Compare Flat Rock, IL Car Insurance Rates (2021)

Car insurance in Flat Rock, IL averages $249 a month. Flat Rock, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Flat Rock car insurance rates, compare quotes from the top car insurance companies in Flat Rock, 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

  • Average car insurance rates in Flat Rock, IL are $2,987/year
  • The cheapest car insurance company in Flat Rock for teen drivers is State Farm
  • Average car insurance rates in Flat Rock, IL after a DUI are $3,477/year

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

You’ll find Flat Rock car insurance rates, the cheapest Flat Rock, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Flat Rock, Illinois car insurance rates to Springfield car insurance rates, Chicago car insurance rates, and Cicero car insurance rates.

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

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

How do age, gender, and marital status affect Flat Rock, IL car insurance rates? Every Flat Rock, 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 Flat Rock, 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 $3,031 $3,046 $3,153 $3,153 $7,734 $10,062 $3,641 $3,934
American Family $2,165 $2,165 $1,978 $1,978 $6,009 $8,367 $2,165 $2,787
Farmers $2,341 $2,345 $2,087 $2,196 $9,413 $9,802 $2,662 $2,797
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,324 $1,430 $1,104 $1,232 $4,095 $4,555 $1,386 $1,469
Nationwide $1,726 $1,759 $1,535 $1,629 $4,666 $5,999 $2,001 $2,170
Progressive $1,973 $1,891 $1,624 $1,696 $6,500 $7,309 $2,352 $2,523
State Farm $1,400 $1,400 $1,234 $1,234 $3,776 $4,806 $1,577 $1,803
Travelers $1,478 $1,561 $1,339 $1,429 $4,129 $5,166 $1,567 $1,652
USAA $1,639 $1,669 $1,524 $1,504 $5,278 $5,822 $2,158 $2,375

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Minimum Car Insurance in Flat Rock, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Flat Rock, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,600 $3,120 $2,635
Farmers $4,800 $4,004 $3,812
GEICO $3,690 $1,812 $1,417
Liberty Mutual $2,936 $1,827 $1,460
Nationwide $3,206 $2,585 $2,266
Progressive $3,715 $3,119 $2,866
State Farm $3,132 $1,875 $1,454
Travelers $2,804 $2,240 $1,827
USAA $3,658 $2,511 $2,069

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

Annual Flat Rock, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,422 $5,702 $5,309 $4,444
American Family $2,535 $3,615 $4,782 $2,876
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,737 $2,439 $2,156 $1,965
Nationwide $2,163 $2,801 $3,294 $2,485
Progressive $2,681 $3,904 $2,962 $3,388
State Farm $1,984 $2,323 $2,154 $2,154
Travelers $1,825 $2,380 $2,668 $2,287
USAA $1,958 $2,813 $3,852 $2,361

Cheapest Flat Rock, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Flat Rock, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,009 $8,367
Farmers $9,413 $9,802
GEICO $4,375 $4,641
Liberty Mutual $4,095 $4,555
Nationwide $4,666 $5,999
Progressive $6,500 $7,309
State Farm $3,776 $4,806
Travelers $4,129 $5,166
USAA $5,278 $5,822

Cheapest Flat Rock, IL Car Insurance for Seniors

Take a look at Flat Rock, 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 Flat Rock, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $1,978 $1,978
Farmers $2,087 $2,196
GEICO $1,364 $1,612
Liberty Mutual $1,104 $1,232
Nationwide $1,535 $1,629
Progressive $1,624 $1,696
State Farm $1,234 $1,234
Travelers $1,339 $1,429
USAA $1,524 $1,504

Cheapest Flat Rock, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Flat Rock, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $4,782
Farmers $4,452
GEICO $3,141
Liberty Mutual $2,156
Nationwide $3,294
Progressive $2,962
State Farm $2,154
Travelers $2,668
USAA $3,852

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Cheapest Flat Rock, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Flat Rock, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,407 $3,497
Farmers $4,205 $4,205
GEICO $2,263 $2,351
Liberty Mutual $2,074 $2,074
Nationwide $2,686 $2,686
Progressive $3,233 $3,233
State Farm $2,100 $2,207
Travelers $2,201 $2,380
USAA $2,669 $2,823

The Best Cheap Car Insurance Companies in Flat Rock, IL

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

Average Annual Car Insurance Rates by Company in Flat Rock, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,452
Farmers $4,205
GEICO $2,307
Liberty Mutual $2,074
Nationwide $2,686
Progressive $3,233
State Farm $2,154
Travelers $2,290
USAA $2,746

Category Winners: Cheapest Car Insurance in Flat Rock, Illinois

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

Best Annual Car Insurance Rates by Company in Flat Rock, Illinois

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

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Cheapest Flat Rock, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Flat Rock, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,343 $3,577 $3,435
Farmers $4,025 $4,120 $4,470
GEICO $2,131 $2,300 $2,489
Liberty Mutual $1,966 $2,070 $2,187
Nationwide $2,684 $2,705 $2,669
Progressive $2,992 $3,214 $3,495
State Farm $2,056 $2,157 $2,249
Travelers $2,141 $2,287 $2,442
USAA $2,562 $2,743 $2,933

What affects car insurance rates in Flat Rock, Illinois?

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

Commute Time in Flat Rock

The more time you spend in your car the higher the risk of an accident. The average commute length in Flat Rock, IL is 20.6 minutes according to City-Data.

Compare Car Insurance Quotes in Flat Rock, IL

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

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