Compare Energy, IL Car Insurance Rates (2021)

Car insurance in Energy, IL averages $283 a month. Energy, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Energy car insurance rates, compare quotes from the top car insurance companies in Energy, 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

  • Average car insurance rates in Energy, IL after a DUI are $3,969/year
  • Average car insurance rates in Energy, IL are $3,396/year
  • The cheapest car insurance company in Energy for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Energy, IL car insurance rates? Every Energy, 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 Energy, 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 $3,073 $3,089 $3,204 $3,204 $7,885 $10,220 $3,690 $3,984
American Family $2,439 $2,439 $2,228 $2,228 $6,812 $9,483 $2,439 $3,143
Farmers $2,484 $2,493 $2,202 $2,325 $10,568 $11,053 $2,825 $2,956
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,400 $1,514 $1,162 $1,304 $4,556 $5,080 $1,463 $1,545
Nationwide $2,685 $2,737 $2,373 $2,527 $7,506 $9,697 $3,139 $3,416
Progressive $2,332 $2,220 $1,924 $2,016 $7,834 $8,817 $2,763 $2,951
State Farm $1,404 $1,404 $1,254 $1,254 $3,929 $5,010 $1,583 $1,797
Travelers $1,553 $1,642 $1,404 $1,500 $4,324 $5,428 $1,647 $1,737
USAA $1,598 $1,621 $1,490 $1,464 $5,216 $5,735 $2,102 $2,302

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Minimum Car Insurance in Energy, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Energy, Illinois

Insurance Company Poor Fair Good
Allstate $6,127 $4,402 $3,851
American Family $5,201 $3,526 $2,977
Farmers $5,241 $4,405 $4,194
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,188 $1,987 $1,584
Nationwide $5,102 $4,097 $3,581
Progressive $4,420 $3,726 $3,425
State Farm $3,199 $1,921 $1,493
Travelers $2,946 $2,350 $1,918
USAA $3,575 $2,464 $2,034

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

Annual Energy, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,452 $5,819 $5,395 $4,508
American Family $2,867 $4,068 $5,415 $3,254
Farmers $3,905 $5,020 $4,895 $4,633
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,882 $2,659 $2,340 $2,130
Nationwide $3,401 $4,449 $5,260 $3,930
Progressive $3,188 $4,672 $3,535 $4,033
State Farm $2,020 $2,389 $2,204 $2,204
Travelers $1,913 $2,498 $2,809 $2,399
USAA $1,915 $2,761 $3,777 $2,311

Cheapest Energy, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Energy, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,885 $10,220
American Family $6,812 $9,483
Farmers $10,568 $11,053
GEICO $5,690 $6,014
Liberty Mutual $4,556 $5,080
Nationwide $7,506 $9,697
Progressive $7,834 $8,817
State Farm $3,929 $5,010
Travelers $4,324 $5,428
USAA $5,216 $5,735

Cheapest Energy, IL Car Insurance for Seniors

Take a look at Energy, 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 Energy, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,204 $3,204
American Family $2,228 $2,228
Farmers $2,202 $2,325
GEICO $1,757 $2,095
Liberty Mutual $1,162 $1,304
Nationwide $2,373 $2,527
Progressive $1,924 $2,016
State Farm $1,254 $1,254
Travelers $1,404 $1,500
USAA $1,490 $1,464

Cheapest Energy, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Energy, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,395
American Family $5,415
Farmers $4,895
GEICO $4,060
Liberty Mutual $2,340
Nationwide $5,260
Progressive $3,535
State Farm $2,204
Travelers $2,809
USAA $3,777

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Cheapest Energy, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Energy, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,793 $4,793
American Family $3,851 $3,952
Farmers $4,613 $4,613
GEICO $2,920 $3,043
Liberty Mutual $2,253 $2,253
Nationwide $4,260 $4,260
Progressive $3,857 $3,857
State Farm $2,147 $2,262
Travelers $2,310 $2,499
USAA $2,616 $2,766

The Best Cheap Car Insurance Companies in Energy, IL

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

Average Annual Car Insurance Rates by Company in Energy, Illinois

Insurance Company Average Annual Rates
Allstate $4,793
American Family $3,901
Farmers $4,613
GEICO $2,982
Liberty Mutual $2,253
Nationwide $4,260
Progressive $3,857
State Farm $2,204
Travelers $2,405
USAA $2,691

Category Winners: Cheapest Car Insurance in Energy, Illinois

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

Best Annual Car Insurance Rates by Company in Energy, Illinois

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

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Cheapest Energy, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Energy, Illinois

Insurance Company Low Medium High
Allstate $4,632 $4,788 $4,959
American Family $3,775 $4,043 $3,885
Farmers $4,383 $4,498 $4,959
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,113 $2,248 $2,398
Nationwide $4,242 $4,299 $4,240
Progressive $3,453 $3,835 $4,283
State Farm $2,063 $2,206 $2,344
Travelers $2,240 $2,401 $2,573
USAA $2,498 $2,688 $2,887

What affects car insurance rates in Energy, Illinois?

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

Commute Time in Energy

The more time you spend in your car the higher the risk of an accident. The average commute length in Energy, IL is 15.7 minutes according to City-Data.

Compare Car Insurance Quotes in Energy, IL

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

Free Car Insurance Comparison

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

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