Illinois vs Maine Car Insurance

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

Quick Verdict

More Affordable

Maine is $750/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 11.0%).

Rate & Coverage Comparison

Attribute	Illinois	Maine
Avg Annual Premium	$1,650	$900
Min Liability	$540	$300
Full Coverage	$1,650	$900
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.0%	4.5%
Registered Vehicles	10,505,840	1,116,840
Accidents/Year	157,587	16,752
Population	12,812,000	1,362,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

Maine

50/100 / 25 liability

Premium Comparison

Illinois$540 – $1,650

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

Maine$300 – $900

Liability: $300Avg: $900Full: $900

IllinoisFull rates, age breakdown, requirements →MaineFull 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, Illinois or Maine?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $1,650 in Illinois - a difference of $750 per year.

How do Illinois and Maine compare on fault systems?

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

What are the minimum insurance requirements in Illinois vs Maine?

Illinois requires 25/50 / 20 liability. Maine requires 50/100 / 25 liability. Minimum liability costs $540/yr in Illinois and $300/yr in Maine.

Which state has more uninsured drivers, Illinois or Maine?

Illinois has a higher uninsured driver rate at 11.0%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois vs Maine 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

Illinois

Maine

Avg Annual Premium

$1,650

$900

Min Liability

$540

$300

Full Coverage

$1,650

$900

Fault System

At-Fault (Tort)

Uninsured Rate

11.0%

4.5%

Registered Vehicles

10,505,840

1,116,840

Accidents/Year

157,587

16,752

Population

12,812,000

1,362,000