Illinois vs Ohio

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.

Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained through the reinstatement and runs with the court suspension term (OVI suspensions range 1 yr to 12 yrs depending on offense count, §4511.19).

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.

FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues past reinstatement.

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.)

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.

Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by §4511.191(F)(2) (commonly ~$475, higher for repeat offenses).

$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.

The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry their own reinstatement.

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.

Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40 reinstatement. Driving during an FRA suspension (§4510.16) is an unclassified misdemeanor, fine up to $1,000.

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.

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).

OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two suspension (3 years to life). Limited driving privileges and IID/unlimited-privileges options available per §4510.13 / §4510.022.

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).

OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum jail/intervention escalates with each offense.

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.

Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under FRA suspension (§4510.16): unclassified misdemeanor, fine up to $1,000. General driving-under-suspension (§4510.11): M1. Driving under a 12-point suspension (§4510.037): M1, minimum 3-day jail (non-suspendable).

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.

An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd) (§4506.16(D)). Disqualification is 3 years if hauling hazmat at the time. Per §4506.16(F), the offense counts even when committed in a personal (non-commercial) vehicle if it occurred after the person obtained the CDL or on/after 9/30/2005. A test refusal also = immediate 24-hour out-of-service (§4506.17). Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days.