Getting caught in an unexpected snowstorm while driving to your favorite deep-dish pizza joint is quite common in Illinois – which is why having good car insurance is a must.
Failure to have proper car insurance may result in a suspension of your driver’s license, or worse.
Illinois penalties for driving without car insurance include fines and license suspension. To make sure all drivers are in compliance with the law, enforcement is accomplished through a random questionnaire sampling process and the issuance of traffic tickets.
If the computer randomly selects your vehicle, you will receive a questionnaire asking for the name of your auto insurance company and policy number. If you do not have auto insurance or fail to return the questionnaire with the requested information, your license plates will be suspended.
If you are stopped for a traffic violation or involved in an accident, a law enforcement officer may issue a traffic citation if you are unable to provide proof of insurance. If convicted, your license plates will be suspended, and you will face the following fines:
According to the Illinois Division of Motor Vehicles, Illinois‘s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Illinois vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:
According to the Illinois Secretary of State’s office, all vehicle owners are required to comply with the mandatory insurance law and maintain the following minimum auto insurance limits for their vehicles:
Be sure to always have your insurance card in your vehicle and be prepared to show it to a law enforcement officer upon request.
In the state of Illinois, driving under the influence (DUI) is a serious offense that is classified as a violent crime. If you are convicted of a DUI, the offense will permanently remain on your driving record. If you are arrested and/or convicted, you may lose your driving privileges and vehicle registration, pay fines ranging from $500 to $25,000 or face imprisonment. When driving in Illinois, you automatically consent to submit to certain tests under the Implied Consent Law. These can include breath, blood and/or urine tests to determine if you were drinking or using any other drug or intoxicating compound before or while driving.
Below are some of the penalties for an Illinois DUI:
Illinois drivers over the age of 21 are considered driving under the influence if their Blood Alcohol Content (BAC) is above 0.08. A person convicted of DUI with a BAC of .16 percent or more, or DUI while transporting a child under age 16, is subject to enhanced penalties, including additional fines, community service and jail time.
For more information of Illinois’s DUI/DWI laws and penalties, check out the 2019Illinois DUI Fact Book.
Illinois’s texting while driving law prohibits sending or reading text messages while driving. This law applies to all drivers of all ages. The Illinois cell phone driving law prohibits the use of cellphones in construction/road maintenance zones and school zones. Local municipalities may govern whether hands-free or hand-held cellphone use is permitted, regardless of the location or the driver’s age. Fines can range from $75 for a first offense to $150 for subsequent offenses.Illinois drivers are only allowed to text message if they are:
Illinois SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the DMV, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of Illinois for drivers that are required to keep and show valid auto liability insurance.
More information on additional costs and frequently asked questions for purchasing a new policy can be found on our commonly asked questions page.