Illinois: car insurance by state
Minimum car insurance each state requires, whether the state is no-fault, and how shared fault affects an injury claim.
| Minimum liability (bodily injury per person / per accident / property damage) | $25,000 / $50,000 / $20,000 |
|---|---|
| Other coverage you must carry | Uninsured and underinsured motorist $25,000/$50,000 |
| Fault system | At-fault (the driver who caused it pays) |
| Shared-fault rule | Modified comparative: barred at 51% fault or more |
| Shared-fault law | 735 ILCS 5/2-1116 |
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Illinois.
Also for Illinois: Small claims limits in Illinois
How we checked this
Liability limits were compared across two independent 50-state tables built from state insurance department filings; they agreed for every state. The shared-fault rule comes from a law-firm survey updated June 2026, with 2026 changes in Louisiana and New York confirmed separately. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.