Driving Without Insurance
625 ILCS 5/3-707 — a fine of more than $500 up to $1,000, and a suspension of 3 months
No one may drive, register or keep registered a motor vehicle on a public highway in Illinois unless it is covered by a liability insurance policy, and no owner may let anyone else do so.
Who handles this in Illinois: Illinois Department of Insurance and Illinois State Bar Association, Illinois Lawyer Finder; and legal aid programs and the state offices, listed in the Illinois directory.
| Conviction | What follows |
|---|---|
| ConvictionDriving uninsured | What followsA petty offense, with a fine of more than $500 and not more than $1,000 |
| ConvictionA third or later conviction | What followsA business offense, with a fine of $1,000 |
| ConvictionAny conviction | What followsThe license suspended for 3 months, and a reinstatement fee of $100 after it |
No one is convicted who produces satisfactory evidence in court that the vehicle was covered by a liability policy at the time of the arrest.
When someone is hurt. Driving uninsured and causing bodily harm to another person is a Class A misdemeanor, and after 2 or more earlier violations a fine of $2,500 is imposed on top of any jail sentence.
Sources for this section (2)
- 625 ILCS 5/7-601 — Required liability insurance policy
- 625 ILCS 5/3-707 — Operation of uninsured motor vehicle - penalty
Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Illinois attorney.