Teen Driver Insurance in Illinois: Parent 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
Minimum Coverage Requirements in Illinois
Teen drivers in Illinois progress through a graduated licensing system that begins with a learner's permit at age 15, an intermediate license with passenger and nighttime restrictions at age 16, and full licensing at age 18 after completing 12 months restriction-free. Illinois law mandates that all insurers offer a good student discount to drivers under 25 who maintain a B average or better, making it one of the few states where this discount is a legal requirement rather than a carrier option.
Liability Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in Illinois
$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
Cover Your New Driver for Less
Compare Teen Driver Insurance 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
Coverage Types
Liability Insurance
Pays for injuries and property damage the teen driver causes to others. Illinois requires 25/50/20, but most agents recommend at least 100/300/50 for parents adding a teen driver to protect family assets.
Collision Coverage
Pays to repair or replace the teen's vehicle after an at-fault accident. Required by lenders if the vehicle is financed; optional if the vehicle is paid off.
Comprehensive Coverage
Pays for non-collision damage like theft, vandalism, hail, and animal strikes. Required by lenders if the vehicle is financed.
Uninsured/Underinsured Motorist Coverage
Pays for injuries to you and your teen if hit by a driver with no insurance or inadequate coverage. Illinois requires UM/UIM matching your liability limits unless you reject it in writing.
Good Student Discount
Reduces premiums for teen drivers who maintain a B average or better. Illinois law requires all insurers to offer this discount, making it one of the most accessible cost-reduction tools for parents.
Telematics Programs
Usage-based insurance programs that monitor driving behavior via smartphone app or plug-in device. Safe driving — measured by braking, speed, mileage, and time-of-day — earns discounts.