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State requirements

Illinois Car Insurance Requirements & Mandatory Verification (2026)

Illinois requires 25/50/20 liability and matching 25/50 uninsured motorist coverage. Illinois verifies coverage through the ILIVS electronic portal.

Data reviewed October 24, 2026

Under 625 ILCS 5/7-601, the Illinois Safety and Family Financial Responsibility Law mandates that no person shall operate a motor vehicle unless covered by a liability policy. Illinois uses the Illinois Insurance Verification System (ILIVS) to audit coverage electronically twice per year.

Illinois Statutory Coverage vs Average Annual Cost
Coverage Element Statutory Limit Included by Law
Bodily Injury Liability,000 per person / ,000 accidentMandatory
Property Damage Liability,000 per accidentMandatory
Uninsured Motorist (UMBI),000 per person / ,000 accidentMandatory by statute
Underinsured Motorist (UIM)Required if UMBI exceeds 25/50Conditional
Collision & ComprehensiveOptional (lender requirement)Optional

Mandatory Illinois Limits

Illinois requires minimum liability of ,000 for injury or death of one person, ,000 for injury or death of two or more persons, and ,000 for property damage (25/50/20). State law also requires 25/50 Uninsured Motorist Bodily Injury (UMBI) coverage bundled into every policy.

ILIVS Electronic Verification Program

The Illinois Secretary of State operates ILIVS, submitting automated electronic inquiries to insurance companies twice annually. If a policy cannot be confirmed, the owner receives a mandatory verification request with a 30-day response window.

Modified Comparative Fault in Illinois

Illinois enforces a 51% modified comparative negligence rule (735 ILCS 5/2-1116). If an injured party is found greater than 50% responsible for the accident, all damages are barred.

Cost Comparison in Illinois

Average state-minimum liability in Illinois runs roughly annually. Full coverage averages ,850 per year statewide, with Chicago metro area zip codes seeing rates closer to ,400.

Frequently asked questions

What is ILIVS in Illinois?
It is the Illinois Insurance Verification System, an automated portal that cross-references vehicle registrations with insurer databases.
Can you drive in Illinois without uninsured motorist coverage?
No, Illinois law requires UM coverage matching the minimum 25/50 bodily injury limits on all liability policies.

Sources

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