Free · 2026

Illinois vs. Wisconsin car insurance cost

Full-coverage car insurance averages $1,238 a year in Illinois and $1,057 a year in Wisconsin for a standard driver (2026). Wisconsin is cheaper by about $181 a year (17%). Your own rate depends on your age, vehicle and record — estimate it below.

Estimated premium

$103.17/mo

Annual$1,238

Coverage levelFull

Age factor×1

Profile: 40-year-old driver, 2012 Toyota Camry, 100/300/100 full coverage, $1,000 deductible, clean record (MoneyGeek 2026).

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Illinois vs. Wisconsin car insurance cost at a glance

Illinois (full coverage / yr): $1,238
Wisconsin (full coverage / yr): $1,057
Difference: $181 (17%)
Cheaper state: Wisconsin

Frequently asked questions

Is car insurance cheaper in Illinois or Wisconsin?

Wisconsin is cheaper. Full-coverage car insurance averages $1,057 a year there versus $1,238 in Illinois — about 17% less, based on 2026 average rates for a standard driver.

Why does car insurance cost more in Illinois?

State-level differences come from regulations, population density, accident and theft rates, weather/catastrophe risk and litigation costs. These vary enough that the same driver can pay noticeably different premiums in Illinois versus Wisconsin.

Will my rate match these averages?

Not exactly — these are averages for a standard 40-year-old driver. Your age, vehicle, record, credit and coverage choices move your price up or down. Use the calculator for a personalized estimate, then compare a real quote.

How this estimate is calculated

Figures are 2026 average annual full-coverage premiums for a standard 40-year-old driver in Illinois and Wisconsin. Your vehicle, record, credit and discounts also affect real quotes — use the calculator for a personalized estimate.

See our full methodology for assumptions, limits and the 2026 data used.

Sources

Written by: Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
Verified: Every figure checked against its cited primary source
Last updated: June 13, 2026
Standards: Editorial policy

This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.