Illinois Car Insurance Quotes

The State of Illinois is smack dab in the middle of the Midwest United States making it an important crossroads for the nation. In fact, Chicago O’Hare was the busiest airport in the world based on takeoffs and landings in 2014. If you plan on staying in the State of Illinois, make sure to adhere to its mandatory vehicle insurance law.

Illinois Motto: State Sovereignty & National Union

The “Prairie State” was established as the 21st member of the Union in 1818. The original capital was at Kaskaskia. In the American Civil War, Illinois ranked 4th in terms of men serving behind New York, Pennsylvania and Ohio. The “Land of Lincoln” (Lincoln was actually born in Hodgenville, Kentucky) proudly lead the nation to end the horror of slavery.

Lake Michigan is a popular place for the wealthy to build their homes. At one time, Illinois was considered to be the “Hog Butcher of the World,” which lead to the development of the Chicago Mercantile Exchange (CME). The State of Illinois has 13 x primary interstates passing through it including I-24, I-34, I-55, I-57, I-64, I-70, I-72, I-74, I-80, I-88, I-90 and I-94. The Illinois Secretary of State is responsible for enforcing the mandatory vehicle insurance laws.

Minimum Illinois Insurance Coverage

The State of Illinois requires liability insurance on all cars, vans, motorcycles, recreational vehicles and trucks. You must carry your insurance card in your vehicle to present to any law enforcement officer. Here is the minimum mandatory vehicle insurance for Illinois:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two persons
  • $20,000 for property damage or destruction

Illinois uses a random questionnaire sampling process and traffic stops to check for insurance.

Select Your County Below to Start the Insurance Quote Process:

Adams County
Alexander County
Bond County
Boone County
Brown County
Bureau County
Calhoun County
Carroll County
Cass County
Champaign County
Christian County
Clark County
Clay County
Clinton County
Coles County
Cook County
Crawford County
Cumberland County
DeKalb County
De Witt County
Douglas County
DuPage County
Edgar County
Edwards County
Effingham County
Fayette County
Ford County
Franklin County
Fulton County
Gallatin County
Greene County
Grundy County
Hamilton County
Hancock County
Hardin County
Henderson County
Henry County
Iroquois County
Jackson County
Jasper County
Jefferson County
Jersey County
Jo Daviess County
Johnson County
Kane County
Kankakee County
Kendall County
Knox County
Lake County
LaSalle County
Lawrence County
Lee County
Livingston County
Logan County
McDonough County
McHenry County
McLean County
Macon County
Macoupin County
Madison County
Marion County
Marshall County
Mason County
Massac County
Menard County
Mercer County
Monroe County
Montgomery County
Morgan County
Moultrie County
Ogle County
Peoria County
Perry County
Piatt County
Pike County
Pope County
Pulaski County
Putnam County
Randolph County
Richland County
Rock Island County
St. Clair County
Saline County
Sangamon County
Schuyler County
Scott County
Shelby County
Stark County
Stephenson County
Tazewell County
Union County
Vermilion County
Wabash County
Warren County
Washington County
Wayne County
White County
Whiteside County
Will County
Williamson County
Winnebago County
Woodford County

Penalties for Non-Compliance

Under the “625 ILCS 5/3-707 Sec. 3-707” “Operation of uninsured motor vehicle,” the first offense of not carrying insurance could lead to a minimum $500 fine and license suspension for 3 months. Subsequent offenses have a $1,000 minimum fine and license suspension for 3 months.

Repeat offenders must serve a four-month suspension, pay the $100 reinstatement fee and provide current evidence of insurance for three years. Illinois uninsured motorists rank 20th worst in the nation.

Illinois: Land of Lincoln

Enjoy the great activities in Illinois by adhering to the mandatory insurance laws. Fill out the form above for a free quote.