Insurance King Racing & Josh Bilicki
NASCAR driver Josh Bilicki

State of Illinois Auto
Insurance Requirements

Insurance King wants to help you get the lowest possible auto insurance requirements. Being familiar with your state’s financial responsibility requirements is an easy way to start. Here is the most recent information for Illinois:

The minimum amount of liability insurance coverage required to satisfy the Illinois Financial Responsibility law is 25,000/50,000/20,000. This means that your insurance policy must insure you against loss in an accident where you have been determined to be at-fault for a minimum of:

Under Illinois law, you are required to provide documentary proof of Financial Responsibility at the request of a law enforcement officer at the time of an accident or traffic stop.
To ensure drivers continue to meet the Financial Responsibility requirements, Illinois also conducts a random questionnaire sampling. If your vehicle is randomly selected, you will receive a questionnaire asking for the name of your insurance company and policy number. Your answers will be verified with the company you identify. If you do not have insurance or fail to return the questionnaire with the requested information, your license plates will be suspended.
In addition to the random sampling, Illinois is authorized to target for verification persons:

Penalty for failure to comply with Illinois Financial Responsibility requirements:

Failure to maintain proper insurance could lead to the suspension of your license plate registration and the following fines:
If you are stopped for a traffic violation or involved in an accident, and convicted of failing to show insurance:
If you are randomly selected to provide proof of insurance and you fail to do so:

Certificate of Financial Responsibility (SR-22):

An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the Illinois Secretary of State providing proof that you have purchased liability insurance. The following circumstances may require a person to have an SR-22:

Link to Illinois Drivers Services Department

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