Compare Girard, IL Car Insurance Rates (2021)

Car insurance in Girard, IL averages $274 a month. Girard, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Girard car insurance rates, compare quotes from the top car insurance companies in Girard, 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 Girard, IL after a DUI are $3,831/year
  • The cheapest car insurance company in Girard for teen drivers is State Farm
  • The cheapest car insurance company in Girard is State Farm

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

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

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

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

How do age, gender, and marital status affect Girard, IL car insurance rates? Every Girard, 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 Girard, 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 $3,606 $3,623 $3,765 $3,765 $9,342 $12,135 $4,334 $4,683
American Family $2,328 $2,328 $2,127 $2,127 $6,493 $9,036 $2,328 $2,999
Farmers $2,414 $2,418 $2,145 $2,262 $10,125 $10,565 $2,755 $2,891
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,433 $1,547 $1,189 $1,328 $4,695 $5,223 $1,502 $1,590
Nationwide $2,151 $2,193 $1,906 $2,027 $5,937 $7,652 $2,506 $2,722
Progressive $1,998 $1,902 $1,643 $1,715 $7,004 $7,881 $2,388 $2,594
State Farm $1,403 $1,403 $1,243 $1,243 $3,856 $4,913 $1,582 $1,804
Travelers $1,531 $1,618 $1,384 $1,478 $4,263 $5,331 $1,625 $1,714
USAA $1,677 $1,708 $1,559 $1,537 $5,422 $5,984 $2,212 $2,433

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Minimum Car Insurance in Girard, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Girard, Illinois

Insurance Company Poor Fair Good
Allstate $7,218 $5,202 $4,549
American Family $4,958 $3,363 $2,841
Farmers $5,060 $4,243 $4,038
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,277 $2,040 $1,624
Nationwide $4,051 $3,258 $2,850
Progressive $3,870 $3,277 $3,024
State Farm $3,172 $1,899 $1,472
Travelers $2,900 $2,315 $1,889
USAA $3,753 $2,575 $2,121

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

Annual Girard, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,047 $6,873 $6,392 $5,314
American Family $2,734 $3,886 $5,161 $3,102
Farmers $3,760 $4,835 $4,714 $4,479
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,928 $2,732 $2,406 $2,189
Nationwide $2,715 $3,535 $4,168 $3,129
Progressive $2,800 $4,127 $3,095 $3,540
State Farm $2,004 $2,358 $2,181 $2,181
Travelers $1,886 $2,462 $2,758 $2,365
USAA $2,007 $2,885 $3,953 $2,421

Cheapest Girard, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Girard, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,342 $12,135
American Family $6,493 $9,036
Farmers $10,125 $10,565
GEICO $4,847 $5,129
Liberty Mutual $4,695 $5,223
Nationwide $5,937 $7,652
Progressive $7,004 $7,881
State Farm $3,856 $4,913
Travelers $4,263 $5,331
USAA $5,422 $5,984

Cheapest Girard, IL Car Insurance for Seniors

Take a look at Girard, 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 Girard, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,765 $3,765
American Family $2,127 $2,127
Farmers $2,145 $2,262
GEICO $1,521 $1,797
Liberty Mutual $1,189 $1,328
Nationwide $1,906 $2,027
Progressive $1,643 $1,715
State Farm $1,243 $1,243
Travelers $1,384 $1,478
USAA $1,559 $1,537

Cheapest Girard, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Girard, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,392
American Family $5,161
Farmers $4,714
GEICO $3,482
Liberty Mutual $2,406
Nationwide $4,168
Progressive $3,095
State Farm $2,181
Travelers $2,758
USAA $3,953

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Cheapest Girard, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Girard, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,657 $5,657
American Family $3,673 $3,769
Farmers $4,447 $4,447
GEICO $2,519 $2,617
Liberty Mutual $2,314 $2,314
Nationwide $3,387 $3,387
Progressive $3,390 $3,390
State Farm $2,125 $2,236
Travelers $2,275 $2,461
USAA $2,737 $2,896

The Best Cheap Car Insurance Companies in Girard, IL

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

Average Annual Car Insurance Rates by Company in Girard, Illinois

Insurance Company Average Annual Rates
Allstate $5,657
American Family $3,721
Farmers $4,447
GEICO $2,568
Liberty Mutual $2,314
Nationwide $3,387
Progressive $3,390
State Farm $2,181
Travelers $2,368
USAA $2,816

Category Winners: Cheapest Car Insurance in Girard, Illinois

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

Best Annual Car Insurance Rates by Company in Girard, Illinois

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

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Cheapest Girard, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Girard, Illinois

Insurance Company Low Medium High
Allstate $5,482 $5,651 $5,836
American Family $3,601 $3,856 $3,705
Farmers $4,241 $4,346 $4,753
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,192 $2,309 $2,440
Nationwide $3,388 $3,412 $3,360
Progressive $3,139 $3,383 $3,650
State Farm $2,068 $2,184 $2,290
Travelers $2,216 $2,364 $2,523
USAA $2,632 $2,814 $3,004

What affects car insurance rates in Girard, Illinois?

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

Commute Time in Girard

The more time you spend in your car the higher the risk of an accident. The average commute length in Girard, IL is 22.6 minutes according to City-Data.

Compare Car Insurance Quotes in Girard, IL

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

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