Compare Muddy, IL Car Insurance Rates (2021)

Car insurance in Muddy, IL averages $286 a month. Muddy, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Muddy car insurance rates, compare quotes from the top car insurance companies in Muddy, 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 Muddy, IL after a DUI are $4,016/year
  • Average car insurance rates in Muddy, IL are $3,430/year
  • The cheapest car insurance company in Muddy is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Muddy, IL car insurance rates? Every Muddy, 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 Muddy, 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 $3,280 $3,296 $3,417 $3,417 $8,393 $10,889 $3,939 $4,253
American Family $2,431 $2,431 $2,219 $2,219 $6,753 $9,419 $2,431 $3,129
Farmers $2,448 $2,458 $2,172 $2,292 $10,388 $10,863 $2,789 $2,923
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,404 $1,519 $1,167 $1,306 $4,389 $4,888 $1,471 $1,560
Nationwide $1,962 $2,001 $1,741 $1,852 $5,337 $6,882 $2,279 $2,476
Progressive $1,810 $1,709 $1,488 $1,562 $6,621 $7,439 $2,153 $2,338
State Farm $1,505 $1,505 $1,337 $1,337 $4,130 $5,264 $1,696 $1,928
Travelers $2,605 $2,755 $2,366 $2,530 $7,852 $9,892 $2,780 $2,934
USAA $1,666 $1,690 $1,551 $1,522 $5,467 $6,018 $2,195 $2,404

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Minimum Car Insurance in Muddy, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Muddy, Illinois

Insurance Company Poor Fair Good
Allstate $6,538 $4,691 $4,102
American Family $5,175 $3,504 $2,957
Farmers $5,163 $4,335 $4,127
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,136 $1,947 $1,555
Nationwide $3,665 $2,949 $2,584
Progressive $3,578 $3,037 $2,805
State Farm $3,393 $2,037 $1,583
Travelers $5,140 $4,145 $3,357
USAA $3,742 $2,576 $2,125

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

Annual Muddy, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,690 $6,200 $5,743 $4,809
American Family $2,851 $4,046 $5,383 $3,236
Farmers $3,843 $4,940 $4,817 $4,566
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,852 $2,604 $2,300 $2,095
Nationwide $2,461 $3,200 $3,771 $2,834
Progressive $2,587 $3,840 $2,865 $3,267
State Farm $2,148 $2,527 $2,338 $2,338
Travelers $3,325 $4,400 $4,927 $4,206
USAA $2,000 $2,887 $3,954 $2,415

Cheapest Muddy, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Muddy, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,393 $10,889
American Family $6,753 $9,419
Farmers $10,388 $10,863
GEICO $5,690 $6,014
Liberty Mutual $4,389 $4,888
Nationwide $5,337 $6,882
Progressive $6,621 $7,439
State Farm $4,130 $5,264
Travelers $7,852 $9,892
USAA $5,467 $6,018

Cheapest Muddy, IL Car Insurance for Seniors

Take a look at Muddy, 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 Muddy, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,417 $3,417
American Family $2,219 $2,219
Farmers $2,172 $2,292
GEICO $1,757 $2,095
Liberty Mutual $1,167 $1,306
Nationwide $1,741 $1,852
Progressive $1,488 $1,562
State Farm $1,337 $1,337
Travelers $2,366 $2,530
USAA $1,551 $1,522

Cheapest Muddy, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Muddy, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,743
American Family $5,383
Farmers $4,817
GEICO $4,060
Liberty Mutual $2,300
Nationwide $3,771
Progressive $2,865
State Farm $2,338
Travelers $4,927
USAA $3,954

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Cheapest Muddy, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Muddy, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,110 $5,110
American Family $3,828 $3,929
Farmers $4,542 $4,542
GEICO $2,920 $3,043
Liberty Mutual $2,213 $2,213
Nationwide $3,066 $3,066
Progressive $3,140 $3,140
State Farm $2,278 $2,398
Travelers $4,044 $4,385
USAA $2,735 $2,893

The Best Cheap Car Insurance Companies in Muddy, IL

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

Average Annual Car Insurance Rates by Company in Muddy, Illinois

Insurance Company Average Annual Rates
Allstate $5,110
American Family $3,879
Farmers $4,542
GEICO $2,982
Liberty Mutual $2,213
Nationwide $3,066
Progressive $3,140
State Farm $2,338
Travelers $4,214
USAA $2,814

Category Winners: Cheapest Car Insurance in Muddy, Illinois

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

Best Annual Car Insurance Rates by Company in Muddy, Illinois

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

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Cheapest Muddy, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Muddy, Illinois

Insurance Company Low Medium High
Allstate $4,941 $5,105 $5,285
American Family $3,750 $4,020 $3,866
Farmers $4,317 $4,429 $4,879
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,091 $2,208 $2,340
Nationwide $3,060 $3,090 $3,049
Progressive $2,857 $3,131 $3,432
State Farm $2,203 $2,340 $2,470
Travelers $3,940 $4,209 $4,494
USAA $2,621 $2,812 $3,010

What affects car insurance rates in Muddy, Illinois?

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

Commute Time in Muddy

The more time you spend in your car the higher the risk of an accident. The average commute length in Muddy, IL is 19.3 minutes according to City-Data.

Compare Car Insurance Quotes in Muddy, IL

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

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