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California vs Illinois
Bottom line
Illinois requires more property-damage coverage than California ($20,000 vs $15,000). Both require an SR-22 filing for certain violations. California generally has lower license-reinstatement costs.
✓ Official government sources
✓ Last verified June 2026
✓ 36 fields reviewed
✓ Source links on every value
Important differences between California and Illinois
The differences drivers should know.
Bodily injury / person
California$30,000
Illinois$25,000
→ California requires higher bodily-injury coverage.
Bodily injury / accident
California$60,000
Illinois$50,000
→ California requires higher bodily-injury coverage.
Property damage
California$15,000
Illinois$20,000
→ Illinois requires more property-damage coverage.
UM/UIM requirement
California30/60
IllinoisUninsured Motorist bodily injury (UM) is mandatory in Illinois at minimum 25/50, mirroring the…
Filing duration
California3 years of continuous SR-22 filing
Illinois3 years
Clock starts from
CaliforniaSuspension/reinstatement-based
IllinoisFrom the reinstatement date. The SR-22 must be on file before driving privileges are reinstated and is…
Non-owner SR-22
CaliforniaYes
IllinoisYes — an Operator's Certificate covers the motorist in any non-owned vehicle and is the form filed when…
SR-22 filing fee
California~$15-25 (charged by the insurer, not the DMV)
Illinois~$15-50 (charged by the insurer, not the SOS)
License reinstatement
California$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
IllinoisScenario-dependent (SOS Driver Services fee table): $70 — discretionary/traffic-related suspension,…
→ California costs less to reinstate.
Registration reinstatement
California$14 (separate fee, for a no-insurance registration suspension)
Illinois$100, paid online at ILIVS.com, to lift a license-plate/registration suspension from an…
→ California costs less to reinstate.
No-insurance, first offense
California$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh.…
IllinoisMinimum $500 fine for driving uninsured (on a traffic-stop/crash conviction), plus license-plate…
No-insurance, repeat offense
California$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction…
IllinoisMinimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous…
DUI suspension
CaliforniaAPS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke.…
Illinoistwo tracks. (A) Statutory Summary Suspension — administrative/implied-consent (11-501.1, durations per…
DUI fine range
California$390-$1,000 (first offense, VC 23536)
Illinois625 ILCS 5/11-501: 1st = Class A misdemeanor (up to 364 days and up to $2,500); BAC >=0.16 adds a…
Driving while suspended
CaliforniaMisdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000.…
Illinois625 ILCS 5/6-303: base 1st violation = Class A misdemeanor (up to 364 days / up to $2,500), unless a…
CDL consequence
CaliforniaMust downgrade to a Class C license to obtain a restricted license. If not operating a commercial…
Illinois625 ILCS 5/6-514: a first major violation = disqualification for not less than 12 months (refusal of…
Recent law changes
Changes verified from official state sources.
California2025-01-01 — minimums raised to 30/60/15 (SB 1107).
IllinoisMinimum liability limits last changed effective January 1, 2015 (raised to 25/50/20 by the 98th General Assembly). The DUI/implied-consent statute…
Full comparison
Every compared field, with the official source on each value.
Coverage
Bodily injury / person
Bodily injury / accident
Property damage
UM/UIM requirement
Illinois
Uninsured Motorist bodily injury (UM) is mandatory in Illinois at minimum 25/50, mirroring the liability BI limits (215 ILCS 5/143a). Underinsured…
Official source ↗Full details
Uninsured Motorist bodily injury (UM) is mandatory in Illinois at minimum 25/50, mirroring the liability BI limits (215 ILCS 5/143a). Underinsured Motorist bodily injury (UIM, 215 ILCS 5/143a-2) is required only if the insured buys UM limits above the 25/50 minimum; at minimum limits it is not separately required. UM/UIM limits may not exceed the liability limits. UMPD (uninsured-motorist property damage) must be offered at a maximum $250 deductible. Illinois mandates UM, which fewer than half of states do.
SR-22 / FR-44
SR-22 required same
FR-44 required same
Filing duration
Clock starts from
Illinois
From the reinstatement date. The SR-22 must be on file before driving privileges are reinstated and is maintained 3 years from that point; a coverage…
Official source ↗Full details
From the reinstatement date. The SR-22 must be on file before driving privileges are reinstated and is maintained 3 years from that point; a coverage lapse (SR-26) re-suspends and restarts the 3 years.
Non-owner SR-22
Illinois
Yes — an Operator's Certificate covers the motorist in any non-owned vehicle and is the form filed when the person does not own a vehicle. (Owner's…
Official source ↗Full details
Yes — an Operator's Certificate covers the motorist in any non-owned vehicle and is the form filed when the person does not own a vehicle. (Owner's Certificate covers owned vehicles and is required to obtain/retain plates; an Owner's/Operator's Certificate covers both.)
Costs
SR-22 filing fee
License reinstatement
California
$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
Official source ↗Illinois
Scenario-dependent (SOS Driver Services fee table): $70 — discretionary/traffic-related suspension, failure to appear, family responsibility (child…
Official source ↗Full details
Scenario-dependent (SOS Driver Services fee table): $70 — discretionary/traffic-related suspension, failure to appear, family responsibility (child support), Safety Responsibility (uninsured-accident administrative), unsatisfied judgment, Zero Tolerance (under-21), parking/tollway/automated-traffic; $100 — mandatory-insurance-conviction driver's-license suspension (separate from the $100 license-plate fee; both can be owed), solicitation of towing; $250 — Statutory Summary Suspension (DUI/implied consent) first offense, Field Sobriety first; $500 — SSS multiple/subsequent, Field Sobriety multiple, and Revocations (DUI conviction). The $250/$500 SSS and revocation fees may only be paid to the Springfield office.
Registration reinstatement
Illinois
$100, paid online at ILIVS.com, to lift a license-plate/registration suspension from an insurance-verification failure (separate from the $100…
Official source ↗Full details
$100, paid online at ILIVS.com, to lift a license-plate/registration suspension from an insurance-verification failure (separate from the $100 driver's-license mandatory-insurance fee — both can be owed). Repeat offenders serve a 4-month plate suspension before the $100 reinstatement.
Penalties
No-insurance, first offense
California
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence…
Official source ↗Full details
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence of financial responsibility (16028(a)). The court may impound the vehicle and order coverage maintained for at least one year.
Illinois
Minimum $500 fine for driving uninsured (on a traffic-stop/crash conviction), plus license-plate suspension. The registration side is enforced…
Official source ↗Full details
Minimum $500 fine for driving uninsured (on a traffic-stop/crash conviction), plus license-plate suspension. The registration side is enforced through ILIVS: a failed second verification -> registration suspension, lifted by obtaining coverage and paying $100 at ILIVS.com.
No-insurance, repeat offense
California
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same…
Official source ↗Full details
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same penalty-assessment multiplier as the first-offense fine; the court may also impound the vehicle.
Illinois
Minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation. Repeat ILIVS offenders also…
Official source ↗Full details
Minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation. Repeat ILIVS offenders also serve a 4-month plate suspension before the $100 reinstatement.
DUI suspension
California
APS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke. 30-day temp license after arrest.
Official source ↗Illinois
two tracks. (A) Statutory Summary Suspension — administrative/implied-consent (11-501.1, durations per 6-208.1), effective on the 46th day after…
Official source ↗Full details
two tracks. (A) Statutory Summary Suspension — administrative/implied-consent (11-501.1, durations per 6-208.1), effective on the 46th day after notice: first offender 6 months (failed test >=0.08 / drugs / THC >=5 ng) or 12 months (refusal); non-first-offender 12 months (fail) or 36 months (refusal). Under-21 Zero Tolerance: 3 or 12 months (BAC >0.00) / 6 or 24 months (refusal). (B) DUI conviction revocation — indefinite, with minimum eligibility: 1st = 1 year, 2nd within a 20-year period = 5 years, 3rd = 10 years, 4th+ = lifetime. If under 21 at conviction: 1st = 2 years, 2nd = 5 years or until the 21st birthday (whichever is longer), 3rd = 10 years, 4th+ = lifetime. Revocation reinstatement is hearing-gated (informal for 1st, formal for multiple).
DUI fine range
Illinois
625 ILCS 5/11-501: 1st = Class A misdemeanor (up to 364 days and up to $2,500); BAC >=0.16 adds a mandatory 100 hours community service + $500 min…
Official source ↗Full details
625 ILCS 5/11-501: 1st = Class A misdemeanor (up to 364 days and up to $2,500); BAC >=0.16 adds a mandatory 100 hours community service + $500 min fine; transporting a child <16 adds up to 6 months + $1,000 min + 25 days CS. 2nd = mandatory minimum 5 days jail or 240 hours CS; BAC >=0.16 adds 2 days + $1,250 min. 3rd = Aggravated DUI, Class 2 felony (BAC >=0.16 adds 90 days + $2,500 min; child <16 adds $25,000). 4th = Class 2 felony, no probation (>=0.16 -> $5,000 min). 5th = Class 1 felony. 6th+ = Class X felony. Aggravated DUI (3rd+, school bus, great bodily harm, no license, no insurance, etc.) is a Class 4 felony floor; DUI causing death = Class 2 felony, 3-14 years (one death) or 6-28 years (two or more).
Driving while suspended
California
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months…
Official source ↗Full details
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months + $300-$1,000. DUI-related: VC 14601.2.
Illinois
625 ILCS 5/6-303: base 1st violation = Class A misdemeanor (up to 364 days / up to $2,500), unless a valid MDDP/RDP/probationary/JDP permit applies.…
Official source ↗Full details
625 ILCS 5/6-303: base 1st violation = Class A misdemeanor (up to 364 days / up to $2,500), unless a valid MDDP/RDP/probationary/JDP permit applies. If the underlying suspension/revocation was for DUI (11-501), leaving-the-scene-with-injury (11-401(b)), or a Statutory Summary Suspension (11-501.1): mandatory minimum 10 days jail or 30 days community service (non-suspendable). 2nd (DUI-related) = Class 4 felony, min 30 days or 300 hrs CS; 3rd = Class 4 felony, min 30 days; 4th-9th = Class 4 felony, min 180 days; 10th-14th = Class 3 felony; 15th+ = Class 2 felony. A reckless-homicide / DUI-death revocation underlies a harsher track escalating to Class 1/Class 2 felony and lifetime revocation. Driving on a revoked license also bars license issuance for +1 year from conviction. Collateral: 4th conviction -> plate seizure/vehicle immobilization; driving suspended AND uninsured (7-601) -> immediate impoundment; DUI-related -> vehicle seizure/forfeiture.
CDL
CDL consequence
California
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue…
Official source ↗Full details
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue fee applies after a 30-day suspension. A DUI in a commercial vehicle triggers a 1-year CDL disqualification under federal rules.
Illinois
625 ILCS 5/6-514: a first major violation = disqualification for not less than 12 months (refusal of testing; BAC >=0.04 in a CMV, or over the…
Official source ↗Full details
625 ILCS 5/6-514: a first major violation = disqualification for not less than 12 months (refusal of testing; BAC >=0.04 in a CMV, or over the non-CMV limit while holding a CDL/CLP; DUI; leaving the scene; any felony using a vehicle; driving a CMV while disqualified; a fatality by negligent operation). note FOR THE audience: a DUI in a personal/non-commercial vehicle disqualifies the CDL — (a)(2)/(a)(3)(i) explicitly reach a CDL/CLP holder driving a non-CMV. 3 years if the violation occurred while transporting placarded hazmat. A second such offense (separate incidents) = lifetime disqualification (reducible to not less than 10 years if the US DOT authorizes; a later disqualifying offense after reinstatement = permanent). A controlled-substance felony using a vehicle, or a severe-human-trafficking felony with a CMV = lifetime, no reduction. 2 serious traffic violations in 3 years = 60 days; 3 = 120 days. Out-of-service/6-507 ladders (6 mo / 2 yr / 3 yr and 1 yr / 3 yr / 5 yr). Railroad-grade-crossing = 60 / 120 days / 1 year. CDL alcohol threshold is 0.04 (half the 0.08 standard). Disqualifications apply only to conduct after March 31, 1992.