The insurance marketplace in Illinois has traditionally been one of the most competitive in the country, and chances are good that the average Illinois resident is paying lower monthly premiums for most types of insurance than the national averages. There are a number of personal factors, including age, involved in determining insurance premiums and rates, but there are also factors such as population density, weather conditions, crime statistics, and claim data where an individual resides. 

The Local Government Distributive Fund (LGDF) was enacted in Illinois following the passage of the state income tax in 1969. A key element of the agreement was the establishment of revenue sharing, with local governments receiving a percentage of the income tax revenues on an annual basis. From the establishment of the state income tax until January 2011, this percentage held firm at 10 percent.