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Illinois’ minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Illinois:

Is it mandatory to have car insurance in Illinois? 


What are the minimum limits for Illinois?

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$20,000 property damage per accident



Dairyland® coverage in Illinois

At Dairyland, we’re proud to be able to help drivers in Illinois meet their insurance needs. Here are some of the parameters of our insurance coverage in Illinois:

What is the maximum bodily injury liability and property damage limit available in Illinois?

$100,000 bodily injury liability per person 
$300,000 bodily injury liability per accident 
$100,000 property damage liability per accident



What coverages are required to be offered in Illinois? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured motorist (UM)/underinsured motorist (UIM) bodily injury coverage is required at minimum limits of $25,000 per person and $50,000 per accident. You can reject UM/UIM at higher limits. 

What are all the coverages Dairyland offers in Illinois?

  • Uninsured Motorist Bodily Injury
  • Underinsured Motorist Bodily Injury
  • Bodily Injury
  • Property Damage
  • Medical Payments
  • Rental Reimbursement
  • Roadside Assistance
  • Special Equipment
  • Uninsured Motorist Property Damage
  • Comprehensive
  • Collision
  • Lienholder Deductible

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Illinois? 

20 years 

How far back does Illinois go to look at violation history? 

 3 years

What additional policy types are offered in Illinois?

Named Non-Owner

Is an insurance score used in my rating in Illinois? If so, is it mandatory? 

 An insurance score is used in Illinois, but you can opt out.

What policy terms does Dairyland offer in Illinois? 

 1, 2, 3, 6, and 12 months

What is Dairyland’s minimum down payment option in Illinois? 

1 month

Are SR22s used in Illinois?  If so, is there a fee assessed by Dairyland? Is it filed electronically?  

SR22s are used in Illinois, filed electronically free of charge.

What discounts are available from Dairyland in Illinois?

  • Advanced quote
  • Anti-theft device
  • Association 
  • Defensive driver course
  • Homeowners
  • Multi-car
  • Paid in full
  • Prior insurance
  • Quarterly

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