IL
Illinois Vehicle Cost Guide 2026
Illinois has a 6.25% state sales tax on vehicle purchases. Chicago adds 2.25% local tax (total 8.5%). Other counties add 0-2.25%. The state offers a $4,000 tax credit for qualifying new electric vehicles purchased through 2026. Illinois requires annual emissions inspections for vehicles in the Chicago metropolitan area. No-fault insurance is not mandatory.
State Sales Tax
6.25%
Vehicle purchases
Avg. Annual Insurance
$1,390
Full coverage
EV Tax Credit
$4,000
State-level
Registration Fee
$151
Annual
DMV / Registration Fees
| Title Transfer | $95 |
| License Plate Fee | $39 |
| Registration (Base) | $151 |
Insurance Requirements
No-Fault State: No
Inspection Required: Yes
Minimum Coverage:
Bodily Injury: $25,000 per person / $50,000 per accident
Property Damage: $20,000
Uninsured Motorist: $25,000/$50,000
County Tax Rates
Cook2.25%
DuPage1.75%
Will1.50%
Madison1.50%
St. Clair1.25%
Total vehicle sales tax = state rate + county rate
Calculate Your Costs
Use our auto loan calculator with Illinois tax rates to estimate your total vehicle costs.
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