In Illinois, the law requires that all motorists be covered by liability insurance to cover the cost of injuries or damage caused to other people or their property in an accident. Without coverage, a single-vehicle collision could result in significant financial loss and cause you to lose your driving privileges. If you need more than one type of insurance, you may be able to get a discount if you have all your insurance covered by a single insurance provider. In some states, your vehicle can be towed and you can't claim it until you present proof of insurance.
Not having car insurance in many states can make you a high-risk driver when buying car insurance. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive. If the insurance agent quotes the premium incorrectly, the correct amount calculated by the insurance company is the price you will actually have to pay. Fault drivers often rely on liability insurance to pay for damages, which is why Illinois law requires car owners and drivers to have a minimum amount of liability insurance.
For more information on car insurance in Illinois, see the Illinois Department of Insurance's Auto Insurance Buying Guide. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. In no-fault states, you rely on your own insurance to cover medical bills and other out-of-pocket losses, regardless of who caused the car accident.
If you can't find car insurance because of your driving history or the type of vehicle you own, talk to your insurance agent about the Illinois Auto Insurance Plan. Your liability insurance covers you when you drive your car and will likely cover you if you have an accident in a rented car. If you want coverage for your car repair bills, you must take out collision insurance and comprehensive car insurance. As severe as these penalties are, they pale in comparison to the financial impact you could suffer if you have a car accident and don't have car insurance.