Coverage limits

The Illinois Vehicle Code has minimum coverage limits for drivers in the State. These limits affect the policyholder’s premium; the bigger the coverage, the higher the premium. Consequently, optional coverage you add on top of your primary policy will cost you more.

For an overview: liability coverage, the main type of insurance, is divided into Bodily Injury (BI) and Property Damage (PD). Bodily Injury’s minimum requirement is at $25,000 per person or $50,000 per accident. Property Damage, on the other hand, is at least $20,000. In a survey conducted involving four auto insurance carriers, the cheapest minimum liability coverage cost $878 annually in the State of Illinois.

Get to know more about Illinois auto insurance requirements to know more about your coverage limits. Aside from knowing the State’s requirements, make sure to check helpful tips in securing your auto insurance policy.

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