Illinois Car Insurance

Auto Insurance Coverage in IL—The Basics

If you recently moved to Illinois, are buying a car in the Prairie State for the first time, or are just looking to switch your insurance to GEICO, there are many Illinois auto insurance coverage options that you will want to consider.

Keep these facts in mind as you get a car insurance quote with GEICO.

  1. Illinois' mandatory insurance law requires drivers to carry their insurance card at all times and present it to a law enforcement officer upon request.
  2. The state of Illinois will randomly select drivers to make sure they have proper car insurance. If selected, you'll receive a letter asking to verify your coverage. Law requires you to fill out the form and return it within 30 days.
  3. When you sign your vehicle registration renewal form, you're also promising that the vehicle will be insured during the entire registration period.
  4. Punishment for not carrying auto insurance in IL can be severe. You could have your license plates suspended or receive a minimum fine of $500. Driving with a suspended registration could result in a $1,000 fine.

Learn More About Illinois Required Auto Coverage

While some types of coverage are required, you may choose to reject others. Illinois drivers must have at least the following coverages to drive legally in the state.

  • Bodily injury liability coverage: Minimum legal requirement $25,000 per person and $50,000 per accident
  • Property damage liability coverage: Minimum legal requirement $20,000
  • Uninsured motorist bodily injury coverage: Minimum legal requirement $25,000 per person and $50,000 per accident
  • Uninsured motorist property damage coverage*: Minimum legal requirement $15,000 with a $250 deductible

* Note that these coverages can be rejected.

Illinois Teen Driver Laws

In Illinois, there is a Graduated Driver Licensing (GDL) program to help teen drivers gradually get more comfortable driving. Drivers may apply for a permit at age 15. At this point, the teen must also enroll in a driver's education course. After 50 hours of practice and upon completion of the driver's education course, 16 and 17 year-old drivers may apply for an initial license. At 18, IL drivers can get a full license, which lifts restrictions on the hours the teen may be on the road and how many passengers he or she may have in the car.

Illinois Registration Information

As a new Illinois resident, you may continue to drive on your valid out-of-state driver's license for 90 days. Commercial driver's license holders must obtain an Illinois Commercial driver's license within 30 days of becoming an Illinois resident.

To obtain a new driver's license, you must visit a Driver Services facility to surrender your out-of-state license and pass a vision screening, written exam and possibly a drive exam. Proper identification must be presented so we can verify your full name, date of birth, Social Security number, Illinois residency and written signature.

You must change your vehicle registration and order new license plates within 30 days by filling out a form at a Driver Services facility.