Illinois Minimum Car Insurance Requirements
Illinois requires all drivers to carry liability insurance: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. This is state law.
Driving without insurance in Illinois results in license suspension, fines up to $1,000, and possible jail time. Your vehicle can also be impounded.
Insurance companies are NOT immigration enforcement. Buying a policy does not report you to ICE.
Can Immigrants Get a License in Illinois?
Illinois does NOT currently issue driver licenses to undocumented immigrants. You must have a valid Social Security Number or ITIN and proof of Illinois residency to apply.
You can get an ITIN from the IRS even without Social Security Number. Visit https://www.irs.gov/individuals/individual-taxpayer-identification-number for details.
If you have a valid foreign license, some Illinois insurers will accept it temporarily while you work toward a state license.
Best Insurance Options for Immigrants in Illinois
Major insurers serving Illinois accept ITIN numbers instead of SSN. State Farm, Allstate, Progressive, and GEICO all write policies for ITIN holders in Illinois.
Rates vary based on driving history, age, and vehicle type. Get quotes from multiple companies to compare. Some insurers offer discounts for good driving records.
You may need an Illinois ID, lease agreement, or utility bill as proof of residency. Have documents ready when you call.
Tips for Immigrant Drivers in Illinois
Chicago has stricter enforcement than rural areas. Always carry proof of insurance in your vehicle—police will ask for it during traffic stops.
Illinois recognizes some foreign licenses temporarily, but getting an Illinois license is your best protection. Work toward obtaining one as soon as your immigration status allows.
If you are in an accident, exchange information but do not admit fault. Your insurer will investigate. Contact your insurance company immediately.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Illinois state minimum |
| Bodily Injury (per accident) | $40,000 | Illinois state minimum |
| Property Damage | $15,000 | Illinois state minimum |
| Uninsured Motorist (BI) | $20,000/$40,000 | Required in Illinois |
| Uninsured Motorist (PD) | $15,000 | Required in Illinois |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN from the IRS instead. Insurance companies accept ITINs. Buying insurance does not report you to ICE—insurance is separate from immigration.
No. Illinois does not issue licenses to undocumented immigrants. You need proof of legal presence. Check the NCSL list for states that do allow it.
Liability only: 25/50/20 (bodily injury per person/per accident, property damage). Collision and comprehensive are optional but required if financed.
State Farm, Allstate, GEICO, Progressive, and Nationwide accept ITINs and foreign documents in Illinois. Call and ask about ITIN policies before applying.
Yes, temporarily. Most insurers accept foreign licenses with an IDP (international driving permit) for up to one year. Then you need an Illinois license.
