Illinois requires minimum liability coverage of $25,000 per person, $50,000 per accident for bodily injury, and $20,000 for property damage — plus uninsured motorist coverage at the same bodily injury limits. What the law requires and what actually protects you are two different things. In Chicago, where repair costs, medical bills, and legal exposure routinely exceed minimums, carrying only the state-required limits can leave you personally responsible for the difference. We help drivers find the right coverage level for their actual risk — not just the legal floor.