Compare Homer, IL Car Insurance Rates (2021)

Car insurance in Homer, IL averages $243 a month. Homer, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Homer car insurance rates, compare quotes from the top car insurance companies in Homer, 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 Homer, IL are $2,921/year
  • Average car insurance rates in Homer, IL after a DUI are $3,399/year
  • The cheapest car insurance company in Homer is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Homer, IL car insurance rates? Every Homer, 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 Homer, 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 $2,953 $2,967 $3,074 $3,074 $7,561 $9,833 $3,547 $3,833
American Family $2,004 $2,004 $1,837 $1,837 $5,668 $7,844 $2,004 $2,584
Farmers $2,196 $2,196 $1,950 $2,060 $9,338 $9,730 $2,510 $2,629
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,332 $1,437 $1,108 $1,237 $4,363 $4,852 $1,392 $1,469
Nationwide $1,693 $1,724 $1,508 $1,597 $4,608 $5,912 $1,967 $2,129
Progressive $1,792 $1,690 $1,478 $1,553 $6,470 $7,250 $2,127 $2,285
State Farm $1,390 $1,390 $1,239 $1,239 $3,974 $5,036 $1,571 $1,809
Travelers $1,394 $1,471 $1,269 $1,352 $3,923 $4,909 $1,477 $1,555
USAA $1,644 $1,675 $1,530 $1,509 $5,299 $5,845 $2,166 $2,384

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Minimum Car Insurance in Homer, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Homer, Illinois

Insurance Company Poor Fair Good
Allstate $5,883 $4,234 $3,699
American Family $4,281 $2,918 $2,470
Farmers $4,635 $3,891 $3,702
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,035 $1,898 $1,513
Nationwide $3,151 $2,545 $2,230
Progressive $3,519 $2,977 $2,746
State Farm $3,208 $1,920 $1,489
Travelers $2,651 $2,125 $1,731
USAA $3,672 $2,521 $2,077

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

Annual Homer, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,330 $5,570 $5,187 $4,334
American Family $2,365 $3,384 $4,461 $2,682
Farmers $3,442 $4,435 $4,324 $4,104
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,793 $2,537 $2,233 $2,032
Nationwide $2,132 $2,755 $3,236 $2,446
Progressive $2,541 $3,762 $2,815 $3,205
State Farm $2,017 $2,395 $2,206 $2,206
Travelers $1,731 $2,258 $2,522 $2,165
USAA $1,965 $2,823 $3,867 $2,370

Cheapest Homer, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Homer, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,561 $9,833
American Family $5,668 $7,844
Farmers $9,338 $9,730
GEICO $4,375 $4,641
Liberty Mutual $4,363 $4,852
Nationwide $4,608 $5,912
Progressive $6,470 $7,250
State Farm $3,974 $5,036
Travelers $3,923 $4,909
USAA $5,299 $5,845

Cheapest Homer, IL Car Insurance for Seniors

Take a look at Homer, 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 Homer, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,074 $3,074
American Family $1,837 $1,837
Farmers $1,950 $2,060
GEICO $1,364 $1,612
Liberty Mutual $1,108 $1,237
Nationwide $1,508 $1,597
Progressive $1,478 $1,553
State Farm $1,239 $1,239
Travelers $1,269 $1,352
USAA $1,530 $1,509

Cheapest Homer, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Homer, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,187
American Family $4,461
Farmers $4,324
GEICO $3,141
Liberty Mutual $2,233
Nationwide $3,236
Progressive $2,815
State Farm $2,206
Travelers $2,522
USAA $3,867

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Cheapest Homer, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Homer, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,605 $4,605
American Family $3,182 $3,264
Farmers $4,076 $4,076
GEICO $2,263 $2,351
Liberty Mutual $2,149 $2,149
Nationwide $2,642 $2,642
Progressive $3,081 $3,081
State Farm $2,151 $2,261
Travelers $2,085 $2,253
USAA $2,679 $2,834

The Best Cheap Car Insurance Companies in Homer, IL

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

Average Annual Car Insurance Rates by Company in Homer, Illinois

Insurance Company Average Annual Rates
Allstate $4,605
American Family $3,223
Farmers $4,076
GEICO $2,307
Liberty Mutual $2,149
Nationwide $2,642
Progressive $3,081
State Farm $2,206
Travelers $2,169
USAA $2,756

Category Winners: Cheapest Car Insurance in Homer, Illinois

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

Best Annual Car Insurance Rates by Company in Homer, Illinois

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

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Cheapest Homer, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Homer, Illinois

Insurance Company Low Medium High
Allstate $4,473 $4,601 $4,742
American Family $3,103 $3,341 $3,224
Farmers $3,885 $3,984 $4,359
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,031 $2,144 $2,271
Nationwide $2,636 $2,662 $2,629
Progressive $2,803 $3,062 $3,377
State Farm $2,094 $2,209 $2,315
Travelers $2,033 $2,166 $2,308
USAA $2,572 $2,754 $2,944

What affects car insurance rates in Homer, Illinois?

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

Commute Time in Homer

The more time you spend in your car the higher the risk of an accident. The average commute length in Homer, IL is 27.5 minutes according to City-Data.

Compare Car Insurance Quotes in Homer, IL

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

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