Illinois High Risk Auto Insurance
Illinois insurance laws require motor vehicles to be insured with at least a minimum of $20,000 bodily injury coverage per person and $40,000 per accident. Property damage liability is required at a minimum of $15,000.
Large Companies Can Provide High Risk Coverage
There are many different insurance carriers licensed in the state of Illinois. Some of the ones more likely to offer high risk auto insurance include companies like Direct, Progressive, Geico, and Hartford. High Risk Auto Insurance FAQ
What Qualifies you as High Risk?
High risk auto insurance rates apply to anyone with one or more accidents on his/her driving record or moving violations such as speeding or reckless driving. It only takes one occurrence to cause insurers to raise rates in most cases.
Necessary Coverage is Randomly Checked
Illinois has a random sampling system to check drivers' coverage. If the state draws your name to verify insurance, they will mail out a form that must be filled out by you and your insurer, and sent back to the DMV with a current insurance ID card or other valid proof that your vehicle is covered with the minimum or better coverage.
Anyone caught without insurance may have receive a citation. If a citation is received and a valid card can be produced later, the citation may be revoked. However, the penalty for driving without insurance may require a license plate suspension and a $500 fine and $100 reinstatement fee for the vehicle registration. In this event, you can be assured to need high risk auto insurance coverage.