Last updated: November 2023

Aurora, IL Auto Insurance

Living in the “City of Lights” gives residents access to plenty of recreational activities and a smaller city feel while still being part of the Chicago Metropolitan Area. But whether you’re making the short drive to your favorite coffee shop or commuting to work in the city, affordable auto insurance coverage can help protect you and your car on every journey.

Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for great cheap car insurance in Aurora, IL, call Direct Auto1.

Aurora, IL Minimum Car Insurance Requirements

Illinois auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Illinois are 25/50/20, and they help pay for bodily injury and property damage claims after an accident that is primarily your fault. In addition to liability coverage, Illinois drivers must also carry uninsured/underinsured motorist (UM/UIM) bodily injury coverage.

If you’re still confused what your insurance policy must include, please refer to the chart below.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $20,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM can also help pay for property damage.

Yes. $25,000 UM/UIM bodily injury per person/$50,000 UM/UIM bodily injury per accident.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

1Your lender may require this coverage if you lease or finance your vehicle.

Aurora, IL Proof of Financial Responsibility & Penalties

What happens if you don’t meet all of Illinois’ minimum car insurance requirements? Nothing good!

The penalty for failure to comply with Illinois' Financial Responsibility Requirements regarding insurance could lead to…

  • Minimum $500 fine for driving uninsured
  • Minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation
  • First Offense: $100 reinstatement fee when current evidence of insurance is provided
  • Repeat Offenders: Required to serve a four (4) month suspension period, pay the $100 reinstatement fee, and provide current evidence of insurance before being eligible for reinstatement

SR-22 Insurance in Aurora, IL  

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might be required to fulfill SR-22 requirements if:

If you need an SR22 filed to demonstrate financial responsibility compliance in Illinois or have questions about the penalties for non-compliance, we’d be happy to help. Direct Auto specializes in helping drivers find affordable car insurance coverage, regardless of their driving or insurance history. Give us a call today for a free quote.

Illinois Regional Auto Insurance

Depending on where you live, you might have specific wishes or “must-haves” for your car insurance policy. After all, someone who lives and drives in the Chicago area might feel like they need more coverage than someone who lives in a small town with little traffic. But no matter what city you call home in Illinois, we’re here to help you get covered.

Chicago, IL, Auto Insurance

Joliet, IL, Auto Insurance

Naperville, IL, Auto Insurance

Rockford, IL, Auto Insurance

Other Illinois Auto Insurance Resources

Get Covered with Direct Auto Insurance!

Have a question for us at Direct Auto? Need to start a policy? Just want to talk? Call us at 1-877-GO-DIRECT or visit our website. For common questions, you can also consult our FAQs page.

1The National General Group, Winston-Salem, NC which includes Direct General Insurance Agency, Inc. d/b/a Direct Auto Insurance, Direct General Insurance Company (NAIC# 42781), Direct National Insurance Company (NAIC$ 23736), and its “Direct Auto Insurance” brand is not related to or affiliated with Direct Auto Insurance Company (NAIC# 12721), headquartered in Chicago, IL

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