Georgia vs Illinois Car Insurance

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

Quick Verdict

More Affordable

Illinois is $450/yr cheaper on average.

Fewer Uninsured

Illinois has a lower uninsured rate (11.0% vs 12.4%).

Rate & Coverage Comparison

Attribute	Georgia	Illinois
Avg Annual Premium	$2,100	$1,650
Min Liability	$690	$540
Full Coverage	$2,100	$1,650
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	12.4%	11.0%
Registered Vehicles	8,783,840	10,505,840
Accidents/Year	131,757	157,587
Population	10,712,000	12,812,000

Minimum Coverage Requirements

Georgia

25/50 / 25 liability

Illinois

25/50 / 20 liability

Premium Comparison

Georgia$690 – $2,100

Liability: $690Avg: $2,100Full: $2,100

Illinois$540 – $1,650

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

GeorgiaFull 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, Georgia or Illinois?

Illinois has cheaper car insurance, with an average annual premium of $1,650 compared to $2,100 in Georgia - a difference of $450 per year.

How do Georgia and Illinois compare on fault systems?

Georgia 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 Georgia vs Illinois?

Georgia requires 25/50 / 25 liability. Illinois requires 25/50 / 20 liability. Minimum liability costs $690/yr in Georgia and $540/yr in Illinois.

Which state has more uninsured drivers, Georgia or Illinois?

Georgia has a higher uninsured driver rate at 12.4%, compared to 11.0% in Illinois. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Georgia 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

Georgia

Illinois

Avg Annual Premium

$2,100

$1,650

Min Liability

$690

$540

Full Coverage

$2,100

$1,650

Fault System

At-Fault (Tort)

Uninsured Rate

12.4%

11.0%

Registered Vehicles

8,783,840

10,505,840

Accidents/Year

131,757

157,587

Population

10,712,000

12,812,000