Compare Geneva, IL Car Insurance Rates (2021)

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

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

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 Geneva, IL are $3,098/year
  • The cheapest car insurance company in Geneva is Nationwide
  • Average car insurance rates in Geneva, IL after a DUI are $3,619/year

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

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

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

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

How do age, gender, and marital status affect Geneva, IL car insurance rates? Every Geneva, 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 Geneva, 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 $3,138 $3,152 $3,292 $3,292 $8,276 $10,753 $3,775 $4,081
American Family $2,121 $2,121 $1,949 $1,949 $6,125 $8,434 $2,121 $2,743
Farmers $2,352 $2,353 $2,076 $2,204 $10,643 $11,122 $2,690 $2,800
GEICO $1,707 $1,756 $1,668 $1,875 $5,994 $6,188 $1,927 $2,001
Liberty Mutual $1,382 $1,488 $1,142 $1,275 $4,933 $5,484 $1,446 $1,521
Nationwide $1,324 $1,342 $1,190 $1,251 $3,536 $4,495 $1,533 $1,649
Progressive $1,916 $1,787 $1,589 $1,668 $7,320 $8,189 $2,272 $2,443
State Farm $1,423 $1,423 $1,290 $1,290 $4,592 $5,792 $1,616 $1,868
Travelers $1,500 $1,578 $1,391 $1,478 $4,555 $5,756 $1,584 $1,665
USAA $1,499 $1,513 $1,397 $1,363 $4,934 $5,417 $1,965 $2,139

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 Geneva, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Geneva, Illinois

Insurance Company Poor Fair Good
Allstate $6,322 $4,579 $4,009
American Family $4,566 $3,123 $2,647
Farmers $5,125 $4,338 $4,126
GEICO $4,643 $2,263 $1,762
Liberty Mutual $3,290 $2,068 $1,643
Nationwide $2,421 $1,970 $1,729
Progressive $3,859 $3,289 $3,046
State Farm $3,509 $2,099 $1,627
Travelers $2,958 $2,410 $1,947
USAA $3,356 $2,316 $1,913

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

Annual Geneva, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,503 $6,069 $5,652 $4,657
American Family $2,529 $3,607 $4,776 $2,868
Farmers $3,821 $4,943 $4,819 $4,536
GEICO $1,954 $3,155 $4,153 $2,297
Liberty Mutual $1,937 $2,772 $2,424 $2,203
Nationwide $1,665 $2,123 $2,475 $1,896
Progressive $2,791 $4,183 $3,099 $3,519
State Farm $2,185 $2,639 $2,412 $2,412
Travelers $1,938 $2,550 $2,836 $2,429
USAA $1,798 $2,597 $3,546 $2,171

Cheapest Geneva, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Geneva, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,276 $10,753
American Family $6,125 $8,434
Farmers $10,643 $11,122
GEICO $5,994 $6,188
Liberty Mutual $4,933 $5,484
Nationwide $3,536 $4,495
Progressive $7,320 $8,189
State Farm $4,592 $5,792
Travelers $4,555 $5,756
USAA $4,934 $5,417

Cheapest Geneva, IL Car Insurance for Seniors

Take a look at Geneva, 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 Geneva, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,292 $3,292
American Family $1,949 $1,949
Farmers $2,076 $2,204
GEICO $1,668 $1,875
Liberty Mutual $1,142 $1,275
Nationwide $1,190 $1,251
Progressive $1,589 $1,668
State Farm $1,290 $1,290
Travelers $1,391 $1,478
USAA $1,397 $1,363

Cheapest Geneva, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Geneva, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,652
American Family $4,776
Farmers $4,819
GEICO $4,153
Liberty Mutual $2,424
Nationwide $2,475
Progressive $3,099
State Farm $2,412
Travelers $2,836
USAA $3,546

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Geneva, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Geneva, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,970 $4,970
American Family $3,401 $3,489
Farmers $4,530 $4,530
GEICO $2,841 $2,939
Liberty Mutual $2,334 $2,334
Nationwide $2,040 $2,040
Progressive $3,398 $3,398
State Farm $2,351 $2,473
Travelers $2,343 $2,534
USAA $2,458 $2,599

The Best Cheap Car Insurance Companies in Geneva, IL

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

Average Annual Car Insurance Rates by Company in Geneva, Illinois

Insurance Company Average Annual Rates
Allstate $4,970
American Family $3,445
Farmers $4,530
GEICO $2,890
Liberty Mutual $2,334
Nationwide $2,040
Progressive $3,398
State Farm $2,412
Travelers $2,438
USAA $2,528

Category Winners: Cheapest Car Insurance in Geneva, Illinois

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

Best Annual Car Insurance Rates by Company in Geneva, Illinois

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Geneva, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Geneva, Illinois

Insurance Company Low Medium High
Allstate $4,812 $4,965 $5,133
American Family $3,303 $3,572 $3,461
Farmers $4,285 $4,408 $4,897
GEICO $2,607 $2,884 $3,178
Liberty Mutual $2,206 $2,330 $2,466
Nationwide $2,011 $2,058 $2,051
Progressive $3,068 $3,383 $3,744
State Farm $2,265 $2,418 $2,553
Travelers $2,285 $2,436 $2,595
USAA $2,352 $2,526 $2,707

What affects car insurance rates in Geneva, Illinois?

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

Commute Time in Geneva

The more time you spend in your car the higher the risk of an accident. The average commute length in Geneva, IL is 30.2 minutes according to City-Data.

Traffic in Geneva

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Geneva, IL traffic data from INRIX ranks Geneva as the 65th-most congested in the world.

Compare Car Insurance Quotes in Geneva, IL

Ready to find affordable Geneva, Illinois car insurance today? Enter your ZIP code for fast, free Geneva, 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