Illinois vs Michigan Car Insurance

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

Quick Verdict

More Affordable

Illinois is $1,050/yr cheaper on average.

Fewer Uninsured

Illinois has a lower uninsured rate (11.0% vs 19.4%).

Rate & Coverage Comparison

Attribute	Illinois	Michigan
Avg Annual Premium	$1,650	$2,700
Min Liability	$540	$890
Full Coverage	$1,650	$2,700
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.0%	19.4%
Registered Vehicles	10,505,840	8,263,139
Accidents/Year	157,587	123,947
Population	12,812,000	10,077,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

Michigan

50/100 / 10 liability

Premium Comparison

Illinois$540 – $1,650

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

Michigan$890 – $2,700

Liability: $890Avg: $2,700Full: $2,700

IllinoisFull rates, age breakdown, requirements →MichiganFull 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 Michigan?

Illinois has cheaper car insurance, with an average annual premium of $1,650 compared to $2,700 in Michigan - a difference of $1,050 per year.

How do Illinois and Michigan compare on fault systems?

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

Illinois requires 25/50 / 20 liability. Michigan requires 50/100 / 10 liability. Minimum liability costs $540/yr in Illinois and $890/yr in Michigan.

Which state has more uninsured drivers, Illinois or Michigan?

Michigan has a higher uninsured driver rate at 19.4%, compared to 11.0% in Illinois. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois vs Michigan 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

Michigan

Avg Annual Premium

$1,650

$2,700

Min Liability

$540

$890

Full Coverage

$1,650

$2,700

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.0%

19.4%

Registered Vehicles

10,505,840

8,263,139

Accidents/Year

157,587

123,947

Population

12,812,000

10,077,000