Compare Mount Morris, IL Car Insurance Rates (2021)

Car insurance in Mount Morris, IL averages $249 a month. Mount Morris, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Mount Morris car insurance rates, compare quotes from the top car insurance companies in Mount Morris, 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 Mount Morris for teen drivers is State Farm
  • Average car insurance rates in Mount Morris, IL are $2,987/year
  • Average car insurance rates in Mount Morris, IL after a DUI are $3,479/year

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

You’ll find Mount Morris car insurance rates, the cheapest Mount Morris, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Mount Morris, Illinois car insurance rates to Champaign car insurance rates, Joliet car insurance rates, and Springfield car insurance rates.

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

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

How do age, gender, and marital status affect Mount Morris, IL car insurance rates? Every Mount Morris, 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 Mount Morris, 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 $3,209 $3,224 $3,354 $3,354 $8,342 $10,860 $3,860 $4,174
American Family $2,217 $2,217 $2,034 $2,034 $6,337 $8,753 $2,217 $2,863
Farmers $2,226 $2,225 $1,977 $2,091 $9,452 $9,839 $2,541 $2,658
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,410 $1,521 $1,170 $1,305 $4,724 $5,248 $1,478 $1,562
Nationwide $1,487 $1,513 $1,329 $1,405 $3,961 $5,072 $1,719 $1,858
Progressive $1,864 $1,773 $1,537 $1,604 $6,504 $7,302 $2,225 $2,401
State Farm $1,320 $1,320 $1,173 $1,173 $3,664 $4,653 $1,488 $1,704
Travelers $1,440 $1,520 $1,302 $1,387 $3,998 $4,971 $1,529 $1,610
USAA $1,618 $1,654 $1,505 $1,491 $5,149 $5,691 $2,133 $2,356

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Minimum Car Insurance in Mount Morris, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Mount Morris, Illinois

Insurance Company Poor Fair Good
Allstate $6,434 $4,645 $4,062
American Family $4,757 $3,246 $2,749
Farmers $4,693 $3,939 $3,747
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,257 $2,033 $1,617
Nationwide $2,730 $2,209 $1,940
Progressive $3,602 $3,044 $2,808
State Farm $2,994 $1,796 $1,395
Travelers $2,715 $2,172 $1,771
USAA $3,600 $2,467 $2,031

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

Annual Mount Morris, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,605 $6,130 $5,712 $4,740
American Family $2,633 $3,748 $4,970 $2,986
Farmers $3,484 $4,490 $4,378 $4,152
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,916 $2,722 $2,394 $2,177
Nationwide $1,857 $2,389 $2,800 $2,126
Progressive $2,605 $3,833 $2,880 $3,288
State Farm $1,892 $2,232 $2,062 $2,062
Travelers $1,774 $2,313 $2,572 $2,220
USAA $1,929 $2,762 $3,784 $2,324

Cheapest Mount Morris, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Mount Morris, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,342 $10,860
American Family $6,337 $8,753
Farmers $9,452 $9,839
GEICO $4,524 $4,715
Liberty Mutual $4,724 $5,248
Nationwide $3,961 $5,072
Progressive $6,504 $7,302
State Farm $3,664 $4,653
Travelers $3,998 $4,971
USAA $5,149 $5,691

Cheapest Mount Morris, IL Car Insurance for Seniors

Take a look at Mount Morris, 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 Mount Morris, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,354 $3,354
American Family $2,034 $2,034
Farmers $1,977 $2,091
GEICO $1,429 $1,724
Liberty Mutual $1,170 $1,305
Nationwide $1,329 $1,405
Progressive $1,537 $1,604
State Farm $1,173 $1,173
Travelers $1,302 $1,387
USAA $1,505 $1,491

Cheapest Mount Morris, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Mount Morris, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,712
American Family $4,970
Farmers $4,378
GEICO $3,243
Liberty Mutual $2,394
Nationwide $2,800
Progressive $2,880
State Farm $2,062
Travelers $2,572
USAA $3,784

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Cheapest Mount Morris, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Mount Morris, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,047 $5,047
American Family $3,538 $3,630
Farmers $4,126 $4,126
GEICO $2,338 $2,425
Liberty Mutual $2,302 $2,302
Nationwide $2,293 $2,293
Progressive $3,151 $3,151
State Farm $2,010 $2,113
Travelers $2,133 $2,306
USAA $2,624 $2,776

The Best Cheap Car Insurance Companies in Mount Morris, IL

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

Average Annual Car Insurance Rates by Company in Mount Morris, Illinois

Insurance Company Average Annual Rates
Allstate $5,047
American Family $3,584
Farmers $4,126
GEICO $2,382
Liberty Mutual $2,302
Nationwide $2,293
Progressive $3,151
State Farm $2,062
Travelers $2,220
USAA $2,700

Category Winners: Cheapest Car Insurance in Mount Morris, Illinois

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

Best Annual Car Insurance Rates by Company in Mount Morris, Illinois

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

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Cheapest Mount Morris, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Mount Morris, Illinois

Insurance Company Low Medium High
Allstate $4,902 $5,043 $5,197
American Family $3,443 $3,716 $3,593
Farmers $3,932 $4,034 $4,413
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,186 $2,298 $2,423
Nationwide $2,276 $2,311 $2,292
Progressive $2,921 $3,138 $3,394
State Farm $1,953 $2,063 $2,169
Travelers $2,093 $2,217 $2,349
USAA $2,521 $2,697 $2,882

What affects car insurance rates in Mount Morris, Illinois?

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

Commute Time in Mount Morris

The more time you spend in your car the higher the risk of an accident. The average commute length in Mount Morris, IL is 19.1 minutes according to City-Data.

Compare Car Insurance Quotes in Mount Morris, IL

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

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