Illinois Mandatory Auto Insurance Minimums

Common sense dictates that auto insurance is a good idea. An individual may take every precaution to drive carefully, but no one can predict or control the driving of others. Accidents happen, often at the least expected and most inconvenient of times. Beyond common sense, however, the state of Illinois requires drivers to secure insurance coverage that complies with mandatory policy minimums

Driving without at least the minimum liability coverage is illegal and may result in the loss of your license and other penalties. If you are involved in an accident for which you are at fault, liability insurance provides financial protection for the party to whom you owe damages. In Illinois, the mandatory amounts of liability insurance include:

• $20,000 for the injury or death of one person in a single accident
• $40,000 for the injury or death of more than one individual in a single accident
• $15,000 for property damage to another party in a single accident

In addition to the minimum amounts above, many people purchase collision and comprehensive insurance coverage. Together termed full coverage, these categories provide financial protection for the insured in the event of an accident, regardless of which party is at fault. Moreover, depending upon the specific terms of the policy, a driver may be insured against damage caused by theft, vandalism, or acts of nature.

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Whether you need liability insurance for a new vehicle, or are searching for affordable full coverage insurance, Insure on the Spot offers great rates and no-hassle service. Contact our Illinois auto insurance experts at 888-972-SAVE to receive a free quote from an insurance specialist today.