Illinois vs New Mexico Car Insurance

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

Quick Verdict

More Affordable

Illinois is $40/yr cheaper on average.

Fewer Uninsured

Illinois has a lower uninsured rate (11.0% vs 19.8%).

Rate & Coverage Comparison

Attribute	Illinois	New Mexico
Avg Annual Premium	$1,650	$1,690
Min Liability	$540	$550
Full Coverage	$1,650	$1,690
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.0%	19.8%
Registered Vehicles	10,505,840	1,736,760
Accidents/Year	157,587	26,051
Population	12,812,000	2,118,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

New Mexico

25/50 / 10 liability

Premium Comparison

Illinois$540 – $1,650

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

New Mexico$550 – $1,690

Liability: $550Avg: $1,690Full: $1,690

IllinoisFull rates, age breakdown, requirements →New MexicoFull 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 New Mexico?

Illinois has cheaper car insurance, with an average annual premium of $1,650 compared to $1,690 in New Mexico - a difference of $40 per year.

How do Illinois and New Mexico compare on fault systems?

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

What are the minimum insurance requirements in Illinois vs New Mexico?

Illinois requires 25/50 / 20 liability. New Mexico requires 25/50 / 10 liability. Minimum liability costs $540/yr in Illinois and $550/yr in New Mexico.

Which state has more uninsured drivers, Illinois or New Mexico?

New Mexico has a higher uninsured driver rate at 19.8%, compared to 11.0% in Illinois. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois vs New Mexico 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

New Mexico

Avg Annual Premium

$1,650

$1,690

Min Liability

$540

$550

Full Coverage

$1,650

$1,690

Fault System

At-Fault (Tort)

Uninsured Rate

11.0%

19.8%

Registered Vehicles

10,505,840

1,736,760

Accidents/Year

157,587

26,051

Population

12,812,000

2,118,000