Illinois Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Illinois is $20,000 for injury, $40,000 for all injuries, and $15,000 in property damage. Commonly referred to as 20/40/15 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • Permanent Insurance Card.
  • Policy Declaration Page.
The state of Illinois takes their insurance laws very seriously. If a driver is involved in a traffic stop or accident and can not produce proof of insurance the driver will receive a minimum $500 fine for driving uninsured. If the driver’s license plates are suspended for a previous insurance violation the fine is a minimum of $1,000.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained.

Below is a list of SOME EXAMPLES of violations and their corresponding point values:


  • 1-10mph over – 5 points
  • 11-14 mph over – 15 points
  • 15-25 mph over – 20 points
  • more than 25 mph over – 50 points
  • In a school zone – 20 points
  • Additional Violations/Infractions

  • Driving too fast for conditions – 10 points
  • Motorcycle safety equipment not used properly as required – 5 points
  • Failure to use or improper signal – 15 points
  • Squealing or screeching tires – 10 points
  • Driving below minimum speed limit – 5 points
  • Improper U-turn – 20 points
Illinois has an extensive list of violations and point totals, they are varied by severity and include special circumstances. To view the list in it’s entirety Click Here.
In the state of Georgia, a driver’s license becomes suspended if a driver reaches 15 points within a 2 year period. This point total counts any points gained or violation in any other state.

The point totals and duration of suspension for first offenders are listed below:

  • 0 to 14 points – no action
  • 15 to 44 points – 2 month suspension
  • 45 to 74 points – 3 month suspension
  • 75 to 89 points – 6 month suspension
  • 90 to 99 points – 9 month suspension
  • 100 to 109 points – 1 year suspension
  • 110 or more points – 1 year revocation

If a driver has had their license suspended in the past seven years prior to the current suspension, the length of the suspension period may be doubled.

There are many offenses in Illinois that can cause your license to be suspended automatically. We strongly suggest that you review Title 92, by clicking the additional resource link below, for an in depth evaluation.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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