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Do I Have to Carry Proof of Insurance in Illinois?

Written by Jared Staver

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Jared Staver is a Personal Injury Lawyer based in Chicago, Illinois and has been practicing law for over 20 years.

Jared Staver

CATEGORY: Auto Accidents, Insurance


In the state of Illinois, every driver must have car insurance to protect themselves in car accidents. The minimum coverage required in Illinois is $25,000 for the injury or death of one individual, $50,000 for the injury or death of more than one individual, and $20,000 for property damage.

Although these are the minimum amounts ordered by Illinois law, it’s usually a smart decision to carry an insurance policy with higher maximum coverage. In addition to meeting the minimum car insurance requirements, Illinois drivers must carry proof of insurance so that they have it in the event a law enforcement officer asks for it.

If you have been involved in a car accident and have questions about car insurance in Illinois, contact Staver Accident Injury Lawyers, P.C. today at (312) 236-2900.

Penalties for Failing to Carry Proof of Illinois Auto Insurance

It’s important to understand the particulars of your auto insurance policy, but any Illinois drivers who are unable to show proof of insurance will face serious penalties including a fine between $500 and $1,000 and a license plate suspension of up to four months. If you are caught driving without proof of insurance for the first time but are able to prove that you have insurance in court, you will be responsible for a $100 fine. In the event that you cause bodily injury without carrying insurance proof, you may face a year in jail and a fine of $2,500 for this misdemeanor conviction.

In Illinois, drivers may be randomly selected to prove that they have the required auto insurance coverage. If you are chosen, you will need to complete and return a form that includes your insurance company and policy information within 30 days of when you received it. Failure to do so will result in a license plate suspension or fines.

How to Carry Proof of Auto Insurance in Illinois

In most cases, Illinois drivers show proof of their auto insurance by keeping their insurance card in their vehicle or wallet. However, in recent years, many car insurers have implemented a mobile phone application that allows policyholders to show proof on your phone. While this may seem convenient, keep in mind that if your phone dies and you are unable to prove your insurance coverage, you will face penalties.

How Lawyers Can Help

The experienced lawyers at Staver Accident Injury Lawyers, P.C. can assist you if you’re in an accident and must show proof of insurance. To increase your chances of obtaining the best possible outcome, call us right after your ticket or arrest.

Call us at (312) 236-2900 to discuss how we may be able to help you.

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(312) 236-2900
(312) 236-2900
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