Illinois Casualty Insurance State Practice Exam 2026 – Complete All-in-One Guide to Exam Success

The minimum limits of liability for auto insurance in Illinois are set to ensure that drivers have a basic level of financial responsibility in the event of an accident. The correct answer reflects the state's legal requirements for bodily injury and property damage coverage.

In Illinois, the minimum required liability coverage is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage. This means that if a driver is at fault in an accident, their insurance can cover up to $25,000 for injuries to one person, up to $50,000 total for all injuries in one accident, and up to $20,000 for damage to someone else's property.

This structure is designed to protect victims of auto accidents and provide a means for compensation in cases of personal injury or property damage. Understanding these limits is crucial for residents and ensures that all drivers maintain a level of coverage that meets the state's statutory requirements.