Illinois Auto Insurance for First-Time Drivers
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
Illinois operates under a traditional tort liability system, meaning the at-fault driver is responsible for damages after an accident. The state requires all drivers to carry proof of insurance, and officers can verify coverage electronically during traffic stops.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Illinois
$325/mo
Typical monthly rate in Illinois, new drivers
Rate data: Insurify, 2026
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules 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
Liability insurance is the foundation of your policy — it pays for harm you cause to others in an accident, including their medical bills, lost income, vehicle repairs, and legal claims. Illinois requires 25/50/20 minimums, but these limits are easily exceeded in real-world accidents.
Full Coverage
Full coverage combines liability, collision, and comprehensive insurance into one package that protects both you and your vehicle. Collision covers damage to your car in an accident you cause; comprehensive covers theft, vandalism, hail, and hitting a deer.
Comprehensive Coverage
Comprehensive covers damage to your car from non-collision events: theft, broken windows, hail, flooding, fire, and animal strikes. You choose a deductible (typically $500 or $1,000), which is what you pay out-of-pocket before the insurer covers the rest.
Collision Coverage
Collision insurance pays to repair or replace your vehicle after an accident you cause, regardless of fault. This is separate from liability, which only covers the other driver's car — collision covers yours.
Uninsured Motorist Coverage
Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you when the at-fault driver has no insurance or not enough coverage to pay for your injuries and vehicle damage. Illinois requires insurers to offer this, but you can decline it in writing.