Delaware vs Illinois Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Illinois is $270/yr cheaper on average.

Fewer Uninsured

Illinois has a lower uninsured rate (11.0% vs 11.4%).

Rate & Coverage Comparison

Attribute	Delaware	Illinois
Avg Annual Premium	$1,920	$1,650
Min Liability	$630	$540
Full Coverage	$1,920	$1,650
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.4%	11.0%
Registered Vehicles	811,800	10,505,840
Accidents/Year	12,177	157,587
Population	990,000	12,812,000

Minimum Coverage Requirements

Delaware

25/50 / 10 liability

Illinois

25/50 / 20 liability

Premium Comparison

Delaware$630 – $1,920

Liability: $630Avg: $1,920Full: $1,920

Illinois$540 – $1,650

Liability: $540Avg: $1,650Full: $1,650

DelawareFull rates, age breakdown, requirements →IllinoisFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Delaware or Illinois?

Illinois has cheaper car insurance, with an average annual premium of $1,650 compared to $1,920 in Delaware - a difference of $270 per year.

How do Delaware and Illinois compare on fault systems?

Delaware uses a at-fault (tort) system while Illinois uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Delaware vs Illinois?

Delaware requires 25/50 / 10 liability. Illinois requires 25/50 / 20 liability. Minimum liability costs $630/yr in Delaware and $540/yr in Illinois.

Which state has more uninsured drivers, Delaware or Illinois?

Delaware has a higher uninsured driver rate at 11.4%, compared to 11.0% in Illinois. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Delaware vs Illinois insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Delaware

Illinois

Avg Annual Premium

$1,920

$1,650

Min Liability

$630

$540

Full Coverage

$1,920

$1,650

Fault System

At-Fault (Tort)

Uninsured Rate

11.4%

11.0%

Registered Vehicles

811,800

10,505,840

Accidents/Year

12,177

157,587

Population

990,000

12,812,000