Best Macomb, IL Car Insurance in 2025
Car insurance in Macomb, IL averages $250 a month. Macomb, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Macomb car insurance rates, compare quotes from the top car insurance companies in Macomb, IL.
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Table of Contents
Table of Contents
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated October 2024
- Average car insurance rates in Macomb, IL are $2,997/year
- The cheapest car insurance company in Macomb for teen drivers is State Farm
- Average car insurance rates in Macomb, IL after a DUI are $3,498/year
If you need to buy Macomb, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Macomb, IL is right here.
You’ll find Macomb car insurance rates, the cheapest Macomb, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Macomb, Illinois car insurance rates to Peoria car insurance rates, Elgin car insurance rates, and Cicero car insurance rates.
Ready to find affordable Macomb, IL car insurance today? Enter your ZIP code for fast, free Macomb car insurance quotes.
Cheapest Macomb, IL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Macomb, IL car insurance rates? Every Macomb, Illinois car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,288 | $3,303 | $3,428 | $3,428 | $8,414 | $10,963 | $3,955 | $4,275 |
| American Family | $2,266 | $2,266 | $2,069 | $2,069 | $6,270 | $8,739 | $2,266 | $2,917 |
| Farmers | $2,181 | $2,183 | $1,942 | $2,047 | $8,954 | $9,323 | $2,487 | $2,613 |
| Geico | $1,621 | $1,622 | $1,521 | $1,797 | $4,847 | $5,129 | $2,028 | $1,979 |
| Liberty Mutual | $1,318 | $1,424 | $1,103 | $1,229 | $4,091 | $4,544 | $1,378 | $1,456 |
| Nationwide | $1,706 | $1,740 | $1,517 | $1,611 | $4,593 | $5,910 | $1,976 | $2,143 |
| Progressive | $1,866 | $1,779 | $1,535 | $1,600 | $6,532 | $7,345 | $2,234 | $2,429 |
| State Farm | $1,256 | $1,256 | $1,108 | $1,108 | $3,403 | $4,327 | $1,415 | $1,619 |
| Travelers | $1,385 | $1,459 | $1,249 | $1,331 | $3,819 | $4,723 | $1,470 | $1,548 |
| 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 Macomb, IL
Every driver must carry the minimum car insurance required by the state in Macomb, IL. Take a look at the Illinois car insurance requirements.
| 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 Macomb, IL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Macomb, IL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Macomb from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,569 | $4,709 | $4,117 |
| American Family | $4,812 | $3,260 | $2,751 |
| Farmers | $4,524 | $3,778 | $3,596 |
| Geico | $4,119 | $2,014 | $1,571 |
| Liberty Mutual | $2,924 | $1,823 | $1,457 |
| Nationwide | $3,164 | $2,550 | $2,235 |
| Progressive | $3,615 | $3,058 | $2,823 |
| State Farm | $2,815 | $1,686 | $1,308 |
| Travelers | $2,597 | $2,078 | $1,694 |
| USAA | $3,661 | $2,516 | $2,074 |
Cheapest Macomb, IL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Macomb, IL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,711 | $6,222 | $5,762 | $4,832 |
| American Family | $2,651 | $3,773 | $5,001 | $3,008 |
| Farmers | $3,354 | $4,308 | $4,201 | $4,002 |
| Geico | $1,896 | $2,518 | $3,482 | $2,376 |
| Liberty Mutual | $1,731 | $2,433 | $2,149 | $1,959 |
| Nationwide | $2,134 | $2,763 | $3,250 | $2,452 |
| Progressive | $2,616 | $3,851 | $2,890 | $3,305 |
| State Farm | $1,783 | $2,090 | $1,937 | $1,937 |
| Travelers | $1,701 | $2,216 | $2,450 | $2,125 |
| USAA | $1,960 | $2,818 | $3,858 | $2,364 |
Cheapest Macomb, IL Car Insurance for Teen Drivers
Teen car insurance in Macomb, IL can be expensive. Take a look at rates from the top car insurance companies in Macomb for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,414 | $10,963 |
| American Family | $6,270 | $8,739 |
| Farmers | $8,954 | $9,323 |
| Geico | $4,847 | $5,129 |
| Liberty Mutual | $4,091 | $4,544 |
| Nationwide | $4,593 | $5,910 |
| Progressive | $6,532 | $7,345 |
| State Farm | $3,403 | $4,327 |
| Travelers | $3,819 | $4,723 |
| USAA | $5,289 | $5,831 |
Cheapest Macomb, IL Car Insurance for Seniors
Take a look at Macomb, IL rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,428 | $3,428 |
| American Family | $2,069 | $2,069 |
| Farmers | $1,942 | $2,047 |
| Geico | $1,521 | $1,797 |
| Liberty Mutual | $1,103 | $1,229 |
| Nationwide | $1,517 | $1,611 |
| Progressive | $1,535 | $1,600 |
| State Farm | $1,108 | $1,108 |
| Travelers | $1,249 | $1,331 |
| USAA | $1,527 | $1,507 |
Cheapest Macomb, IL Car Insurance Rates After a DUI
A DUI in Macomb, IL increases car insurance rates. Compare Macomb, Illinois car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,762 |
| American Family | $5,001 |
| Farmers | $4,201 |
| Geico | $3,482 |
| Liberty Mutual | $2,149 |
| Nationwide | $3,250 |
| Progressive | $2,890 |
| State Farm | $1,937 |
| Travelers | $2,450 |
| USAA | $3,858 |
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Cheapest Macomb, IL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Macomb, IL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,132 | $5,132 |
| American Family | $3,561 | $3,655 |
| Farmers | $3,966 | $3,966 |
| Geico | $2,519 | $2,617 |
| Liberty Mutual | $2,068 | $2,068 |
| Nationwide | $2,650 | $2,650 |
| Progressive | $3,165 | $3,165 |
| State Farm | $1,889 | $1,984 |
| Travelers | $2,041 | $2,205 |
| USAA | $2,673 | $2,827 |
The Best Cheap Car Insurance Companies in Macomb, IL
Take a look at a side-by-side comparison of the top car insurance companies in Macomb, IL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,132 |
| American Family | $3,608 |
| Farmers | $3,966 |
| Geico | $2,568 |
| Liberty Mutual | $2,068 |
| Nationwide | $2,650 |
| Progressive | $3,165 |
| State Farm | $1,937 |
| Travelers | $2,123 |
| USAA | $2,750 |
Category Winners: Cheapest Car Insurance in Macomb, Illinois
Find the cheapest car insurance companies in Macomb, IL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | Travelers |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Cheapest Macomb, IL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Macomb car insurance rates. Find the cheapest Macomb, IL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,973 | $5,127 | $5,295 |
| American Family | $3,503 | $3,739 | $3,582 |
| Farmers | $3,789 | $3,882 | $4,228 |
| Geico | $2,377 | $2,564 | $2,762 |
| Liberty Mutual | $1,962 | $2,064 | $2,178 |
| Nationwide | $2,654 | $2,667 | $2,629 |
| Progressive | $2,954 | $3,158 | $3,384 |
| State Farm | $1,849 | $1,939 | $2,022 |
| Travelers | $2,014 | $2,121 | $2,234 |
| USAA | $2,561 | $2,747 | $2,942 |
What affects car insurance rates in Macomb, Illinois?
What are the factors that affect car insurance rates in Macomb, IL? There are several reasons why Macomb car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Macomb, Illinois.
Commute Time in Macomb
The more time you spend in your car the higher the risk of an accident. The average commute length in Macomb, IL is 13.4 minutes according to City-Data.
Compare Car Insurance Quotes in Macomb, IL
Ready to find affordable Macomb, Illinois car insurance today? Enter your ZIP code for fast, free Macomb, IL car insurance quotes.
Frequently Asked Questions
How does commute length affect car insurance rates in Macomb, IL?
Commute length can impact car insurance rates in Macomb, IL. Generally, longer commutes may result in higher insurance rates. Comparing rates from different insurance companies can help you find the best option based on your commute length.
How do car insurance rates change after a DUI in Macomb, IL?
Car insurance rates generally increase after a DUI in Macomb, IL. The specific increase will depend on the insurance company. It’s advised to compare rates to find the most affordable option.
What are the car insurance rates for teen drivers in Macomb, IL?
Car insurance rates for teen drivers in Macomb, IL can be expensive. The cheapest car insurance company for teen drivers in Macomb is State Farm. Rates can vary, so it’s recommended to compare quotes.
How does driving record impact car insurance rates in Macomb, IL?
Your driving record is a significant factor in determining car insurance rates. Generally, having a bad driving record, including accidents or speeding violations, can result in higher insurance costs compared to a clean record.
What is the minimum car insurance coverage required in Macomb, IL?
The minimum car insurance coverage required in Macomb, Illinois is $25,000 per person for bodily injury liability coverage, $50,000 per accident for bodily injury liability coverage, and $20,000 for property damage liability coverage.
How does age, gender, and marital status affect car insurance rates in Macomb, IL?
Age, gender, and marital status can affect car insurance rates differently for each insurance company. It’s best to compare rates to see the impact of these factors.
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