Liability/State Minimum

What is Liability Coverage?

Illinois drivers must obtain an auto insurance policy that includes a minimum amount of liability coverage. Liability insurance protects you if you cause an accident and you hurt someone or someone’s property. Liability insurance does not cover you and your vehicle. Liability coverage has two parts: bodily injury liability and property damage liability.

You are required to prove that your vehicle is insured to register it with the state. Whenever you drive in Illinois, you need to carry proof that you are insured. After you purchase a policy from us, we provide you with a proof-of-insurance card that contains important information about your auto insurance policy.

Minimum Liability in the State of Illinois

Liability coverage is also known as State Minimum coverage. This type of insurance covers other individuals and their vehicles if an accident is your fault. You and your vehicle are not covered, but passengers in your vehicle are. This coverage is sufficient to meet the legal requirements in Illinois, and it’s a good, affordable solution if you are on a tight budget.

Bodily Injury

• $25,000 in bodily injury coverage for each injured person
• $50,000 in bodily injury coverage total per accident

Property Damage

• $20,000 in property damage coverage per accident

Uninsured Motorist Bodily Injury

• $25,000 in bodily injury coverage for each injured person
• $50,000 in bodily injury coverage total per accident

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