Compare Latham, IL Car Insurance Rates (2021)

Car insurance in Latham, IL averages $256 a month. Latham, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Latham car insurance rates, compare quotes from the top car insurance companies in Latham, 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 Latham, IL are $3,076/year
  • The cheapest car insurance company in Latham is Travelers
  • The cheapest car insurance company in Latham for teen drivers is Travelers

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

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

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

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

How do age, gender, and marital status affect Latham, IL car insurance rates? Every Latham, 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 Latham, 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 $3,380 $3,396 $3,515 $3,515 $8,621 $11,252 $4,064 $4,395
American Family $2,287 $2,287 $2,092 $2,092 $6,420 $8,919 $2,287 $2,948
Farmers $2,250 $2,249 $1,998 $2,110 $9,532 $9,929 $2,574 $2,700
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,350 $1,456 $1,121 $1,253 $4,485 $4,989 $1,410 $1,486
Nationwide $1,694 $1,726 $1,508 $1,600 $4,571 $5,876 $1,964 $2,129
Progressive $1,855 $1,762 $1,531 $1,594 $6,589 $7,404 $2,216 $2,402
State Farm $1,383 $1,383 $1,231 $1,231 $3,922 $4,967 $1,563 $1,803
Travelers $1,409 $1,486 $1,267 $1,350 $3,847 $4,747 $1,498 $1,578
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 Latham, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Latham, Illinois

Insurance Company Poor Fair Good
Allstate $6,732 $4,843 $4,227
American Family $4,882 $3,316 $2,802
Farmers $4,741 $3,978 $3,784
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,097 $1,939 $1,546
Nationwide $3,142 $2,535 $2,223
Progressive $3,612 $3,065 $2,831
State Farm $3,178 $1,902 $1,475
Travelers $2,630 $2,100 $1,714
USAA $3,672 $2,521 $2,077

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

Annual Latham, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,828 $6,352 $5,926 $4,962
American Family $2,694 $3,831 $5,085 $3,056
Farmers $3,518 $4,533 $4,420 $4,199
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,830 $2,593 $2,279 $2,074
Nationwide $2,122 $2,746 $3,229 $2,437
Progressive $2,617 $3,863 $2,894 $3,302
State Farm $2,000 $2,370 $2,185 $2,185
Travelers $1,721 $2,241 $2,478 $2,151
USAA $1,965 $2,823 $3,867 $2,370

Cheapest Latham, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Latham, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,621 $11,252
American Family $6,420 $8,919
Farmers $9,532 $9,929
GEICO $4,847 $5,129
Liberty Mutual $4,485 $4,989
Nationwide $4,571 $5,876
Progressive $6,589 $7,404
State Farm $3,922 $4,967
Travelers $3,847 $4,747
USAA $5,299 $5,845

Cheapest Latham, IL Car Insurance for Seniors

Take a look at Latham, 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 Latham, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,515 $3,515
American Family $2,092 $2,092
Farmers $1,998 $2,110
GEICO $1,521 $1,797
Liberty Mutual $1,121 $1,253
Nationwide $1,508 $1,600
Progressive $1,531 $1,594
State Farm $1,231 $1,231
Travelers $1,267 $1,350
USAA $1,530 $1,509

Cheapest Latham, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Latham, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,926
American Family $5,085
Farmers $4,420
GEICO $3,482
Liberty Mutual $2,279
Nationwide $3,229
Progressive $2,894
State Farm $2,185
Travelers $2,478
USAA $3,867

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Cheapest Latham, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Latham, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,267 $5,267
American Family $3,619 $3,714
Farmers $4,168 $4,168
GEICO $2,519 $2,617
Liberty Mutual $2,194 $2,194
Nationwide $2,633 $2,633
Progressive $3,169 $3,169
State Farm $2,131 $2,239
Travelers $2,065 $2,231
USAA $2,679 $2,834

The Best Cheap Car Insurance Companies in Latham, IL

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

Average Annual Car Insurance Rates by Company in Latham, Illinois

Insurance Company Average Annual Rates
Allstate $5,267
American Family $3,667
Farmers $4,168
GEICO $2,568
Liberty Mutual $2,194
Nationwide $2,633
Progressive $3,169
State Farm $2,185
Travelers $2,148
USAA $2,756

Category Winners: Cheapest Car Insurance in Latham, Illinois

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

Best Annual Car Insurance Rates by Company in Latham, Illinois

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

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Cheapest Latham, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Latham, Illinois

Insurance Company Low Medium High
Allstate $5,136 $5,263 $5,403
American Family $3,539 $3,801 $3,661
Farmers $3,977 $4,075 $4,451
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,070 $2,189 $2,322
Nationwide $2,632 $2,652 $2,616
Progressive $2,928 $3,163 $3,416
State Farm $2,081 $2,188 $2,287
Travelers $2,039 $2,146 $2,258
USAA $2,572 $2,754 $2,944

What affects car insurance rates in Latham, Illinois?

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

Commute Time in Latham

The more time you spend in your car the higher the risk of an accident. The average commute length in Latham, IL is 26.9 minutes according to City-Data.

Compare Car Insurance Quotes in Latham, IL

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

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