Car insurance for a 16-year-old in Illinois costs $3,145 per year, on average—or about $262 per month. Car insurance for teenagers is far more expensive than coverage for older, more experienced drivers due to teenagers’ proclivity for risky driving and relative inexperience behind the wheel.
The cheapest car insurance company for 16-year-olds in Illinois is Erie, which charges an average of $1,079 per year. But you may be able to find an even cheaper option for you personally by comparing multiple companies.
Cheapest Car Insurance for 16-Year-Olds in Illinois
Note: Rates are an approximation based on a 16-year old driver with minimum coverage in Illinois. Actual rates will vary.
You can also lower premiums for teenage drivers by seeking out car insurance discounts. Some of the insurance discounts available from companies in Illinois include good student, good driver, and anti-theft discounts.
If the cost of car insurance for a 16-year-old is still too high, you might want to consider adding them to an existing policy. While adding a teen to a family policy will raise everyone’s rates a little, it will be nowhere near as expensive as purchasing the policy separately.
If you are in the market for a policy and want to start your search, you can begin by checking out WalletHub’s guides to the best car insurance for teens and the cheapest car insurance for teens.
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