Illinois Driving Permit Practice Test 2026 - Free Driving Permit Practice Questions and Study Guide

In Illinois, liability insurance is mandatory for all drivers. This type of insurance provides coverage for damages and injuries that you may cause to other people or their property while operating your vehicle. The requirement ensures that drivers can compensate others for costs associated with accidents, promoting financial responsibility on the roads.

Liability insurance typically includes two components: bodily injury liability, which covers medical expenses for injuries to others; and property damage liability, which covers repairs or replacement of other people's property that you might damage in an accident. By requiring this insurance, Illinois aims to protect both drivers and victims in the event of an accident.

While health insurance is important for medical needs, it is not required for drivers. Auto theft and comprehensive insurance, though valuable, are optional and not mandated by state law. These types of coverage address specific risks and are not a substitute for the essential liability coverage that all drivers must have.