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Illinois Car Insurance Requirements: Minimums, UM/UIM, and What You Really Need

Thu 5 Mar, 2026 / by / Car Accidents

Illinois minimum coverage is $25,000/$50,000/$20,000 (bodily injury/per-person/property damage), but these limits are dangerously low and won’t cover serious injuries. Uninsured/underinsured motorist (UM/UIM) coverage at the same limits is optional but strongly recommended. 625 ILCS 5/7-601. Learn minimum liability coverage, UM/UIM coverage, and what happens if an at-fault driver is underinsured.”> …