Mandatory Vehicle Insurance Public Service Facility - Illinois 2025

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New Hampshire, the only state that does not require auto liability insurance, requires drivers to show that they are able to provide sufficient funds in the case of an at-fault accident (i.e., financial responsibility).
Illinois law requires all motor vehicles registered and operated in Illinois to be covered by liability insurance, which covers property damage and injuries you may cause others in a crash. (Trailers are not required to have liability insurance.)
New Hampshire and Virginia are the only states that do not require auto insurance. However, if you choose not to purchase car insurance in these states, you would still be held liable for any property damage or bodily injury caused by their vehicle. Do you live in an at-fault or not-at-fault state?
You are in compliance with the law if you have liability insurance in the following minimum amounts: $25,000 for injury or death of one person in a crash. $50,000 for injury or death of more than one person in a crash. $20,000 for damage to property of another person.
1925 Massachusetts passed the first compulsory automobile insurance legislation. 1925 Connecticut passed the first financial responsibility law for motorists. 1938 Federal Crop Insurance Act created the first federal crop insurance program. 1945 McCarran-Ferguson Act (Public Law 15) was enacted.
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The measure was signed into law in 1988 after 17 years of opposition in the General Assembly, mostly by the insurance industry and some urban legislators. It became effective Jan. 1, 1990.
(a) No person shall operate, register or maintain registration of, and no owner shall permit another person to operate, register or maintain registration of, a motor vehicle designed to be used on a public highway in this State unless the motor vehicle is covered by a liability insurance policy.

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