If you are an Illinois resident looking for the best car insurance, you have found the right place. At Cheapcarinsuranceco.com you can find the state mandated minimum coverage you need, or you can look for more comprehensive coverage to protect yourself and your car. We encourage our customers to shop around, and we are confident that our company provides the very best value.

Illinois Car Insurance Requirements

The state of Illinois requires all drivers to purchase a minimum of $20,000 in bodily injury liability coverage, up to a total of $40,000 coverage for each accident. The state law also requires those drivers to buy property damage liability coverage at a minimum level of $15,000. This type of policy is known as 20/40/15 coverage.

Illinois Insurance Coverage:

Bodily injury liability: $20,000/$40,000 minimum

Property Damage Liability: $15,000 minimum

The state of Illinois uses a Tort system to determine fault and payment responsibility. This means that the driver found to be at fault in the accident, along with his or her insurance company, is responsible for paying the costs associated with that incident. The Tort laws vary from state to state, and drivers should take those laws into account when purchasing car insurance.

In addition to the mandatory levels of coverage, Illinois drivers can purchase a number of optional coverages, including coverage for underinsured and uninsured drivers. When deciding whether or not you need this protection, keep in mind that not all drivers will be responsible enough to buy the coverage they are required to have.

With a quote from Cheapcarinsuranceco.com you can be sure that you are getting the best price on the coverage you need, whether you choose state mandated minimum coverage or a more comprehensive set of benefits. We are here to help Illinois residents get the coverage they need at a price they can live with.