Compare Grafton, IL Car Insurance Rates (2021)

Car insurance in Grafton, IL averages $280 a month. Grafton, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Grafton car insurance rates, compare quotes from the top car insurance companies in Grafton, 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

  • The cheapest car insurance company in Grafton is State Farm
  • The cheapest car insurance company in Grafton for teen drivers is State Farm
  • Average car insurance rates in Grafton, IL are $3,354/year

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

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

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

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

How do age, gender, and marital status affect Grafton, IL car insurance rates? Every Grafton, 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 Grafton, 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 $2,454 $2,457 $2,180 $2,299 $10,300 $10,744 $2,798 $2,933
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,467 $1,585 $1,214 $1,360 $4,864 $5,420 $1,535 $1,623
Nationwide $2,151 $2,193 $1,906 $2,027 $5,937 $7,652 $2,506 $2,722
Progressive $2,150 $2,042 $1,775 $1,850 $7,562 $8,510 $2,564 $2,772
State Farm $1,467 $1,467 $1,302 $1,302 $4,095 $5,206 $1,655 $1,896
Travelers $1,623 $1,711 $1,491 $1,588 $4,826 $6,084 $1,719 $1,810
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

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Minimum Car Insurance in Grafton, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Grafton, Illinois

Insurance Company Poor Fair Good
Allstate $7,218 $5,202 $4,549
American Family $4,958 $3,363 $2,841
Farmers $5,142 $4,314 $4,106
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,375 $2,102 $1,673
Nationwide $4,051 $3,258 $2,850
Progressive $4,164 $3,534 $3,262
State Farm $3,344 $2,001 $1,551
Travelers $3,172 $2,568 $2,080
USAA $3,661 $2,516 $2,074

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

Annual Grafton, 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 $3,823 $4,916 $4,794 $4,551
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,987 $2,817 $2,477 $2,253
Nationwide $2,715 $3,535 $4,168 $3,129
Progressive $3,014 $4,452 $3,338 $3,810
State Farm $2,108 $2,489 $2,299 $2,299
Travelers $2,070 $2,722 $3,035 $2,598
USAA $1,960 $2,818 $3,858 $2,364

Cheapest Grafton, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Grafton, 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 $10,300 $10,744
GEICO $4,847 $5,129
Liberty Mutual $4,864 $5,420
Nationwide $5,937 $7,652
Progressive $7,562 $8,510
State Farm $4,095 $5,206
Travelers $4,826 $6,084
USAA $5,289 $5,831

Cheapest Grafton, IL Car Insurance for Seniors

Take a look at Grafton, 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 Grafton, 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 $2,180 $2,299
GEICO $1,521 $1,797
Liberty Mutual $1,214 $1,360
Nationwide $1,906 $2,027
Progressive $1,775 $1,850
State Farm $1,302 $1,302
Travelers $1,491 $1,588
USAA $1,527 $1,507

Cheapest Grafton, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Grafton, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,392
American Family $5,161
Farmers $4,794
GEICO $3,482
Liberty Mutual $2,477
Nationwide $4,168
Progressive $3,338
State Farm $2,299
Travelers $3,035
USAA $3,858

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Cheapest Grafton, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Grafton, 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 $4,521 $4,521
GEICO $2,519 $2,617
Liberty Mutual $2,383 $2,383
Nationwide $3,387 $3,387
Progressive $3,653 $3,653
State Farm $2,241 $2,357
Travelers $2,504 $2,709
USAA $2,673 $2,827

The Best Cheap Car Insurance Companies in Grafton, IL

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

Average Annual Car Insurance Rates by Company in Grafton, Illinois

Insurance Company Average Annual Rates
Allstate $5,657
American Family $3,721
Farmers $4,521
GEICO $2,568
Liberty Mutual $2,383
Nationwide $3,387
Progressive $3,653
State Farm $2,299
Travelers $2,607
USAA $2,750

Category Winners: Cheapest Car Insurance in Grafton, Illinois

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

Best Annual Car Insurance Rates by Company in Grafton, 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

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Cheapest Grafton, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Grafton, Illinois

Insurance Company Low Medium High
Allstate $5,482 $5,651 $5,836
American Family $3,601 $3,856 $3,705
Farmers $4,313 $4,420 $4,830
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,243 $2,378 $2,529
Nationwide $3,388 $3,412 $3,360
Progressive $3,335 $3,646 $3,979
State Farm $2,180 $2,302 $2,414
Travelers $2,440 $2,604 $2,776
USAA $2,561 $2,747 $2,942

What affects car insurance rates in Grafton, Illinois?

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

Commute Time in Grafton

The more time you spend in your car the higher the risk of an accident. The average commute length in Grafton, IL is 27.8 minutes according to City-Data.

Compare Car Insurance Quotes in Grafton, IL

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

Free Car Insurance Comparison

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

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