Compare Freeport, IL Car Insurance Rates (2021)

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

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Freeport, IL after a DUI are $3,471/year
  • The cheapest car insurance company in Freeport for teen drivers is State Farm
  • The cheapest car insurance company in Freeport is State Farm

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

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

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

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

How do age, gender, and marital status affect Freeport, IL car insurance rates? Every Freeport, 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 Freeport, 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 $3,209 $3,224 $3,354 $3,354 $8,342 $10,860 $3,860 $4,174
American Family $2,217 $2,217 $2,034 $2,034 $6,337 $8,753 $2,217 $2,863
Farmers $2,257 $2,259 $2,003 $2,118 $9,660 $10,073 $2,576 $2,696
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,330 $1,434 $1,107 $1,235 $4,367 $4,853 $1,390 $1,467
Nationwide $1,487 $1,513 $1,329 $1,405 $3,961 $5,072 $1,719 $1,858
Progressive $1,850 $1,744 $1,525 $1,599 $6,774 $7,602 $2,200 $2,381
State Farm $1,331 $1,331 $1,185 $1,185 $3,782 $4,793 $1,504 $1,732
Travelers $1,490 $1,572 $1,361 $1,450 $4,294 $5,382 $1,579 $1,663
USAA $1,498 $1,521 $1,395 $1,371 $4,862 $5,356 $1,970 $2,159

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Freeport, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Freeport, Illinois

Insurance Company Poor Fair Good
Allstate $6,434 $4,645 $4,062
American Family $4,757 $3,246 $2,749
Farmers $4,781 $4,015 $3,820
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,035 $1,897 $1,512
Nationwide $2,730 $2,209 $1,940
Progressive $3,656 $3,104 $2,868
State Farm $3,062 $1,833 $1,422
Travelers $2,866 $2,307 $1,874
USAA $3,347 $2,303 $1,900

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

Annual Freeport, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,605 $6,130 $5,712 $4,740
American Family $2,633 $3,748 $4,970 $2,986
Farmers $3,552 $4,576 $4,463 $4,229
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,791 $2,536 $2,232 $2,032
Nationwide $1,857 $2,389 $2,800 $2,126
Progressive $2,644 $3,927 $2,929 $3,337
State Farm $1,927 $2,284 $2,105 $2,105
Travelers $1,871 $2,449 $2,731 $2,345
USAA $1,794 $2,581 $3,528 $2,162

Cheapest Freeport, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Freeport, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,342 $10,860
American Family $6,337 $8,753
Farmers $9,660 $10,073
GEICO $4,524 $4,715
Liberty Mutual $4,367 $4,853
Nationwide $3,961 $5,072
Progressive $6,774 $7,602
State Farm $3,782 $4,793
Travelers $4,294 $5,382
USAA $4,862 $5,356

Cheapest Freeport, IL Car Insurance for Seniors

Take a look at Freeport, 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 Freeport, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,354 $3,354
American Family $2,034 $2,034
Farmers $2,003 $2,118
GEICO $1,429 $1,724
Liberty Mutual $1,107 $1,235
Nationwide $1,329 $1,405
Progressive $1,525 $1,599
State Farm $1,185 $1,185
Travelers $1,361 $1,450
USAA $1,395 $1,371

Cheapest Freeport, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Freeport, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,712
American Family $4,970
Farmers $4,463
GEICO $3,243
Liberty Mutual $2,232
Nationwide $2,800
Progressive $2,929
State Farm $2,105
Travelers $2,731
USAA $3,528

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Freeport, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Freeport, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,047 $5,047
American Family $3,538 $3,630
Farmers $4,205 $4,205
GEICO $2,338 $2,425
Liberty Mutual $2,148 $2,148
Nationwide $2,293 $2,293
Progressive $3,209 $3,209
State Farm $2,053 $2,158
Travelers $2,257 $2,441
USAA $2,446 $2,587

The Best Cheap Car Insurance Companies in Freeport, IL

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

Average Annual Car Insurance Rates by Company in Freeport, Illinois

Insurance Company Average Annual Rates
Allstate $5,047
American Family $3,584
Farmers $4,205
GEICO $2,382
Liberty Mutual $2,148
Nationwide $2,293
Progressive $3,209
State Farm $2,105
Travelers $2,349
USAA $2,516

Category Winners: Cheapest Car Insurance in Freeport, Illinois

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

Best Annual Car Insurance Rates by Company in Freeport, Illinois

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Freeport, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Freeport, Illinois

Insurance Company Low Medium High
Allstate $4,902 $5,043 $5,197
American Family $3,443 $3,716 $3,593
Farmers $3,999 $4,104 $4,512
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,032 $2,143 $2,268
Nationwide $2,276 $2,311 $2,292
Progressive $2,921 $3,198 $3,508
State Farm $2,000 $2,109 $2,207
Travelers $2,203 $2,346 $2,497
USAA $2,344 $2,513 $2,692

What affects car insurance rates in Freeport, Illinois?

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

Commute Time in Freeport

The more time you spend in your car the higher the risk of an accident. The average commute length in Freeport, IL is 19.7 minutes according to City-Data.

Compare Car Insurance Quotes in Freeport, IL

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption