Illinois vs Wisconsin: Where Car Insurance Costs More
Car Insurance in Illinois ($185/mo) vs Wisconsin ($168/mo) — a 10% gap between neighbors, explained with July 2026 data.
Illinois and Wisconsin share a border, but for car insurance they don't share much else: Illinois averages $185/mo (rank #20 of 51) and Wisconsin averages $168/mo (rank #10) as of July 2026 — a 10% gap. Insurance is regulated state by state, so each side of the line is its own market.
| Illinois | Wisconsin | U.S. average | |
|---|---|---|---|
| Full coverage /mo | $185/mo | $168/mo | $208/mo |
| Minimum liability /mo | $67/mo | $45/mo | $63/mo |
Illinois in context
Illinois lands in the affordable middle of the pack at #20 of 51, averaging $185/mo — about 11% below the national average.
Wisconsin in context
Wisconsin is one of the cheapest states in the country for car insurance, ranking #10 of 51 at $168/mo — about 19% below the national average of $208/mo.
Full local breakdowns: Illinois · Wisconsin · all states ranked.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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