Car Insurance Requirements in Illinois
Illinois law requires all drivers to carry minimum liability coverage. Here's what you need to know:
Required Coverage
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $20,000 per accident
- Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
- Uninsured Motorist Property Damage: $15,000 per accident with a $250 deductible (can be rejected in writing)
Why OCHO is Better in Illinois
OCHO offers convenient, customer-first solutions designed with your needs in mind. Here’s what sets us apart from the rest:
- $0 Down Payment Options: Get covered today without a large upfront cost
- Flexible Payment Plans: Pay when you get paid—no more stress about inconvenient due dates.
- Instant Coverage: Get your insurance card immediately
- Build Credit: On-time payments can help improve your credit score*
- Extra Time to Pay: Need a bit more time? We offer up to 15 days of flexibility without penalties.
The Easy Way to Get Insured: OCHO’s Low Upfront Costs
Buying car insurance in Illinois can be expensive, especially when a high down payment stands in the way of getting covered. That’s why OCHO has worked hard to make insurance more accessible for everyone. Even if you don’t qualify for $0 down, we still reduce the upfront cost significantly compared to buying directly from the insurance company, saving you a massive $700 on average in upfront costs. Our mission is to ensure you can get the coverage you need without straining your wallet, offering lower down payments so you can protect what matters most without unnecessary financial stress.

Illinois Auto Insurance Facts
- Illinois' average car insurance cost is about $1,982 annually (2024 data)
- The state randomly verifies insurance coverage through the Illinois Insurance Verification System
- Driving without insurance can result in license plate suspension and minimum $500 fines
- Illinois has a graduated driver licensing program for teen drivers
Smart Coverage Options for Illinois Drivers
Basic Coverage
- Liability Insurance (Required)
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
Full Coverage
- Collision Coverage
- Comprehensive Coverage
- Rental Car Coverage
- Roadside Assistance
Important Illinois Insurance Laws to Know
Random Insurance Verification
- State randomly selects drivers to verify insurance coverage
- Must respond within 30 days of receiving verification notice
- Failure to respond or verify coverage can result in license plate suspension
Scott's Law (Move Over Law)
- Requires drivers to slow down and move over for stopped emergency vehicles
- Applies to all vehicles with flashing lights, including construction vehicles
- Violations can result in fines up to $10,000 and license suspension
Graduated Driver Licensing
- Three-phase program for teen drivers
- Requires 50 hours of supervised driving, including 10 at night
- Restricts night driving and number of passengers for new teen drivers
Understanding Illinois Auto Insurance Landscape
Metropolitan Chicago
- Heavy traffic patterns
- Higher accident rates
- Increased risk of theft and vandalism
- Complex commuting routes
Central Illinois (Springfield, Peoria)
- Moderate traffic density
- Seasonal weather challenges
- Mixed urban and rural driving conditions
Southern Illinois
- Rural road considerations
- Wildlife collision risks
- Weather-related driving hazards
Getting Started with OCHO is Easy
1. Download Our App
While you can apply using our web application, we highly recommend downloading the OCHO app (Apple or Android). It makes managing your insurance effortless—right from your phone. Once you’re insured, you can use the app to do things like request more time to pay with just a tap, view your policy details, and handle payments with ease.
2. Enter Your Info
Simply provide a few details, and we’ll take care of the rest. Our streamlined process ensures you get accurate quotes without the hassle of long forms or unnecessary steps.
3. Get Covered
Once you’ve selected your plan, you’ll receive instant proof of insurance, so you can hit the road with confidence. No waiting, no stress, just coverage when you need it.