Illinois vs Massachusetts Car Insurance

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

Quick Verdict

More Affordable

Massachusetts is $180/yr cheaper on average.

Fewer Uninsured

Massachusetts has a lower uninsured rate (6.2% vs 11.0%).

Rate & Coverage Comparison

Attribute	Illinois	Massachusetts
Avg Annual Premium	$1,650	$1,470
Min Liability	$540	$480
Full Coverage	$1,650	$1,470
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.0%	6.2%
Registered Vehicles	10,505,840	5,764,600
Accidents/Year	157,587	86,469
Population	12,812,000	7,030,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

Massachusetts

20/40 / 5 liability

Premium Comparison

Illinois$540 – $1,650

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

Massachusetts$480 – $1,470

Liability: $480Avg: $1,470Full: $1,470

IllinoisFull rates, age breakdown, requirements →MassachusettsFull 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 Massachusetts?

Massachusetts has cheaper car insurance, with an average annual premium of $1,470 compared to $1,650 in Illinois - a difference of $180 per year.

How do Illinois and Massachusetts compare on fault systems?

Illinois uses a at-fault (tort) system while Massachusetts 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 Massachusetts?

Illinois requires 25/50 / 20 liability. Massachusetts requires 20/40 / 5 liability. Minimum liability costs $540/yr in Illinois and $480/yr in Massachusetts.

Which state has more uninsured drivers, Illinois or Massachusetts?

Illinois has a higher uninsured driver rate at 11.0%, compared to 6.2% in Massachusetts. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois vs Massachusetts 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

Massachusetts

Avg Annual Premium

$1,650

$1,470

Min Liability

$540

$480

Full Coverage

$1,650

$1,470

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.0%

6.2%

Registered Vehicles

10,505,840

5,764,600

Accidents/Year

157,587

86,469

Population

12,812,000

7,030,000