Illinois vs Kentucky Car Insurance

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

Quick Verdict

More Affordable

Illinois is $550/yr cheaper on average.

Fewer Uninsured

Illinois has a lower uninsured rate (11.0% vs 13.8%).

Rate & Coverage Comparison

Attribute	Illinois	Kentucky
Avg Annual Premium	$1,650	$2,200
Min Liability	$540	$720
Full Coverage	$1,650	$2,200
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.0%	13.8%
Registered Vehicles	10,505,840	3,694,920
Accidents/Year	157,587	55,423
Population	12,812,000	4,506,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

Kentucky

25/50 / 25 liability

Premium Comparison

Illinois$540 – $1,650

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

Kentucky$720 – $2,200

Liability: $720Avg: $2,200Full: $2,200

IllinoisFull rates, age breakdown, requirements →KentuckyFull 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, Illinois or Kentucky?

Illinois has cheaper car insurance, with an average annual premium of $1,650 compared to $2,200 in Kentucky - a difference of $550 per year.

How do Illinois and Kentucky compare on fault systems?

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

What are the minimum insurance requirements in Illinois vs Kentucky?

Illinois requires 25/50 / 20 liability. Kentucky requires 25/50 / 25 liability. Minimum liability costs $540/yr in Illinois and $720/yr in Kentucky.

Which state has more uninsured drivers, Illinois or Kentucky?

Kentucky has a higher uninsured driver rate at 13.8%, compared to 11.0% in Illinois. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois vs Kentucky 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

Illinois

Kentucky

Avg Annual Premium

$1,650

$2,200

Min Liability

$540

$720

Full Coverage

$1,650

$2,200

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.0%

13.8%

Registered Vehicles

10,505,840

3,694,920

Accidents/Year

157,587

55,423

Population

12,812,000

4,506,000