In the state of Illinois, auto insurance is the law. All state of Illinois drivers must carry minimum auto liability insurance in the amount of 20/40/15. This means in order to operate a vehicle on Illinois avenues and expressways you must carry:
$20,000 of Liability Bodily Injury coverage per person injured
$40,000 of Liability Bodily Injury coverage per accident
$15,000 of Property Damage coverage per accident
Liability auto insurance refers to insurance against loss resulting from civil liability for injury or damage to the persons or property of others. The Illinois Department of Insurance strongly recommends purchasing higher amounts of auto insurance than the legal limits plus uninsured/underinsured motorist insurance (UM/UIM). There are more than 8 million licensed drivers on Illinois roads. The state has the 6th highest number of drivers the nation and 15% drive without insurance. This type of auto insurance (UM/UIM) will protect the states insured drivers against the 1.2 million drivers that defy state laws and drive without insurance. Unfortunately, thousands more drive with inadequate insurance.
If you decide to drive without auto insurance in Illinois, you risk losing more than your life savings if you are in a serious car accident. If you are caught driving without insurance in The Prairie State, you will receive a ticket (citation). You must prove that you auto liability insurance at the time of the citation. If you fail to provide proof of insurance, you will have to pay a minimum fine of $500 and a mandatory $100 fee to reinstate your registration.
Purchasing insurance in Illinois is simple. Sites like Insuredonline.info provide drivers the choice of insurance companies serving their area. The average yearly cost for Illinois automobile insurance is $1,241. Compared with the financial risk and anxieties related to driving without insurance, this is a small price to pay.
