Illinois Car Insurance Minimum Requirements
What Illinois law requires you to carry, and what your insurer must offer you on top of it.
- Shorthand
- 25/50/20
These limits have not changed since January 1, 2015. Guides that list 30/60/25 as a 2025 increase are wrong — the increase was proposed but never enacted, and 625 ILCS 5/7-203 still reads $25,000 / $50,000 / $20,000.
- Bodily injury — per person
- $25,000
- Bodily injury — per accident
- $50,000
- Property damage
- $20,000
- Uninsured / underinsured motorist
- UM required at 25/50; UIM required only above the minimum
Uninsured motorist bodily injury coverage at the 7-203 limits is mandatory and cannot be rejected (215 ILCS 5/143a). Underinsured motorist coverage is required only when the policy carries UM limits above the state minimum (215 ILCS 5/143a-2(4)). UM above the minimum must be offered equal to the bodily injury limits and may be rejected in writing.
- Personal injury protection (PIP)
- Not required
Illinois has no mandatory personal injury protection. The Department of Insurance lists Medical Payments under "Optional Coverages for Additional Premium".
What changed
January 1, 2015
Minimum liability limits last rose to 25/50/20 — and have not moved since
625 ILCS 5/7-203 states that the changes made by the 98th General Assembly apply to policies issued or renewed on or after January 1, 2015. That is still the current text: $25,000 per person, $50,000 per crash, $20,000 property damage, last amended by P.A. 102-982 (a terminology change, effective July 1, 2023). A widely repeated claim that Illinois moved to 30/60/25 on January 1, 2025 is false — no such act was passed. A 2025 bill (HB 0066, 104th General Assembly) proposes 50/100/40, but it has not been enacted.
Illinois General Assembly — 625 ILCS 5/7-203