Illinois vs Tennessee Car Insurance

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

Quick Verdict

More Affordable

Tennessee is $10/yr cheaper on average.

Fewer Uninsured

Illinois has a lower uninsured rate (11.0% vs 16.7%).

Rate & Coverage Comparison

Attribute	Illinois	Tennessee
Avg Annual Premium	$1,650	$1,640
Min Liability	$540	$540
Full Coverage	$1,650	$1,640
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.0%	16.7%
Registered Vehicles	10,505,840	5,666,200
Accidents/Year	157,587	84,993
Population	12,812,000	6,910,000

Minimum Coverage Requirements

Illinois

25/50 / 20 liability

Tennessee

25/50 / 15 liability

Premium Comparison

Illinois$540 – $1,650

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

Tennessee$540 – $1,640

Liability: $540Avg: $1,640Full: $1,640

IllinoisFull rates, age breakdown, requirements →TennesseeFull 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 Tennessee?

Tennessee has cheaper car insurance, with an average annual premium of $1,640 compared to $1,650 in Illinois - a difference of $10 per year.

How do Illinois and Tennessee compare on fault systems?

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

What are the minimum insurance requirements in Illinois vs Tennessee?

Illinois requires 25/50 / 20 liability. Tennessee requires 25/50 / 15 liability. Minimum liability costs $540/yr in Illinois and $540/yr in Tennessee.

Which state has more uninsured drivers, Illinois or Tennessee?

Tennessee has a higher uninsured driver rate at 16.7%, compared to 11.0% in Illinois. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Illinois vs Tennessee 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

Tennessee

Avg Annual Premium

$1,650

$1,640

Min Liability

$540

Full Coverage

$1,650

$1,640

Fault System

At-Fault (Tort)

Uninsured Rate

11.0%

16.7%

Registered Vehicles

10,505,840

5,666,200

Accidents/Year

157,587

84,993

Population

12,812,000

6,910,000