Teen Driver Insurance in Illinois: Parent & New Driver Guide
Illinois requires 25/50/20 liability coverage and is an at-fault state.
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Illinois at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Teen drivers in Illinois progress through a graduated licensing system: learner's permit at 15, intermediate license at 16 (with passenger and nighttime restrictions), and full license at 18 after completing six months restriction-free. Illinois law mandates that all insurers offer a good student discount to teen drivers who maintain a B average or equivalent, making this one of the few states where the discount is legally required rather than carrier-optional.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Collision Coverage
Comprehensive Coverage
Cost Overview
$242–$489/mo
Typical monthly rate in Illinois, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Parents must provide report cards or transcripts to qualify.
- Illinois requires 30 hours of classroom instruction and 6 hours of behind-the-wheel training for teens under 18.
- Particularly valuable in Illinois where graduated licensing already restricts nighttime driving for 16–17-year-olds.
- Older vehicles with lower market values reduce collision and comprehensive premiums significantly.
- The parent's claims history, multi-car discount, and policy tenure create substantial savings.
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules for new drivers
Night driving
10pm Sun-Thu / 11pm Fri-Sat to 6am
Passengers
no more than 1 passenger younger than 20 for 12 months
Source: IIHS and IL SOS, verified July 2026
Frequently Asked Questions
What are the graduated licensing restrictions for teen drivers in Illinois?
Illinois issues learner's permits at age 15, intermediate licenses at 16 (after completing driver education and holding a permit for 9 months), and full licenses at 18. Intermediate license holders age 16–17 cannot drive with more than one passenger under 20 (except family members) and face nighttime restrictions: no driving after 10 p.m. Sunday–Thursday or 11 p.m. Friday–Saturday, with exceptions for work, school, or emergencies. These restrictions lift automatically at age 18.
Coverage Types
Liability Insurance (Beyond State Minimums)
Illinois's 25/50/20 minimums are often inadequate when a teen driver causes a serious accident. Increasing to 100/300/100 typically adds $15–$40/month but protects parent assets from lawsuit exposure.
Collision Coverage (Vehicle Damage)
Pays to repair your teen's car after an at-fault accident. For parents whose teen drives a vehicle worth less than $3,000–$4,000, the annual premium often exceeds the car's value.
Comprehensive Coverage (Theft, Weather, Animals)
Covers non-collision damage like deer strikes, hail, and theft. Illinois teen drivers frequently file deer-related claims on rural highways and storm damage claims during severe weather season.
Uninsured Motorist Coverage
Mandatory in Illinois at minimum 25/50 limits. Protects your teen if hit by one of the estimated 15% of Illinois drivers who carry no insurance.
Medical Payments Coverage
Optional coverage that pays medical bills for you and your passengers after an accident, regardless of fault. Covers expenses up to the policy limit without deductible.
Full Coverage (Comprehensive + Collision + Liability)
Combines liability, collision, and comprehensive for complete protection. Required by lenders if the teen's vehicle is financed or leased.