Illinois Insurance RequirementsResidents of the Prairie State who plan on operate an automobile on the state's roadways must comply with the mandated Financial Responsibility (FR) laws. Similar to the majority of the United States, motorists must have the means in place to pay for bodily injury and/or property damage that they may cause as a result of a traffic accident with their vehicle. Most IL drivers choose to abide by this law by maintaining a car insurance policy which meets the legal requirements of the state.Individuals who choose to purchase automobile coverage must have a policy consisting of two types of protection; liability and uninsured/underinsured motorist. The liability portion of an illinois auto insurance policy must consist of minimum limits of $20,000 for bodily injury to one person, $40,000 for bodily injury to two or more people and $15,000 for property damage. The uninsured/underinsured motorist must meet the minimum bodily injury liability limits at $20,000 and $40,000; however, rather than pay the injuries or property damage of a third party, this will pay for the injuries sustained by the policyholder and/or passengers and those considered "insured" as a result of a traffic accident involving a driver without a policy, does not have enough coverage to pay for injuries or victim of a hit-and-run. Motorists caught and convicted of operating an automobile without valid policies may have license plates suspended and the driver can face a minimum fine of $500. In addition, those caught driving while license plates are suspended for a previous coverage violations can receive a minimum fine of $1,000.

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