The General® is pleased to provide auto insurance in Illinois.  We offer low cost auto insurance options online even if you have a less than perfect driving record, have never been insured before, have let your policy lapse, or have had your license suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Minimum Level of Coverage

Illinois mandatory insurance law was put in place to keep drivers who cannot bear the cost of injuries or damage they cause off the highway.  Your policy must meet the minimum limits of liability: $25,000 per injured person up to a total of $50,000 for everyone hurt in the accident, and coverage of $20,000 for property damages.  This basic coverage is often referred to as 25/50/20 coverage.  The statutory minimum limits of liability insurance in Illinois are:

Bodily Injury

- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Property Damage

- $20,000 for any one accident

Uninsured Motorist Bodily Injury

- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Frequently Asked Questions Regarding Illinois Auto Insurance

Why should you buy auto insurance?

If you cause an auto accident, you may be responsible for the losses of the other people involved.  A claim may be made or a lawsuit filed against you for the losses.  You may have to pay not only for the property damage you cause, but also for the medical expenses, lost wages, and pain and suffering of any injured person.

If you do not have insurance, anything of value that you own, including your home, savings, future wages and other assets, may be taken to pay for those losses.  Auto liability insurance will protect you so that this does not happen.

What vehicles are affected?

Liability insurance is required for all motor vehicles that must display license plates and are being driven, including cars, vans, motorcycles, trucks and buses.  Trailers are not required to have liability insurance.

How could I receive a traffic citation for driving without liability coverage?

If you are stopped for a traffic violation or involved in an accident, a law enforcement officer may issue a traffic citation if you are unable to provide evidence of insurance.  If convicted, your license plates will be suspended and you will face the following fines:
a. minimum $500 fine for driving uninsured;
b. minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Illinois Department of Insurance
Illinois Department of Motor Vehicles
Illinois Department of Transportation
Illinois State Police
The Official State of Illinois Website