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Illinois Car Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Illinios. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Illinois Car Insurance Laws

Illinois law requires liability insurance coverage in the following amounts: bodily injury coverage of at least $20,000 per person per accident and $40,000 total per accident; and property damage liability limits of at least $15,000 per accident.

Illinois law also requires uninsured motorist coverage of at least $20,000 per person and $40,000 per accident.

You may want to consider buying higher limits because the state minimums may not be enough to fully protect you from lawsuits. Many vehicles today are worth more than $15,000 and medical bills for injuries could easily exceed $20,000 for one person. If you are found negligent in an accident and the damages exceed your insurance limits, you can be sued in court for those amounts not covered by your insurance.

Illinois Services for Motorists

The Illinois Services for Motorists has an array of online services available. Residents of Illinois can go online to change address, renew vehicle registration, renew driver's license or Identification Card, and more.

The website lists Illinois DMV locations and hours, gives detail information about title and registration process, driver license service, applying for vanity license plates, auto emissions, and describe minimum levels of mandatory auto insurance, and more. A separate section has in depth information for new drivers, teen driving safety and download forms, applications, and driver manuals. Drivers can also find information about new child safety seat requirements and new changes to teen driving laws. Go online and save time before your next trip to the Illinois DMV.

Illinois Department of Insurance

The Illinois Department of Insurance regulates the insurance industry in the State of Illinois. They monitor the financial solvency of all regulated insurance entities conducting business in Illinois and protect Illinois citizens in their insurance transactions.

The website is full of resources of Consumer tips, Consumer Fact Sheets, sections for auto insurance, health, homeowners, and life insurance. In the Auto Insurance section, consumers can read about automobile cancellation issues, non renewal, insurance for teen drivers, how to file a auto claim with your insurance company, rights of recourse for total loss auto claims and an auto insurance shopping guide. Residents of Illinois can also file a complaint online, get general insurance information for travel insurance, insurance for college students, tips on finding reputable insurance companies, view insurance company bankruptcy filings, and much more.

The agent or producer section has information about licensing information, exam preparation information, fee schedules, insurance laws and rules, applications forms and access to the Illinois licensed insurance producer database.