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%. Illinois’ state EV rebate has repeatedly exhausted its funding; the federal EV tax credit ended September 30, 2025. Verify current availability with the Illinois EPA before purchase. 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
Varies
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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