Hawaii vs Illinois Car Insurance

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

Quick Verdict

More Affordable

Hawaii is $380/yr cheaper on average.

Fewer Uninsured

Hawaii has a lower uninsured rate (9.2% vs 11.0%).

Rate & Coverage Comparison

Attribute	Hawaii	Illinois
Avg Annual Premium	$1,270	$1,650
Min Liability	$420	$540
Full Coverage	$1,270	$1,650
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	9.2%	11.0%
Registered Vehicles	1,193,920	10,505,840
Accidents/Year	17,908	157,587
Population	1,456,000	12,812,000

Minimum Coverage Requirements

Hawaii

20/40 / 10 liability

Illinois

25/50 / 20 liability

Premium Comparison

Hawaii$420 – $1,270

Liability: $420Avg: $1,270Full: $1,270

Illinois$540 – $1,650

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

HawaiiFull 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, Hawaii or Illinois?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $1,650 in Illinois - a difference of $380 per year.

How do Hawaii and Illinois compare on fault systems?

Hawaii 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 Hawaii vs Illinois?

Hawaii requires 20/40 / 10 liability. Illinois requires 25/50 / 20 liability. Minimum liability costs $420/yr in Hawaii and $540/yr in Illinois.

Which state has more uninsured drivers, Hawaii or Illinois?

Illinois has a higher uninsured driver rate at 11.0%, compared to 9.2% in Hawaii. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Hawaii 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

Hawaii

Illinois

Avg Annual Premium

$1,270

$1,650

Min Liability

$420

$540

Full Coverage

$1,270

$1,650

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

9.2%

11.0%

Registered Vehicles

1,193,920

10,505,840

Accidents/Year

17,908

157,587

Population

1,456,000

12,812,000