Compare Niantic, IL Car Insurance Rates (2021)

Car insurance in Niantic, IL averages $252 a month. Niantic, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Niantic car insurance rates, compare quotes from the top car insurance companies in Niantic, 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 Niantic is Liberty Mutual
  • Average car insurance rates in Niantic, IL are $3,029/year
  • Average car insurance rates in Niantic, IL after a DUI are $3,538/year

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

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

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

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

How do age, gender, and marital status affect Niantic, IL car insurance rates? Every Niantic, 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 Niantic, 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 $3,062 $3,076 $3,198 $3,198 $7,947 $10,338 $3,681 $3,979
American Family $2,328 $2,328 $2,127 $2,127 $6,493 $9,036 $2,328 $2,999
Farmers $2,274 $2,274 $2,016 $2,132 $9,812 $10,233 $2,602 $2,725
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,370 $1,479 $1,139 $1,272 $4,494 $5,000 $1,433 $1,513
Nationwide $1,694 $1,726 $1,508 $1,600 $4,571 $5,876 $1,964 $2,129
Progressive $1,718 $1,621 $1,417 $1,480 $6,316 $7,088 $2,048 $2,223
State Farm $1,399 $1,399 $1,256 $1,256 $4,092 $5,176 $1,583 $1,827
Travelers $1,491 $1,573 $1,363 $1,453 $4,308 $5,414 $1,578 $1,662
USAA $1,644 $1,675 $1,530 $1,509 $5,299 $5,845 $2,166 $2,384

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Minimum Car Insurance in Niantic, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Niantic, Illinois

Insurance Company Poor Fair Good
Allstate $6,129 $4,429 $3,872
American Family $4,958 $3,363 $2,841
Farmers $4,838 $4,068 $3,870
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,129 $1,953 $1,556
Nationwide $3,142 $2,535 $2,223
Progressive $3,401 $2,892 $2,674
State Farm $3,266 $1,959 $1,521
Travelers $2,873 $2,312 $1,880
USAA $3,672 $2,521 $2,077

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

Annual Niantic, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,440 $5,836 $5,446 $4,518
American Family $2,734 $3,886 $5,161 $3,102
Farmers $3,594 $4,636 $4,520 $4,285
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,846 $2,613 $2,299 $2,093
Nationwide $2,122 $2,746 $3,229 $2,437
Progressive $2,464 $3,658 $2,727 $3,107
State Farm $2,049 $2,448 $2,249 $2,249
Travelers $1,874 $2,453 $2,744 $2,350
USAA $1,965 $2,823 $3,867 $2,370

Cheapest Niantic, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Niantic, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,947 $10,338
American Family $6,493 $9,036
Farmers $9,812 $10,233
GEICO $4,375 $4,641
Liberty Mutual $4,494 $5,000
Nationwide $4,571 $5,876
Progressive $6,316 $7,088
State Farm $4,092 $5,176
Travelers $4,308 $5,414
USAA $5,299 $5,845

Cheapest Niantic, IL Car Insurance for Seniors

Take a look at Niantic, 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 Niantic, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,198
American Family $2,127 $2,127
Farmers $2,016 $2,132
GEICO $1,364 $1,612
Liberty Mutual $1,139 $1,272
Nationwide $1,508 $1,600
Progressive $1,417 $1,480
State Farm $1,256 $1,256
Travelers $1,363 $1,453
USAA $1,530 $1,509

Cheapest Niantic, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Niantic, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,446
American Family $5,161
Farmers $4,520
GEICO $3,141
Liberty Mutual $2,299
Nationwide $3,229
Progressive $2,727
State Farm $2,249
Travelers $2,744
USAA $3,867

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Cheapest Niantic, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Niantic, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,810 $4,810
American Family $3,673 $3,769
Farmers $4,259 $4,259
GEICO $2,263 $2,351
Liberty Mutual $2,213 $2,213
Nationwide $2,633 $2,633
Progressive $2,989 $2,989
State Farm $2,192 $2,305
Travelers $2,263 $2,447
USAA $2,679 $2,834

The Best Cheap Car Insurance Companies in Niantic, IL

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

Average Annual Car Insurance Rates by Company in Niantic, Illinois

Insurance Company Average Annual Rates
Allstate $4,810
American Family $3,721
Farmers $4,259
GEICO $2,307
Liberty Mutual $2,213
Nationwide $2,633
Progressive $2,989
State Farm $2,249
Travelers $2,355
USAA $2,756

Category Winners: Cheapest Car Insurance in Niantic, Illinois

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

Best Annual Car Insurance Rates by Company in Niantic, Illinois

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

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Cheapest Niantic, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Niantic, Illinois

Insurance Company Low Medium High
Allstate $4,672 $4,805 $4,951
American Family $3,601 $3,856 $3,705
Farmers $4,053 $4,158 $4,565
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,090 $2,208 $2,340
Nationwide $2,632 $2,652 $2,616
Progressive $2,746 $2,983 $3,237
State Farm $2,123 $2,251 $2,372
Travelers $2,202 $2,352 $2,511
USAA $2,572 $2,754 $2,944

What affects car insurance rates in Niantic, Illinois?

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

Commute Time in Niantic

The more time you spend in your car the higher the risk of an accident. The average commute length in Niantic, IL is 24.4 minutes according to City-Data.

Compare Car Insurance Quotes in Niantic, IL

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

Free Car Insurance Comparison

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