Illinois vs Minnesota Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $90/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 11.0%).

Rate & Coverage Comparison

Attribute	Illinois	Minnesota
Avg Annual Premium	$1,650	$1,560
Min Liability	$540	$510
Full Coverage	$1,650	$1,560
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.0%	7.9%
Registered Vehicles	10,505,840	4,679,740
Accidents/Year	157,587	70,196
Population	12,812,000	5,707,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

Minnesota

30/60 / 10 liability

Premium Comparison

Illinois$540 – $1,650

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

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

IllinoisFull rates, age breakdown, requirements →MinnesotaFull 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 Minnesota?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,650 in Illinois - a difference of $90 per year.

How do Illinois and Minnesota compare on fault systems?

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

Illinois requires 25/50 / 20 liability. Minnesota requires 30/60 / 10 liability. Minimum liability costs $540/yr in Illinois and $510/yr in Minnesota.

Which state has more uninsured drivers, Illinois or Minnesota?

Illinois has a higher uninsured driver rate at 11.0%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois vs Minnesota 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

Minnesota

Avg Annual Premium

$1,650

$1,560

Min Liability

$540

$510

Full Coverage

$1,650

$1,560

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.0%

7.9%

Registered Vehicles

10,505,840

4,679,740

Accidents/Year

157,587

70,196

Population

12,812,000

5,707,000