How to Find Liability Insurance in Illinois If No One Will Insure You

Illinois law requires that all state residents who own a motor vehicle have liability insurance. For drivers with bad driving records unable to get insurance through the voluntary insurance market, the state created an assigned risk program called the Illinois Automobile Insurance Plan. This plan requires the participation of all licensed automobile insurers. A nonprofit organization, Auto Insurance Plans Services Office (AIPSO), administers this plan for Illinois.

Things You'll Need

• Driver's license
• Current registration card

Instructions

1. Gather documents required for purchasing automobile insurance. At minimum, you will need a valid driver's license for each insured driver and a current registration card for each vehicle. If you completed a defensive driving class, get a copy of your certificate of completion.

2. Go to the office of an insurance broker licensed to sell automobile insurance by the Illinois Department of Insurance. All brokers and agents license to sell automobile insurance in Illinois are allowed to submit applications to the Illinois Automobile Insurance Plan.

3. Complete the application for the Illinois Automobile Insurance Plan at the broker's office. Based on the information you provide on the application, the broker will calculate your insurance premium. Coverage under the Illinois Insurance Plan will be effective immediately upon you making your first payment.

Tips & Warnings

• Exhaust all possibilities in the standard insurance market first, because rates for the Illinois Insurance Plan are typically higher.

References

• AIPSO: Illinois Automobile Insurance Plan
• AIPSO: Private Passenger Non-Fleet Application
• Illinois Secretary of State: Mandatory Insurance