Florida vs Illinois Car Insurance

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

Quick Verdict

More Affordable

Illinois is $850/yr cheaper on average.

Fewer Uninsured

Illinois has a lower uninsured rate (11.0% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Illinois
Avg Annual Premium	$2,500	$1,650
Min Liability	$820	$540
Full Coverage	$2,500	$1,650
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	20.4%	11.0%
Registered Vehicles	17,661,160	10,505,840
Accidents/Year	264,917	157,587
Population	21,538,000	12,812,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Illinois

25/50 / 20 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Illinois$540 – $1,650

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

FloridaFull rates, age breakdown, requirements →IllinoisFull rates, age breakdown, requirements →

📊

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, Florida or Illinois?

Illinois has cheaper car insurance, with an average annual premium of $1,650 compared to $2,500 in Florida - a difference of $850 per year.

How do Florida and Illinois compare on fault systems?

Florida uses a no-fault system while Illinois uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Florida vs Illinois?

Florida requires 10/20 / 10 liability. Illinois requires 25/50 / 20 liability. Minimum liability costs $820/yr in Florida and $540/yr in Illinois.

Which state has more uninsured drivers, Florida or Illinois?

Florida has a higher uninsured driver rate at 20.4%, compared to 11.0% in Illinois. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Florida

Illinois

Avg Annual Premium

$2,500

$1,650

Min Liability

$820

$540

Full Coverage

$2,500

$1,650

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

20.4%

11.0%

Registered Vehicles

17,661,160

10,505,840

Accidents/Year

264,917

157,587

Population

21,538,000

12,812,000