Is Illinois a no-fault state?
No. Illinois is an at-fault state. Drivers must carry liability insurance to pay for damage they cause in a crash.
Last checked November 9, 2026 · Official sources (4)
How does Illinois car insurance work?
“Illinois law (625 ILCS 5/7-203) requires most motorists to carry bodily injury and property damage liability insurance to help pay for damages they cause in an auto accident.”
Illinois Department of Insurance
What is Illinois's minimum car insurance?
| Coverage | What Illinois requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $20,000 |
| Uninsured motorist | Uninsured motorist bodily injury coverage has minimum limits of $25,000 per person and $50,000 per crash. |
Other at-fault states
Questions
How much insurance does Illinois require?
At least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage (25/50/20).
What if you were partly at fault in Illinois?
If you were 50% or less at fault, you can still recover, but your money is cut by your share; over 50% and you get nothing.
Hurt in a crash in Illinois? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Illinois Department of Insurance, checked 2026-11-09. “Illinois law (625 ILCS 5/7-203) requires most motorists to carry bodily injury and property damage liability insurance to help pay for damages they cause in an auto accident.”
- Illinois Department of Insurance, checked 2026-11-09. “The minimum amounts drivers are required to carry are 25/50/20: $25,000 per person and $50,000 per accident for bodily injury liability and $20,000 for property damage liability.”
- Illinois Department of Insurance, checked 2026-11-09. “Currently, Illinois uninsured motorist bodily injury minimum limits are $25,000 per person and $50,000 per accident.”
- Illinois General Assembly (Illinois Compiled Statutes), checked 2026-11-09. “the plaintiff shall be barred from recovering damages if the trier of fact finds that the contributory fault on the part of the plaintiff is more than 50% of the proximate cause of the injury or damage for which recovery is sought.”