance coverage because they worry about costs. Thankfully, policies that meet the insurance minimums in Illinois can be very affordable.

We work with some of the best insurance companies in the state to provide cheap liability auto insurance for clients. We will quote you with several companies to find the best rates.

Your “premium” is the monthly cost to keep your policy active. Premiums for liability car insurance in Illinois vary per person and depend on a range of factors:

Driving history: If you have accidents on your driving record, your premiums will increase.
Age: Young drivers tend to have higher premiums simply because they are statistically more likely to be involved in accidents.
Liability coverage limits: The higher your policy limits, the higher the premiums will be.
Deductible: The deductible is the amount you must pay before the policy kicks in.
Vehicle: Newer and pricier vehicles are more expensive to insure.

The average cost of a minimum liability insurance policy in Illinois is just $633 a year, or a little over $50 per month. This includes uninsured motorist bodily injury coverage.

Strategies for Lowering Car Insurance Costs

Meeting Illinois’s liability limits doesn’t need to break the bank. Our licensed insurance agents are committed to finding affordable car insurance rates that meet your needs.

We can walk you through strategies to lower your rates for liability car insurance in Illinois further, such as:

Increasing deductibles: Raising your deductible may be worthwhile if you want the lowest possible premium. You’ll pay more if you’re ever at fault in an accident, but your monthly costs will be lower.
Bundling policies: Bundling your home and auto insurance policies with the same insurer can qualify you for a multi-policy discount.
Taking advantage of discounts: Many insurance companies offer other discounts, such as the safe driver discount that lowers premiums if you go a certain amount of time without being involved in an accident. You may also save money by paying the policy in full rather than monthly.

Common Types of Auto Coverage Beyond Liability

While Illinois only requires drivers to carry auto liability insurance and uninsured motorist coverage, supplementing your policy with additional coverage is often a good idea. Car insurance provides a safety net if you are ever involved in an expensive accident. With the right protection, a collision won’t completely devastate your finances, and you’ll be able to get back on your feet faster.

Often, adding the following to an auto insurance policy only increases the premium by $20 to $30 a month. Allow us to walk you through potential options and explain exactly how they will affect your costs.

Collision coverage: This form of insurance pays for damage to your vehicle caused by a collision, whether it involved another driver or simply running into a guardrail. It pays up to the actual cash value of your car.
Comprehensive coverage: This pays to repair or replace vehicles after non-collision damage. If your car is damaged during a theft, storm, or fire, you’ll have the funds to mitigate the damage.
Personal injury protection: This addition pays for your medical bills and lost wages after an accident, regardless of who was at fault. It makes it easier to start moving forward after an accident when the other driver’s insurer isn’t cooperating.
Uninsured/Underinsured motorist coverage: While Illinois’s insurance coverage requirements extend to uninsured motorist bodily injury insurance, you can also add protection for property damage caused by an underinsured or uninsured driver. Illinois law requires insurance companies to offer this addition with a maximum deductible of $250.
Gap coverage: If you are leasing or financing a vehicle, gap coverage can pay the difference between the vehicle’s actual cash value and what you still owe on it in the event of a serious accident.

Request a Free Quote for Liability Coverage from Insurance Navy

Meeting Illinois’s minimum car insurance requirements helps you stay compliant, avoid fines, and protect yourself in the event of an at-fault accident. Need SR-22 Insurance? We have you covered. At Insurance Navy, we make the process of securing affordable auto policies easy.

Speak with a reliable insurance agent online, over the phone, or in person at one of our 25+ locations across Illinois. We will explain the minimum limits you must meet and match you with a car insurance policy that includes your desired level of protection.

Frequently Asked Questions

What is liability car insurance in Illinois?

Liability car insurance coverage in Illinois pays for the other driver’s injuries and property damage after an accident for which you are the at-fault driver. It is legally required in Illinois.

What is the cheapest liability-only car insurance?

The cheapest liability-only car insurance will likely cost around $50 per month or close to $600 for the full year. You can reduce your costs by paying the policy in full or qualifying for other discounts from the insurer.

Is it OK to just have liability car insurance?

In Illinois, it isn’t okay to just have liability car insurance. You must also carry uninsured motorist bodily injury coverage. We’ll make sure you meet all insurance regulations in the state.

What is the Illinois state minimum auto insurance coverage for bodily injury liability per accident?

The minimum auto insurance coverage for bodily injury liability in Illinois is $50,000 per accident and $25,000 per person. Trust our experienced insurance agents to stay up to date on all laws surrounding liability car insurance in Illinois.