Compare Elmwood, IL Car Insurance Rates (2021)

Car insurance in Elmwood, IL averages $262 a month. Elmwood, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Elmwood car insurance rates, compare quotes from the top car insurance companies in Elmwood, IL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Elmwood for teen drivers is Liberty Mutual
  • Average car insurance rates in Elmwood, IL are $3,139/year
  • The cheapest car insurance company in Elmwood is Liberty Mutual

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

You’ll find Elmwood car insurance rates, the cheapest Elmwood, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Elmwood, Illinois car insurance rates to Peoria car insurance rates, Champaign car insurance rates, and Joliet car insurance rates.

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

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

How do age, gender, and marital status affect Elmwood, IL car insurance rates? Every Elmwood, 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 Elmwood, 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 $3,288 $3,303 $3,428 $3,428 $8,414 $10,963 $3,955 $4,275
American Family $2,367 $2,367 $2,158 $2,158 $6,493 $9,079 $2,367 $3,045
Farmers $2,405 $2,409 $2,137 $2,254 $10,064 $10,496 $2,743 $2,878
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,312 $1,417 $1,090 $1,219 $4,229 $4,708 $1,374 $1,452
Nationwide $1,589 $1,620 $1,416 $1,502 $4,249 $5,460 $1,839 $1,992
Progressive $2,087 $1,997 $1,721 $1,790 $7,078 $7,965 $2,499 $2,701
State Farm $1,504 $1,504 $1,331 $1,331 $4,143 $5,269 $1,696 $1,942
Travelers $1,442 $1,521 $1,304 $1,390 $4,018 $4,998 $1,530 $1,611
USAA $1,743 $1,788 $1,620 $1,612 $5,519 $6,112 $2,305 $2,557

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Minimum Car Insurance in Elmwood, IL

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

Minimum Required Car Insurance Coverage in Elmwood, 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 Elmwood, IL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Elmwood, Illinois

Insurance Company Poor Fair Good
Allstate $6,569 $4,709 $4,117
American Family $5,016 $3,389 $2,858
Farmers $5,036 $4,219 $4,015
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,966 $1,853 $1,480
Nationwide $2,932 $2,366 $2,077
Progressive $3,980 $3,361 $3,098
State Farm $3,404 $2,037 $1,579
Travelers $2,723 $2,180 $1,777
USAA $3,883 $2,655 $2,184

Cheapest Elmwood, 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 Elmwood, IL to rates for a clean record with top companies.

Annual Elmwood, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,711 $6,222 $5,762 $4,832
American Family $2,759 $3,921 $5,207 $3,132
Farmers $3,740 $4,808 $4,689 $4,455
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,756 $2,475 $2,182 $1,987
Nationwide $1,984 $2,563 $3,011 $2,276
Progressive $2,879 $4,219 $3,181 $3,639
State Farm $2,150 $2,530 $2,340 $2,340
Travelers $1,779 $2,321 $2,580 $2,226
USAA $2,077 $2,971 $4,078 $2,502

Cheapest Elmwood, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elmwood, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $10,963
American Family $6,493 $9,079
Farmers $10,064 $10,496
GEICO $4,847 $5,129
Liberty Mutual $4,229 $4,708
Nationwide $4,249 $5,460
Progressive $7,078 $7,965
State Farm $4,143 $5,269
Travelers $4,018 $4,998
USAA $5,519 $6,112

Cheapest Elmwood, IL Car Insurance for Seniors

Take a look at Elmwood, 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 Elmwood, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,428 $3,428
American Family $2,158 $2,158
Farmers $2,137 $2,254
GEICO $1,521 $1,797
Liberty Mutual $1,090 $1,219
Nationwide $1,416 $1,502
Progressive $1,721 $1,790
State Farm $1,331 $1,331
Travelers $1,304 $1,390
USAA $1,620 $1,612

Cheapest Elmwood, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elmwood, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,762
American Family $5,207
Farmers $4,689
GEICO $3,482
Liberty Mutual $2,182
Nationwide $3,011
Progressive $3,181
State Farm $2,340
Travelers $2,580
USAA $4,078

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Cheapest Elmwood, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elmwood, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,132 $5,132
American Family $3,705 $3,803
Farmers $4,423 $4,423
GEICO $2,519 $2,617
Liberty Mutual $2,100 $2,100
Nationwide $2,458 $2,458
Progressive $3,480 $3,480
State Farm $2,281 $2,399
Travelers $2,140 $2,313
USAA $2,825 $2,989

The Best Cheap Car Insurance Companies in Elmwood, IL

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

Average Annual Car Insurance Rates by Company in Elmwood, Illinois

Insurance Company Average Annual Rates
Allstate $5,132
American Family $3,754
Farmers $4,423
GEICO $2,568
Liberty Mutual $2,100
Nationwide $2,458
Progressive $3,480
State Farm $2,340
Travelers $2,227
USAA $2,907

Category Winners: Cheapest Car Insurance in Elmwood, Illinois

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

Best Annual Car Insurance Rates by Company in Elmwood, Illinois

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

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Cheapest Elmwood, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Elmwood, Illinois

Insurance Company Low Medium High
Allstate $4,973 $5,127 $5,295
American Family $3,654 $3,890 $3,718
Farmers $4,217 $4,322 $4,730
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,984 $2,096 $2,221
Nationwide $2,452 $2,476 $2,447
Progressive $3,242 $3,469 $3,727
State Farm $2,227 $2,343 $2,450
Travelers $2,100 $2,224 $2,356
USAA $2,717 $2,904 $3,100

What affects car insurance rates in Elmwood, Illinois?

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

Commute Time in Elmwood

The more time you spend in your car the higher the risk of an accident. The average commute length in Elmwood, IL is 24.5 minutes according to City-Data.

Compare Car Insurance Quotes in Elmwood, IL

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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