Compare Harvard, IL Car Insurance Rates (2021)

Car insurance in Harvard, IL averages $269 a month. Harvard, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Harvard car insurance rates, compare quotes from the top car insurance companies in Harvard, 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

  • Average car insurance rates in Harvard, IL are $3,233/year
  • The cheapest car insurance company in Harvard is Liberty Mutual
  • Average car insurance rates in Harvard, IL after a DUI are $3,789/year

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

You’ll find Harvard car insurance rates, the cheapest Harvard, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Harvard, Illinois car insurance rates to Aurora car insurance rates, Springfield car insurance rates, and Cicero car insurance rates.

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

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

How do age, gender, and marital status affect Harvard, IL car insurance rates? Every Harvard, 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 Harvard, 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 $3,431 $3,447 $3,601 $3,601 $9,027 $11,676 $4,123 $4,452
American Family $2,218 $2,218 $2,037 $2,037 $6,388 $8,804 $2,218 $2,866
Farmers $2,392 $2,391 $2,117 $2,244 $10,555 $11,009 $2,737 $2,855
GEICO $1,508 $1,549 $1,474 $1,647 $5,498 $5,672 $1,752 $1,814
Liberty Mutual $1,381 $1,486 $1,144 $1,274 $4,786 $5,313 $1,447 $1,526
Nationwide $1,678 $1,702 $1,500 $1,582 $4,576 $5,845 $1,952 $2,107
Progressive $1,974 $1,858 $1,631 $1,709 $7,254 $8,132 $2,349 $2,534
State Farm $1,457 $1,457 $1,311 $1,311 $4,306 $5,441 $1,650 $1,908
Travelers $1,685 $1,778 $1,562 $1,664 $5,132 $6,538 $1,780 $1,875
USAA $1,614 $1,639 $1,502 $1,477 $5,246 $5,777 $2,123 $2,329

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Minimum Car Insurance in Harvard, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Harvard, Illinois

Insurance Company Poor Fair Good
Allstate $6,908 $4,983 $4,368
American Family $4,771 $3,261 $2,763
Farmers $5,146 $4,339 $4,127
GEICO $4,192 $2,051 $1,599
Liberty Mutual $3,240 $2,030 $1,613
Nationwide $3,117 $2,525 $2,211
Progressive $3,906 $3,317 $3,067
State Farm $3,422 $2,051 $1,592
Travelers $3,347 $2,712 $2,196
USAA $3,609 $2,483 $2,048

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

Annual Harvard, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,816 $6,642 $6,144 $5,077
American Family $2,644 $3,762 $4,990 $2,998
Farmers $3,827 $4,945 $4,822 $4,555
GEICO $1,750 $2,820 $3,833 $2,053
Liberty Mutual $1,905 $2,719 $2,385 $2,169
Nationwide $2,121 $2,728 $3,195 $2,427
Progressive $2,824 $4,201 $3,130 $3,565
State Farm $2,144 $2,567 $2,355 $2,355
Travelers $2,175 $2,863 $3,232 $2,737
USAA $1,932 $2,782 $3,808 $2,331

Cheapest Harvard, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harvard, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,027 $11,676
American Family $6,388 $8,804
Farmers $10,555 $11,009
GEICO $5,498 $5,672
Liberty Mutual $4,786 $5,313
Nationwide $4,576 $5,845
Progressive $7,254 $8,132
State Farm $4,306 $5,441
Travelers $5,132 $6,538
USAA $5,246 $5,777

Cheapest Harvard, IL Car Insurance for Seniors

Take a look at Harvard, 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 Harvard, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,601 $3,601
American Family $2,037 $2,037
Farmers $2,117 $2,244
GEICO $1,474 $1,647
Liberty Mutual $1,144 $1,274
Nationwide $1,500 $1,582
Progressive $1,631 $1,709
State Farm $1,311 $1,311
Travelers $1,562 $1,664
USAA $1,502 $1,477

Cheapest Harvard, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harvard, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,144
American Family $4,990
Farmers $4,822
GEICO $3,833
Liberty Mutual $2,385
Nationwide $3,195
Progressive $3,130
State Farm $2,355
Travelers $3,232
USAA $3,808

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Cheapest Harvard, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harvard, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,420 $5,420
American Family $3,553 $3,644
Farmers $4,537 $4,537
GEICO $2,571 $2,658
Liberty Mutual $2,294 $2,294
Nationwide $2,618 $2,618
Progressive $3,430 $3,430
State Farm $2,296 $2,414
Travelers $2,643 $2,861
USAA $2,637 $2,789

The Best Cheap Car Insurance Companies in Harvard, IL

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

Average Annual Car Insurance Rates by Company in Harvard, Illinois

Insurance Company Average Annual Rates
Allstate $5,420
American Family $3,598
Farmers $4,537
GEICO $2,614
Liberty Mutual $2,295
Nationwide $2,618
Progressive $3,430
State Farm $2,355
Travelers $2,752
USAA $2,713

Category Winners: Cheapest Car Insurance in Harvard, Illinois

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

Best Annual Car Insurance Rates by Company in Harvard, 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 GEICO

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Cheapest Harvard, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Harvard, Illinois

Insurance Company Low Medium High
Allstate $5,213 $5,414 $5,632
American Family $3,447 $3,731 $3,617
Farmers $4,306 $4,424 $4,882
GEICO $2,364 $2,613 $2,866
Liberty Mutual $2,181 $2,291 $2,412
Nationwide $2,576 $2,643 $2,633
Progressive $3,136 $3,415 $3,739
State Farm $2,224 $2,358 $2,484
Travelers $2,542 $2,748 $2,966
USAA $2,528 $2,711 $2,902

What affects car insurance rates in Harvard, Illinois?

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

Commute Time in Harvard

The more time you spend in your car the higher the risk of an accident. The average commute length in Harvard, IL is 30.9 minutes according to City-Data.

Compare Car Insurance Quotes in Harvard, IL

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

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