Illinois law requires you to have insurance before you drive. After you pay for your policy, your insurance company will send you an insurance card that you should keep in your vehicle. If you get caught driving without insurance, you face a fine and suspension of your license plates. Before you drive any one's car, be sure there's an insurance identification card. You can be penalized for driving without insurance in any vehicle.

The information that the Illinois Department of Insurance gives to teen follows. The easiest, and probably cheapest, way to get insurance is to be added on your parents' policy. They can either add you to their vehicle, or if you have your own vehicle (and your parent's name is on the title of your car), they can add your vehicle to their policy. In either case, your parents' rates will increase, so options and costs may need to be discussed.

Now to find out if there is a specific state law that requires you to have coverage on your son, you can check with the IL DOI. Even if there is not a state law typically insurance companies have their own guidelines that require all licensed household members to be listed on the policy.