Compare La Fayette, IL Car Insurance Rates (2021)

Car insurance in La Fayette, IL averages $250 a month. La Fayette, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap La Fayette car insurance rates, compare quotes from the top car insurance companies in La Fayette, 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 La Fayette for teen drivers is Travelers
  • The cheapest car insurance company in La Fayette is Travelers
  • Average car insurance rates in La Fayette, IL are $2,999/year

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

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

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

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

How do age, gender, and marital status affect La Fayette, IL car insurance rates? Every La Fayette, 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 La Fayette, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,270 $2,272 $2,019 $2,130 $9,448 $9,843 $2,588 $2,715
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,343 $1,450 $1,118 $1,251 $4,397 $4,894 $1,401 $1,477
Nationwide $1,675 $1,707 $1,491 $1,581 $4,540 $5,829 $1,944 $2,105
Progressive $1,922 $1,833 $1,581 $1,647 $6,692 $7,531 $2,299 $2,499
State Farm $1,441 $1,441 $1,279 $1,279 $4,015 $5,104 $1,627 $1,864
Travelers $1,347 $1,422 $1,218 $1,299 $3,684 $4,593 $1,427 $1,503
USAA $1,743 $1,788 $1,620 $1,612 $5,519 $6,112 $2,305 $2,557

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Minimum Car Insurance in La Fayette, IL

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

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

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

Annual Car Insurance Rates by Credit Score in La Fayette, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $4,742 $3,217 $2,718
Farmers $4,740 $3,967 $3,775
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,064 $1,912 $1,524
Nationwide $3,113 $2,512 $2,202
Progressive $3,712 $3,141 $2,898
State Farm $3,282 $1,964 $1,523
Travelers $2,525 $2,015 $1,645
USAA $3,883 $2,655 $2,184

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

Annual La Fayette, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,614 $3,723 $4,933 $2,966
Farmers $3,517 $4,522 $4,410 $4,193
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,807 $2,558 $2,251 $2,049
Nationwide $2,105 $2,720 $3,196 $2,415
Progressive $2,686 $3,953 $2,968 $3,395
State Farm $2,070 $2,443 $2,256 $2,256
Travelers $1,649 $2,144 $2,394 $2,060
USAA $2,077 $2,971 $4,078 $2,502

Cheapest La Fayette, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in La Fayette, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,205 $8,633
Farmers $9,448 $9,843
GEICO $4,847 $5,129
Liberty Mutual $4,397 $4,894
Nationwide $4,540 $5,829
Progressive $6,692 $7,531
State Farm $4,015 $5,104
Travelers $3,684 $4,593
USAA $5,519 $6,112

Cheapest La Fayette, IL Car Insurance for Seniors

Take a look at La Fayette, 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 La Fayette, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,037 $2,037
Farmers $2,019 $2,130
GEICO $1,521 $1,797
Liberty Mutual $1,118 $1,251
Nationwide $1,491 $1,581
Progressive $1,581 $1,647
State Farm $1,279 $1,279
Travelers $1,218 $1,299
USAA $1,620 $1,612

Cheapest La Fayette, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in La Fayette, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,008
American Family $4,933
Farmers $4,410
GEICO $3,482
Liberty Mutual $2,251
Nationwide $3,196
Progressive $2,968
State Farm $2,256
Travelers $2,394
USAA $4,078

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Cheapest La Fayette, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in La Fayette, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,513 $3,605
Farmers $4,161 $4,161
GEICO $2,519 $2,617
Liberty Mutual $2,166 $2,166
Nationwide $2,609 $2,609
Progressive $3,251 $3,251
State Farm $2,199 $2,313
Travelers $1,982 $2,141
USAA $2,825 $2,989

The Best Cheap Car Insurance Companies in La Fayette, IL

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

Average Annual Car Insurance Rates by Company in La Fayette, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,559
Farmers $4,161
GEICO $2,568
Liberty Mutual $2,166
Nationwide $2,609
Progressive $3,251
State Farm $2,256
Travelers $2,062
USAA $2,907

Category Winners: Cheapest Car Insurance in La Fayette, Illinois

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

Best Annual Car Insurance Rates by Company in La Fayette, Illinois

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

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Cheapest La Fayette, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in La Fayette, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,452 $3,688 $3,537
Farmers $3,969 $4,068 $4,444
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,037 $2,161 $2,301
Nationwide $2,611 $2,626 $2,590
Progressive $3,021 $3,244 $3,486
State Farm $2,143 $2,260 $2,366
Travelers $1,934 $2,059 $2,191
USAA $2,717 $2,904 $3,100

What affects car insurance rates in La Fayette, Illinois?

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

Commute Time in La Fayette

The more time you spend in your car the higher the risk of an accident. The average commute length in La Fayette, IL is 29.1 minutes according to City-Data.

Compare Car Insurance Quotes in La Fayette, IL

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

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