If you are a resident of Illinois and plan on operating a vehicle you should be aware that the state has specific minimum legal requirements for auto insurance coverage. Keep in mind that the state’s minimum requirement should not be viewed as a recommended coverage level; it is simply the minimum requirement to legally operate the vehicle on public infrastructure.
Often, state requirements are much lower than the cost of injury or damage incurred in an accident and the cost of raising those limits to a more reasonable level may be quite reasonable. Residents of Illinois should independently determine the insurance coverage that is right for them, making sure that it meets the state’s minimum requirements.
Once you’ve decided on a policy that meets your needs, comparing car insurance quotes on an annual basis will help ensure that you continue to get the best rate possible. You will also want to review the policy to make sure that the coverage levels and policy features still fit your lifestyle. Life events, your financial situation or other factors may suggest a change in coverage.
- Bodily injury per person: $20,000
- Bodily injury for all persons: $40,000
- Property damage coverage: $15,000
