How much auto insurance is required by law?*
ILLINOIS
Illinois is a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. Illinois auto insurance laws require liability insurance to help fulfill this responsibility.
Illinois auto insurance laws require minimum liability limits of 20/40/15. (That’s $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $15,000 for damage you cause to the other party’s property.)
Illinois auto insurance laws also require that you purchase uninsured motorist bodily injury coverage of at least 20/40 ($20,000 for injuries per person, up to $40,000 total). This policy helps pay your expenses in case you should be struck by a driver with NO insurance or inadequate liability coverage.
Carrying more than the state minimum coverage amounts for each of these policies is strongly recommended.
INDIANA
Indiana, like most other states, is a tort state. This means that you are financially responsible for any injury and damage you cause to others or their property in a car accident that is “your fault”.
Liability insurance covers this type of situation, and it’s the only type of auto insurance required by law. Indiana’s liability minimums are 25/50/25. (That’s $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for any damage that you cause to the other driver’s car and/or property.)
Of course, these are only minimums, and with the high cost of auto accidents today, it’s highly recommended that you purchase more coverage.
WISCONSIN
Wisconsin is considered a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. Wisconsin auto insurance laws require liability insurance to help fulfill this responsibility.
Wisconsin auto insurance regulations require minimum liability limits of 25/50/10. (That’s $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for damage you cause to the other party’s property.)
Wisconsin auto insurance laws also require that you purchase uninsured motorist bodily injury coverage of at least 25/50 ($25,000 for injuries per person, up to $50,000 total). These policies help pay your medical expenses in case you should be struck by a driver with inadequate liability coverage.
However, these are only minimums, and carrying higher levels of both liability and uninsured motorist coverages is strongly recommended.