Compare Modesto, IL Car Insurance Rates (2021)

Car insurance in Modesto, IL averages $273 a month. Modesto, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Modesto car insurance rates, compare quotes from the top car insurance companies in Modesto, 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 Modesto for teen drivers is State Farm
  • Average car insurance rates in Modesto, IL after a DUI are $3,822/year
  • Average car insurance rates in Modesto, IL are $3,276/year

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

You’ll find Modesto car insurance rates, the cheapest Modesto, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Modesto, Illinois car insurance rates to Rockford car insurance rates, Naperville car insurance rates, and Chicago car insurance rates.

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

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

How do age, gender, and marital status affect Modesto, IL car insurance rates? Every Modesto, 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 Modesto, 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 $3,606 $3,623 $3,765 $3,765 $9,342 $12,135 $4,334 $4,683
American Family $2,328 $2,328 $2,127 $2,127 $6,493 $9,036 $2,328 $2,999
Farmers $2,414 $2,418 $2,145 $2,262 $10,125 $10,565 $2,755 $2,891
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,460 $1,577 $1,209 $1,353 $4,820 $5,367 $1,529 $1,619
Nationwide $2,151 $2,193 $1,906 $2,027 $5,937 $7,652 $2,506 $2,722
Progressive $1,955 $1,862 $1,609 $1,677 $6,859 $7,719 $2,337 $2,540
State Farm $1,390 $1,390 $1,229 $1,229 $3,803 $4,840 $1,567 $1,791
Travelers $1,500 $1,582 $1,358 $1,448 $4,211 $5,248 $1,592 $1,677
USAA $1,677 $1,708 $1,559 $1,537 $5,422 $5,984 $2,212 $2,433

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Minimum Car Insurance in Modesto, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Modesto, Illinois

Insurance Company Poor Fair Good
Allstate $7,218 $5,202 $4,549
American Family $4,958 $3,363 $2,841
Farmers $5,060 $4,243 $4,038
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,354 $2,086 $1,660
Nationwide $4,051 $3,258 $2,850
Progressive $3,788 $3,209 $2,962
State Farm $3,134 $1,876 $1,455
Travelers $2,845 $2,279 $1,856
USAA $3,753 $2,575 $2,121

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

Annual Modesto, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,047 $6,873 $6,392 $5,314
American Family $2,734 $3,886 $5,161 $3,102
Farmers $3,760 $4,835 $4,714 $4,479
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,972 $2,796 $2,461 $2,238
Nationwide $2,715 $3,535 $4,168 $3,129
Progressive $2,742 $4,041 $3,031 $3,465
State Farm $1,981 $2,328 $2,155 $2,155
Travelers $1,857 $2,426 $2,699 $2,326
USAA $2,007 $2,885 $3,953 $2,421

Cheapest Modesto, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Modesto, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,342 $12,135
American Family $6,493 $9,036
Farmers $10,125 $10,565
GEICO $4,847 $5,129
Liberty Mutual $4,820 $5,367
Nationwide $5,937 $7,652
Progressive $6,859 $7,719
State Farm $3,803 $4,840
Travelers $4,211 $5,248
USAA $5,422 $5,984

Cheapest Modesto, IL Car Insurance for Seniors

Take a look at Modesto, 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 Modesto, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,765 $3,765
American Family $2,127 $2,127
Farmers $2,145 $2,262
GEICO $1,521 $1,797
Liberty Mutual $1,209 $1,353
Nationwide $1,906 $2,027
Progressive $1,609 $1,677
State Farm $1,229 $1,229
Travelers $1,358 $1,448
USAA $1,559 $1,537

Cheapest Modesto, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Modesto, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,392
American Family $5,161
Farmers $4,714
GEICO $3,482
Liberty Mutual $2,461
Nationwide $4,168
Progressive $3,031
State Farm $2,155
Travelers $2,699
USAA $3,953

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Cheapest Modesto, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Modesto, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,657 $5,657
American Family $3,673 $3,769
Farmers $4,447 $4,447
GEICO $2,519 $2,617
Liberty Mutual $2,367 $2,367
Nationwide $3,387 $3,387
Progressive $3,320 $3,320
State Farm $2,101 $2,209
Travelers $2,236 $2,417
USAA $2,737 $2,896

The Best Cheap Car Insurance Companies in Modesto, IL

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

Average Annual Car Insurance Rates by Company in Modesto, Illinois

Insurance Company Average Annual Rates
Allstate $5,657
American Family $3,721
Farmers $4,447
GEICO $2,568
Liberty Mutual $2,367
Nationwide $3,387
Progressive $3,320
State Farm $2,155
Travelers $2,327
USAA $2,816

Category Winners: Cheapest Car Insurance in Modesto, Illinois

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

Best Annual Car Insurance Rates by Company in Modesto, Illinois

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 Modesto, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Modesto, Illinois

Insurance Company Low Medium High
Allstate $5,482 $5,651 $5,836
American Family $3,601 $3,856 $3,705
Farmers $4,241 $4,346 $4,753
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,234 $2,362 $2,504
Nationwide $3,388 $3,412 $3,360
Progressive $3,073 $3,314 $3,572
State Farm $2,050 $2,158 $2,257
Travelers $2,191 $2,324 $2,465
USAA $2,632 $2,814 $3,004

What affects car insurance rates in Modesto, Illinois?

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

Commute Time in Modesto

The more time you spend in your car the higher the risk of an accident. The average commute length in Modesto, IL is 30.3 minutes according to City-Data.

Compare Car Insurance Quotes in Modesto, IL

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

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