Compare Bluffs, IL Car Insurance Rates (2021)

Car insurance in Bluffs, IL averages $258 a month. Bluffs, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Bluffs car insurance rates, compare quotes from the top car insurance companies in Bluffs, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Bluffs for teen drivers is Travelers
  • Average car insurance rates in Bluffs, IL are $3,091/year
  • Average car insurance rates in Bluffs, IL after a DUI are $3,591/year

If you need to buy Bluffs, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Bluffs, IL is right here.

You’ll find Bluffs car insurance rates, the cheapest Bluffs, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Bluffs, Illinois car insurance rates to Rockford car insurance rates, Elgin car insurance rates, and Champaign car insurance rates.

Ready to find affordable Bluffs, IL car insurance today? Enter your ZIP code for fast, free Bluffs car insurance quotes.

Cheapest Bluffs, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bluffs, IL car insurance rates? Every Bluffs, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bluffs, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,259 $3,274 $3,383 $3,383 $8,257 $10,766 $3,916 $4,232
American Family $2,262 $2,262 $2,060 $2,060 $6,169 $8,642 $2,262 $2,908
Farmers $2,360 $2,364 $2,104 $2,214 $9,492 $9,883 $2,685 $2,823
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,324 $1,430 $1,105 $1,233 $4,128 $4,589 $1,384 $1,464
Nationwide $1,704 $1,739 $1,515 $1,610 $4,566 $5,881 $1,972 $2,139
Progressive $2,261 $2,190 $1,864 $1,926 $7,145 $8,071 $2,715 $2,932
State Farm $1,407 $1,407 $1,240 $1,240 $3,798 $4,835 $1,585 $1,811
Travelers $1,410 $1,488 $1,259 $1,344 $3,764 $4,629 $1,500 $1,581
USAA $1,677 $1,708 $1,559 $1,537 $5,422 $5,984 $2,212 $2,433

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Minimum Car Insurance in Bluffs, IL

Every driver must carry the minimum car insurance in Bluffs, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Bluffs, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Bluffs, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bluffs, IL. Compare credit history car insurance rates in Bluffs from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bluffs, Illinois

Insurance Company Poor Fair Good
Allstate $6,472 $4,648 $4,056
American Family $4,785 $3,228 $2,721
Farmers $4,840 $4,038 $3,844
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,945 $1,835 $1,466
Nationwide $3,154 $2,540 $2,228
Progressive $4,174 $3,512 $3,228
State Farm $3,149 $1,885 $1,462
Travelers $2,604 $2,070 $1,692
USAA $3,753 $2,575 $2,121

Cheapest Bluffs, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bluffs, IL to rates for a clean record with top companies.

Annual Bluffs, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,694 $6,093 $5,679 $4,770
American Family $2,627 $3,743 $4,960 $2,983
Farmers $3,591 $4,603 $4,489 $4,281
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,743 $2,450 $2,164 $1,972
Nationwide $2,125 $2,754 $3,240 $2,443
Progressive $3,022 $4,373 $3,333 $3,824
State Farm $1,995 $2,336 $2,165 $2,165
Travelers $1,702 $2,211 $2,447 $2,127
USAA $2,007 $2,885 $3,953 $2,421

Cheapest Bluffs, IL Car Insurance for Teen Drivers

Teen car insurance in Bluffs, IL can be expensive. Take a look at rates from the top car insurance companies in Bluffs for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bluffs, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,257 $10,766
American Family $6,169 $8,642
Farmers $9,492 $9,883
GEICO $4,847 $5,129
Liberty Mutual $4,128 $4,589
Nationwide $4,566 $5,881
Progressive $7,145 $8,071
State Farm $3,798 $4,835
Travelers $3,764 $4,629
USAA $5,422 $5,984

Cheapest Bluffs, IL Car Insurance for Seniors

Take a look at Bluffs, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bluffs, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,383 $3,383
American Family $2,060 $2,060
Farmers $2,104 $2,214
GEICO $1,521 $1,797
Liberty Mutual $1,105 $1,233
Nationwide $1,515 $1,610
Progressive $1,864 $1,926
State Farm $1,240 $1,240
Travelers $1,259 $1,344
USAA $1,559 $1,537

Cheapest Bluffs, IL Car Insurance Rates After a DUI

A DUI in Bluffs, IL increases car insurance rates. Compare Bluffs, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bluffs, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,679
American Family $4,960
Farmers $4,489
GEICO $3,482
Liberty Mutual $2,164
Nationwide $3,240
Progressive $3,333
State Farm $2,165
Travelers $2,447
USAA $3,953

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Cheapest Bluffs, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bluffs, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bluffs, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,059 $5,059
American Family $3,531 $3,625
Farmers $4,241 $4,241
GEICO $2,519 $2,617
Liberty Mutual $2,082 $2,082
Nationwide $2,641 $2,641
Progressive $3,638 $3,638
State Farm $2,111 $2,219
Travelers $2,040 $2,204
USAA $2,737 $2,896

The Best Cheap Car Insurance Companies in Bluffs, IL

Take a look at a side-by-side comparison of the top car insurance companies in Bluffs, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bluffs, Illinois

Insurance Company Average Annual Rates
Allstate $5,059
American Family $3,578
Farmers $4,241
GEICO $2,568
Liberty Mutual $2,082
Nationwide $2,641
Progressive $3,638
State Farm $2,165
Travelers $2,122
USAA $2,816

Category Winners: Cheapest Car Insurance in Bluffs, Illinois

Find the cheapest car insurance companies in Bluffs, IL for each category right here.

Best Annual Car Insurance Rates by Company in Bluffs, Illinois

Category Insurance Company
Teenagers Travelers
Seniors Liberty Mutual
Clean Record Travelers
With 1 Accident Travelers
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

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Cheapest Bluffs, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bluffs car insurance rates. Find the cheapest Bluffs, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bluffs, Illinois

Insurance Company Low Medium High
Allstate $4,928 $5,055 $5,194
American Family $3,487 $3,708 $3,540
Farmers $4,061 $4,156 $4,506
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,971 $2,078 $2,197
Nationwide $2,646 $2,657 $2,619
Progressive $3,415 $3,631 $3,867
State Farm $2,066 $2,168 $2,262
Travelers $2,016 $2,120 $2,230
USAA $2,632 $2,814 $3,004

What affects car insurance rates in Bluffs, Illinois?

What factors can have an impact on Bluffs, IL car insurance? There are several reasons why Bluffs car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bluffs, Illinois.

Commute Time in Bluffs

The more time you spend in your car the higher the risk of an accident. The average commute length in Bluffs, IL is 26.9 minutes according to City-Data.

Compare Car Insurance Quotes in Bluffs, IL

Ready to find affordable Bluffs, Illinois car insurance today? Enter your ZIP code for fast, free Bluffs, IL car insurance quotes.

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