Why is Car Insurance Required in Illinois?

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why is car insurance required illinois

Have you ever wondered why car insurance is required by law?  The insurance debate dates back over one hundred years since the Ford’s Model T production in 1908.  While there is no federal mandate, car insurance requirements are determined at the state level.

Why is Car Insurance Required?

Car insurance is a requirement, but is it really necessary?  According to the National Highway Traffic Safety Administration (nhtsa.gov), there are over 6 million auto-related accidents in the United States each year.

You may ask: “My car isn’t worth insuring.”  While this may be true, you WILL be held accountable in the event a car accident is deemed to be your fault.  This simply means that in the event of an accident, it will be your responsibility to pay for vehicle or property damages, including any third-party injuries sustained as a result.

Simply put:

YOUR car insurance protects you financially from catastrophes. 

YOUR car insurance guarantees other drivers a solution in the event of an auto accident.

So What Car Insurance Coverage is Required in Illinois?

If you own a vehicle in the state of Illinois, auto liability insurance is mandatory.  To be in compliance with Illinois law, you must have car insurance liability limits in the following minimum amounts:

  • $25,000 Bodily Injury Per Person
  • $50,000 Bodily Injury Per Accident
  • $20,000 Property Damage

A car insurance policy may be a bothersome expense to some, but it is meant to protect you from unexpected expenses.  Besides covering your own vehicle, car insurance is meant to protect you from liability lawsuits from any third-party who experiences bodily injury or property damage losses due to your negligence.  

Car Insurance Quotes

Insured ASAP provides affordable car insurance in Aurora, Chicago, Elgin, Joliet, Rockford and throughout Illinois and Indiana.  Start a quote online now or contact us for more information.

Are you a business owner in Illinois?  Check out our article on Illinois Business Insurance Requirements for information on required business insurance.

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