The purpose of this study was to investigate the effects of garment design, fabric type and the presence of lining on the thermal insulation value $(I_{cle};and;I{cl})$ and clothing area factor $(f_{cl})$ of skirts. A standing, electrically heated thermal maninkin was used to measure the insultation value of eighty skirts-five skirt styles with eight different fabrics, with and without lining. The air temperature of the chamber was set at $22.2^{circ}C{pm}0.5^{circ}C$ , air velocity was limited to less than 0.1 m/s, and relative humidity was approximately $50\%$. The results are as follows: 1) The Ic, values of gathered skirt and flared skirt, which had high $f_{cl}$ values, were significantly higher than those of other skirts, though the highest $I_{cle}$ value among five styles wer pegged skirt. 2) Insulation values of various skirts were more relevant with physical properties such as thickness, air permeability, and thermal transmission of the materials rather than fiber content. 3) The addition of lining made significant difference in the insulation values of skirts and the differences of gathered and flared skirt were significantly higher than those of othere types of skirts.