Compare Milford, IL Car Insurance Rates (2021)

Car insurance in Milford, IL averages $259 a month. Milford, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Milford car insurance rates, compare quotes from the top car insurance companies in Milford, 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 Milford, IL after a DUI are $3,627/year
  • The cheapest car insurance company in Milford for teen drivers is Travelers
  • Average car insurance rates in Milford, IL are $3,107/year

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

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

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

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

How do age, gender, and marital status affect Milford, IL car insurance rates? Every Milford, 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 Milford, 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 $3,440 $3,454 $3,608 $3,608 $9,052 $11,779 $4,141 $4,478
American Family $2,245 $2,245 $2,055 $2,055 $6,324 $8,770 $2,245 $2,896
Farmers $2,295 $2,296 $2,037 $2,153 $9,819 $10,236 $2,624 $2,748
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,372 $1,481 $1,140 $1,275 $4,514 $5,024 $1,434 $1,513
Nationwide $1,925 $1,959 $1,711 $1,813 $5,345 $6,858 $2,246 $2,433
Progressive $1,857 $1,761 $1,527 $1,604 $6,548 $7,346 $2,210 $2,382
State Farm $1,327 $1,327 $1,180 $1,180 $3,740 $4,748 $1,498 $1,720
Travelers $1,355 $1,429 $1,222 $1,302 $3,704 $4,584 $1,438 $1,514
USAA $1,719 $1,765 $1,598 $1,592 $5,442 $6,030 $2,275 $2,525

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Minimum Car Insurance in Milford, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Milford, Illinois

Insurance Company Poor Fair Good
Allstate $6,935 $5,012 $4,388
American Family $4,795 $3,261 $2,757
Farmers $4,862 $4,082 $3,883
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,137 $1,960 $1,562
Nationwide $3,624 $2,926 $2,559
Progressive $3,611 $3,045 $2,807
State Farm $3,039 $1,820 $1,411
Travelers $2,533 $2,022 $1,651
USAA $3,831 $2,620 $2,154

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

Annual Milford, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,847 $6,648 $6,180 $5,105
American Family $2,647 $3,768 $4,998 $3,004
Farmers $3,610 $4,653 $4,537 $4,304
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,852 $2,621 $2,306 $2,099
Nationwide $2,445 $3,167 $3,724 $2,809
Progressive $2,605 $3,840 $2,882 $3,290
State Farm $1,914 $2,266 $2,090 $2,090
Travelers $1,657 $2,155 $2,392 $2,071
USAA $2,050 $2,931 $4,024 $2,468

Cheapest Milford, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Milford, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,052 $11,779
American Family $6,324 $8,770
Farmers $9,819 $10,236
GEICO $4,375 $4,641
Liberty Mutual $4,514 $5,024
Nationwide $5,345 $6,858
Progressive $6,548 $7,346
State Farm $3,740 $4,748
Travelers $3,704 $4,584
USAA $5,442 $6,030

Cheapest Milford, IL Car Insurance for Seniors

Take a look at Milford, 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 Milford, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,608 $3,608
American Family $2,055 $2,055
Farmers $2,037 $2,153
GEICO $1,364 $1,612
Liberty Mutual $1,140 $1,275
Nationwide $1,711 $1,813
Progressive $1,527 $1,604
State Farm $1,180 $1,180
Travelers $1,222 $1,302
USAA $1,598 $1,592

Cheapest Milford, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Milford, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,180
American Family $4,998
Farmers $4,537
GEICO $3,141
Liberty Mutual $2,306
Nationwide $3,724
Progressive $2,882
State Farm $2,090
Travelers $2,392
USAA $4,024

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Cheapest Milford, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Milford, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,445 $5,445
American Family $3,558 $3,651
Farmers $4,276 $4,276
GEICO $2,263 $2,351
Liberty Mutual $2,219 $2,219
Nationwide $3,036 $3,036
Progressive $3,154 $3,154
State Farm $2,037 $2,143
Travelers $1,989 $2,149
USAA $2,787 $2,949

The Best Cheap Car Insurance Companies in Milford, IL

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

Average Annual Car Insurance Rates by Company in Milford, Illinois

Insurance Company Average Annual Rates
Allstate $5,445
American Family $3,604
Farmers $4,276
GEICO $2,307
Liberty Mutual $2,219
Nationwide $3,036
Progressive $3,154
State Farm $2,090
Travelers $2,069
USAA $2,868

Category Winners: Cheapest Car Insurance in Milford, Illinois

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

Best Annual Car Insurance Rates by Company in Milford, Illinois

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

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Cheapest Milford, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Milford, Illinois

Insurance Company Low Medium High
Allstate $5,274 $5,440 $5,621
American Family $3,484 $3,736 $3,593
Farmers $4,070 $4,175 $4,583
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,093 $2,215 $2,350
Nationwide $3,022 $3,060 $3,026
Progressive $2,902 $3,135 $3,426
State Farm $1,983 $2,093 $2,194
Travelers $1,957 $2,066 $2,183
USAA $2,681 $2,865 $3,059

What affects car insurance rates in Milford, Illinois?

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

Commute Time in Milford

The more time you spend in your car the higher the risk of an accident. The average commute length in Milford, IL is 27.0 minutes according to City-Data.

Compare Car Insurance Quotes in Milford, IL

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

Free Car Insurance Comparison

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