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Levels of Auto Insurance

Fortunately, it is possible to buy higher limits of coverage from Illinois auto insurance companies. For example, you can buy higher limits of bodily injury and property damage liability. Illinois insurance companies generally offer the following liability limits:

  • Bodily Injury liability: $50,000/person, $100,000/accident; $100,000/person, $300,000/accident; $250,000/person, $500,000/accident.
  • Property Damage liability: $25,000/accident; $50,000/accident; $100,000/accident.


Often, the cost for increased coverage is negligible compared to the amount of coverage you get. It's definitely important to have the right amount of insurance coverage, so call your insurance company to make sure that you are adequately insured.

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