Cheap Car Insurance for Teen Drivers in Illinois (2026)

Cheapest car insurance for teens in Illinois

Teen drivers in Illinois pay an average of $165 per month for liability-only car insurance and $324 per month for full coverage. These averages are for individual policies, but it’s often cheaper for teens to stay on their parents’ policy.

The table below shows the average monthly car insurance quotes for teens in Illinois, based on Insurify data.

The below rates in Illinois are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$156	$84
State Farm	$162	$89
Country Financial	$188	$103
Progressive	$223	$117
GEICO	$232	$122
Erie	$235	$129
Safeco	$246	$159
USAA	$251	$137
Mercury	$251	$146
Direct Auto	$257	$126
Root	$265	$168
American Family	$277	$150
Elephant	$295	$171
Clearcover	$311	$160
The General	$311	$120
Liberty Mutual	$317	$197
Certainly	$320	$111
National General	$325	$164
Bristol West	$333	$145
First Chicago	$334	$135
GAINSCO	$369	$139
Freedom National	$382	$175
Travelers	$387	$210
Farmers	$396	$217
Allstate	$410	$224
Mendota	$432	$219
First Acceptance	$460	$189
Dairyland	$471	$170
State Auto	$625	$342

Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.

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Best car insurance companies for teens in Illinois

Some car insurance companies offer better deals for Illinois teens than others. Explore some of the best auto insurance companies for teen drivers in Illinois below.

Auto-Owners: Best for cheap rates for teens in Illinois

cheap rates for teens in Illinois

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User Reviews	4.3 356 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$40/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$74/mo

Details

4.3

Best choice in IllinoisBased on 356 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.7	3.6
Discounts	3.5	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

---

Best in Illinois for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 155 Auto-Owners reviews

Richard

Verified Review

My Experience with Auto-Owners Insurance Company

Reviewed in North Carolina on August 1, 2026

Very easy to deal with.

Sylvester

Verified Review

The experience I had with the office workers was pleasant.

Reviewed in Florida on July 30, 2026

Good. I never had to file a claim.

Mickey

Verified Review

Policy Evaluation

Reviewed in South Carolina on July 24, 2026

It’s expensive, but claims are handled quickly.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners offers some of the cheapest car insurance rates for teen drivers in Illinois. The company boasts above-average customer satisfaction ratings and a highly rated mobile app. It also offers a teen-specific telematics program that rewards safe driving with discounts.

Pros

• Highly rated mobile app

• Telematics program offers potential savings for teens

• Offers good student and student away-at-school discounts

Cons

• Poor Trustpilot rating

• Must finalize quote with an agent

• Can be more expensive for teens than other insurers

State Farm: Best for discount opportunities for teens in Illinois

discount opportunities for teens in Illinois

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User Reviews	4.1 20,276 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$44/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$80/mo

Details

4.1

Best choice in IllinoisBased on 20,276 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best in Illinois for

Customer service

Competitive rates

Discounts for safe drivers

Showing 66 reviews from Illinois driversSee all 7,941 State Farm reviews

Glyn

Verified Review

State Farm Is Terrible

Reviewed in Illinois on August 4, 2026

I had a few comprehensive claims, and now they’re dropping me.

Roberto

Verified Review

Great

Reviewed in Illinois on August 4, 2026

State Farm is very good and a reliable company.

Douglas

Verified Review

State Farm

Reviewed in Illinois on July 28, 2026

Great company with a great agent.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

665

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm offers some of the cheapest car insurance rates for Illinois teens. State Farm also has various discounts to help keep costs manageable, including a good student discount. Plus, the company’s Drive Safe & Save and Steer Clear programs can help lower teens’ premiums for practicing safe driving.

Pros

• Many discounts available

• Affordable rates

• Highly rated mobile app

Cons

• Poor Trustpilot rating

• Gap insurance not available

• More expensive for high-risk drivers

USAA: Best for teens in military families in Illinois

teens in military families in Illinois

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User Reviews	4.9 4,136 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$71/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$130/mo

Details

4.9

Best choice in IllinoisBased on 4,136 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

---

Best in Illinois for

Members of the military community

Outstanding customer service

Competitive rates

Showing 5 reviews from Illinois driversSee all 1,649 USAA reviews

Gary

Verified Review

Look Elsewhere

Reviewed in Illinois on April 29, 2026

Way too expensive for someone of my age (71) who drives about 5 miles per week, if at all. No tickets or accidents in 5 years or more.

Just

Verified Review

Handles car claims very well

Reviewed in Illinois on January 23, 2026

I haven't had any issues when I've needed roadside service. I had a good experience with the one claim I made.

Louis

Verified Review

Everything is great with USAA, especially the customer service, but the price is a bit high.

Reviewed in Illinois on December 14, 2025

Great but the price is a bit high.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

726

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA has some of the best rates for military families with teenage drivers in Illinois. The company’s SafePilot program offers a 30% discount to drivers who demonstrate safe driving habits. If you get a separate policy for your teen, you may qualify for a 10% discount if you also have a USAA policy.

Pros

• Above-average customer satisfaction rating

• Highly rated mobile app

• Many discounts available

Cons

• Available only to military members and their families

• No physical branches in Illinois

• Poor Trustpilot rating

Best car insurance discounts for IL teens

Many auto insurance companies in Illinois offer discounts for teen drivers.^[1] A few of the most common include:

• Safe driver: Many insurers reward safe driving habits with lower rates.

• Good grades: Students who maintain at least a B average usually can qualify for a good student discount.

• Low mileage: You may get a discount if your teen doesn’t drive often.

• Safety devices: Insurers often offer discounts if your vehicle has safety features, like anti-lock brakes and airbags.

• Away at school: If your teen attends school more than 100 miles away from home and doesn’t take a car with them, you may qualify for a discount.

• Multi-vehicle: You can often get a multi-vehicle discount for insuring multiple vehicles on the same policy.

Why is car insurance so expensive for teen drivers in Illinois?

Teens in Illinois pay more for car insurance than older drivers. This is the case for a few reasons, including:

• Experience: Younger drivers have less experience behind the wheel and are more likely to get into an accident. Insurers offset this extra risk by charging teen drivers higher rates.

• Credit: Illinois allows insurers to use credit history when setting rates. Because teens haven’t built a robust credit history yet, they usually pay more for coverage.

• Minimum requirements: The state’s relatively high minimum-coverage level means higher rates for many drivers.

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Liability policies for Illinois teens average $165/mo.

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Illinois car insurance requirements for teen drivers

To legally drive on Illinois roads, all drivers must have a minimum amount of car insurance. If you drive without the appropriate coverage, you could face at least $500 in fines and license plate suspension.^[2]

The table below shows Illinois’ minimum car insurance requirements for all drivers, including teens.

Coverage Type	Minimum Amount	Required or Optional?
Bodily injury liability	$25,000 per person / $50,000 per accident	Required
Property damage liability	$20,000 per accident	Required
Uninsured motorist bodily injury coverage	$25,000 per person / $50,000 per accident	Required
Underinsured motorist bodily injury insurance	$50,000 per accident	Required

Illinois has a graduated license program for teen drivers.^[3] Here’s how it works:

• Permit phase: Teens age 15 or older can obtain a permit with their parents’ consent. Teens must log 50 hours of supervised driving practice with a licensed driver age 21 or older. Teens must have their permit for nine months and complete a state-approved driver education course before moving on to the next phase.

• Initial licensing phase: After the permit phase, teens aged 16 or 17 can apply for a driver’s license. If granted, teens can be on the road without supervision, subject to nighttime restrictions. Teens can’t have any moving violations before moving to the final phase.

• Full licensing phase: Teen drivers aged 18 or 19 can apply for a full license without any restrictions.

Consequences for teens driving without insurance in Illinois

Teens caught driving without car insurance in Illinois face serious penalties. The state may fine you at least $500 and suspend your registration. If you drive with suspended plates, you’ll face a fine of at least $1,000.

How to get cheaper car insurance for teen drivers in Illinois

It’s no secret that car insurance costs are relatively high for teen drivers. The good news is that you can potentially find lower rates using the strategies below.

Ask for discounts

Many car insurance companies offer discounts for teen drivers. Common discounts include good student, safe driver, and student away at school discounts. Some insurers also offer telematics programs that can lower your teen’s rates if they drive safely.

Choose the right vehicle

Some vehicles cost more to insure than others. Typically, higher-value vehicles are more expensive to insure. For example, Insurify data shows that electric vehicles (EVs) and sports cars cost more to insure than minivans and small sedans.

Consider a higher deductible

Raising your deductible will typically lower your insurance premiums. But before increasing it, make sure you can afford the higher out-of-pocket costs if you file a claim.

Shop around

Comparison shopping can help you find significant savings on teen car insurance in Illinois. If possible, get quotes from multiple insurers to find the most affordable option for you.

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Should your teen be on your policy or buy their own?

It’s generally cheaper to add a teen to your insurance than to buy a separate policy. Teens younger than 18 also can’t buy their own policy without written consent from a parent or guardian.

You could save an average of $2,000 per year by adding your teen driver to an existing policy. The table below outlines average car insurance costs for teen drivers in Illinois.

Policy Type	Average Monthly Cost	Average Yearly Cost
Teen on family policy (including two parents)	$621	$7,452
Teen on own policy	$438	$5,256
Cost difference	$183	$2,196

Disclaimer: Table data is based on real-time Illinois quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

As the table shows, it usually makes sense for teens to stay on the family policy. But in some situations, you can’t add your teen to your policy. If they own their own vehicle in their name or don’t live with you, you’ll likely have to buy them a separate policy.

Cheap car insurance for teen drivers in Illinois FAQs