Illinois vs North Carolina Car Insurance

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

Quick Verdict

More Affordable

North Carolina is $300/yr cheaper on average.

Fewer Uninsured

North Carolina has a lower uninsured rate (7.4% vs 11.0%).

Rate & Coverage Comparison

Attribute	Illinois	North Carolina
Avg Annual Premium	$1,650	$1,350
Min Liability	$540	$440
Full Coverage	$1,650	$1,350
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.0%	7.4%
Registered Vehicles	10,505,840	8,559,980
Accidents/Year	157,587	128,399
Population	12,812,000	10,439,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

North Carolina

30/60 / 25 liability

Premium Comparison

Illinois$540 – $1,650

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

North Carolina$440 – $1,350

Liability: $440Avg: $1,350Full: $1,350

IllinoisFull rates, age breakdown, requirements →North CarolinaFull 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 North Carolina?

North Carolina has cheaper car insurance, with an average annual premium of $1,350 compared to $1,650 in Illinois - a difference of $300 per year.

How do Illinois and North Carolina compare on fault systems?

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

What are the minimum insurance requirements in Illinois vs North Carolina?

Illinois requires 25/50 / 20 liability. North Carolina requires 30/60 / 25 liability. Minimum liability costs $540/yr in Illinois and $440/yr in North Carolina.

Which state has more uninsured drivers, Illinois or North Carolina?

Illinois has a higher uninsured driver rate at 11.0%, compared to 7.4% in North Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois vs North Carolina 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

North Carolina

Avg Annual Premium

$1,650

$1,350

Min Liability

$540

$440

Full Coverage

$1,650

$1,350

Fault System

At-Fault (Tort)

Uninsured Rate

11.0%

7.4%

Registered Vehicles

10,505,840

8,559,980

Accidents/Year

157,587

128,399

Population

12,812,000

10,439,000