Compare Genoa, IL Car Insurance Rates (2021)

Car insurance in Genoa, IL averages $257 a month. Genoa, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Genoa car insurance rates, compare quotes from the top car insurance companies in Genoa, 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 Genoa for teen drivers is State Farm
  • The cheapest car insurance company in Genoa is Liberty Mutual
  • Average car insurance rates in Genoa, IL are $3,088/year

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

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

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

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

How do age, gender, and marital status affect Genoa, IL car insurance rates? Every Genoa, 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 Genoa, 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 $3,458 $3,473 $3,622 $3,622 $9,070 $11,808 $4,162 $4,501
American Family $2,218 $2,218 $2,037 $2,037 $6,388 $8,804 $2,218 $2,866
Farmers $2,292 $2,286 $2,030 $2,152 $10,013 $10,425 $2,620 $2,732
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,271 $1,370 $1,060 $1,184 $4,209 $4,679 $1,324 $1,390
Nationwide $1,783 $1,810 $1,591 $1,681 $4,888 $6,259 $2,077 $2,246
Progressive $1,770 $1,663 $1,464 $1,531 $6,623 $7,420 $2,108 $2,281
State Farm $1,321 $1,321 $1,190 $1,190 $3,908 $4,945 $1,495 $1,723
Travelers $1,575 $1,661 $1,462 $1,556 $4,783 $6,084 $1,663 $1,750
USAA $1,466 $1,488 $1,365 $1,341 $4,725 $5,203 $1,923 $2,107

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Minimum Car Insurance in Genoa, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Genoa, Illinois

Insurance Company Poor Fair Good
Allstate $6,959 $5,032 $4,403
American Family $4,771 $3,261 $2,763
Farmers $4,901 $4,129 $3,927
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,902 $1,824 $1,456
Nationwide $3,326 $2,691 $2,358
Progressive $3,533 $3,007 $2,783
State Farm $3,103 $1,861 $1,446
Travelers $3,120 $2,531 $2,049
USAA $3,262 $2,244 $1,851

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

Annual Genoa, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,874 $6,656 $6,202 $5,126
American Family $2,644 $3,762 $4,990 $2,998
Farmers $3,642 $4,706 $4,589 $4,338
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,721 $2,436 $2,139 $1,948
Nationwide $2,255 $2,910 $3,416 $2,586
Progressive $2,558 $3,813 $2,834 $3,225
State Farm $1,944 $2,329 $2,137 $2,137
Travelers $2,032 $2,673 $3,008 $2,554
USAA $1,751 $2,514 $3,434 $2,110

Cheapest Genoa, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Genoa, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,070 $11,808
American Family $6,388 $8,804
Farmers $10,013 $10,425
GEICO $4,524 $4,715
Liberty Mutual $4,209 $4,679
Nationwide $4,888 $6,259
Progressive $6,623 $7,420
State Farm $3,908 $4,945
Travelers $4,783 $6,084
USAA $4,725 $5,203

Cheapest Genoa, IL Car Insurance for Seniors

Take a look at Genoa, 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 Genoa, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,622 $3,622
American Family $2,037 $2,037
Farmers $2,030 $2,152
GEICO $1,429 $1,724
Liberty Mutual $1,060 $1,184
Nationwide $1,591 $1,681
Progressive $1,464 $1,531
State Farm $1,190 $1,190
Travelers $1,462 $1,556
USAA $1,365 $1,341

Cheapest Genoa, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Genoa, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,202
American Family $4,990
Farmers $4,589
GEICO $3,243
Liberty Mutual $2,139
Nationwide $3,416
Progressive $2,834
State Farm $2,137
Travelers $3,008
USAA $3,434

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Cheapest Genoa, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Genoa, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,465 $5,465
American Family $3,553 $3,644
Farmers $4,319 $4,319
GEICO $2,338 $2,425
Liberty Mutual $2,061 $2,061
Nationwide $2,792 $2,792
Progressive $3,107 $3,107
State Farm $2,082 $2,191
Travelers $2,466 $2,668
USAA $2,384 $2,521

The Best Cheap Car Insurance Companies in Genoa, IL

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

Average Annual Car Insurance Rates by Company in Genoa, Illinois

Insurance Company Average Annual Rates
Allstate $5,465
American Family $3,598
Farmers $4,319
GEICO $2,382
Liberty Mutual $2,061
Nationwide $2,792
Progressive $3,107
State Farm $2,137
Travelers $2,567
USAA $2,452

Category Winners: Cheapest Car Insurance in Genoa, Illinois

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

Best Annual Car Insurance Rates by Company in Genoa, 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 Genoa, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Genoa, Illinois

Insurance Company Low Medium High
Allstate $5,304 $5,460 $5,630
American Family $3,447 $3,731 $3,617
Farmers $4,106 $4,217 $4,633
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,942 $2,057 $2,184
Nationwide $2,749 $2,820 $2,806
Progressive $2,846 $3,098 $3,378
State Farm $2,009 $2,140 $2,261
Travelers $2,377 $2,563 $2,760
USAA $2,285 $2,450 $2,622

What affects car insurance rates in Genoa, Illinois?

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

Commute Time in Genoa

The more time you spend in your car the higher the risk of an accident. The average commute length in Genoa, IL is 31.4 minutes according to City-Data.

Traffic in Genoa

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Genoa, IL traffic data from INRIX ranks Genoa as the 49th-most congested in the world.

Compare Car Insurance Quotes in Genoa, IL

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

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