Compare Normal, IL Car Insurance Rates (2021)

Car insurance in Normal, IL averages $244 a month. Normal, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Normal car insurance rates, compare quotes from the top car insurance companies in Normal, 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 Normal for teen drivers is Nationwide
  • The cheapest car insurance company in Normal is Nationwide
  • The cheapest ZIP code in Normal is 61761

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

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

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

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

How do age, gender, and marital status affect Normal, IL car insurance rates? Every Normal, 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 Normal, 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 $2,868 $2,880 $3,005 $3,005 $7,548 $9,836 $3,452 $3,735
American Family $2,106 $2,106 $1,934 $1,934 $6,051 $8,339 $2,106 $2,722
Farmers $2,160 $2,159 $1,912 $2,027 $9,553 $9,962 $2,472 $2,578
GEICO $1,548 $1,561 $1,470 $1,755 $4,730 $4,967 $1,944 $1,878
Liberty Mutual $1,287 $1,385 $1,066 $1,188 $4,418 $4,907 $1,349 $1,422
Nationwide $1,308 $1,327 $1,174 $1,236 $3,510 $4,469 $1,516 $1,632
Progressive $1,673 $1,573 $1,384 $1,444 $6,272 $7,026 $1,995 $2,164
State Farm $1,301 $1,301 $1,172 $1,172 $3,879 $4,907 $1,475 $1,704
Travelers $1,971 $2,080 $1,799 $1,919 $5,889 $7,405 $2,096 $2,209
USAA $1,387 $1,405 $1,296 $1,272 $4,481 $4,914 $1,813 $1,981

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Minimum Car Insurance in Normal, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Normal, Illinois

Insurance Company Poor Fair Good
Allstate $5,771 $4,189 $3,663
American Family $4,523 $3,093 $2,621
Farmers $4,654 $3,924 $3,731
GEICO $3,977 $1,948 $1,520
Liberty Mutual $2,997 $1,884 $1,501
Nationwide $2,398 $1,952 $1,715
Progressive $3,341 $2,846 $2,636
State Farm $3,074 $1,841 $1,427
Travelers $3,863 $3,122 $2,529
USAA $3,074 $2,125 $1,757

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

Annual Normal, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,214 $5,523 $5,170 $4,258
American Family $2,506 $3,574 $4,728 $2,841
Farmers $3,460 $4,472 $4,361 $4,119
GEICO $1,821 $2,430 $3,402 $2,274
Liberty Mutual $1,771 $2,518 $2,211 $2,011
Nationwide $1,647 $2,104 $2,457 $1,878
Progressive $2,423 $3,609 $2,682 $3,052
State Farm $1,922 $2,306 $2,114 $2,114
Travelers $2,513 $3,315 $3,693 $3,164
USAA $1,654 $2,381 $3,244 $1,995

Cheapest Normal, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Normal, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,548 $9,836
American Family $6,051 $8,339
Farmers $9,553 $9,962
GEICO $4,730 $4,967
Liberty Mutual $4,418 $4,907
Nationwide $3,510 $4,469
Progressive $6,272 $7,026
State Farm $3,879 $4,907
Travelers $5,889 $7,405
USAA $4,481 $4,914

Cheapest Normal, IL Car Insurance for Seniors

Take a look at Normal, 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 Normal, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,005 $3,005
American Family $1,934 $1,934
Farmers $1,912 $2,027
GEICO $1,470 $1,755
Liberty Mutual $1,066 $1,188
Nationwide $1,174 $1,236
Progressive $1,384 $1,444
State Farm $1,172 $1,172
Travelers $1,799 $1,919
USAA $1,296 $1,272

Cheapest Normal, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Normal, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,170
American Family $4,728
Farmers $4,361
GEICO $3,402
Liberty Mutual $2,211
Nationwide $2,457
Progressive $2,682
State Farm $2,114
Travelers $3,693
USAA $3,244

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Cheapest Normal, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Normal, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,541 $4,541
American Family $3,369 $3,456
Farmers $4,103 $4,103
GEICO $2,436 $2,527
Liberty Mutual $2,128 $2,128
Nationwide $2,022 $2,022
Progressive $2,941 $2,941
State Farm $2,060 $2,168
Travelers $3,045 $3,298
USAA $2,254 $2,383

Cheapest Normal, IL Car Insurance Rates by ZIP Code

Normal car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Normal, IL.

Annual Car Insurance Rates by ZIP Code in Normal, Illinois

ZIP Code Average Annual Rates
61761 $2,760
61790 $3,013

The Best Cheap Car Insurance Companies in Normal, IL

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

Average Annual Car Insurance Rates by Company in Normal, Illinois

Insurance Company Average Annual Rates
Allstate $4,541
American Family $3,412
Farmers $4,103
GEICO $2,482
Liberty Mutual $2,128
Nationwide $2,022
Progressive $2,941
State Farm $2,114
Travelers $3,171
USAA $2,318

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Category Winners: Cheapest Car Insurance in Normal, Illinois

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

Best Annual Car Insurance Rates by Company in Normal, Illinois

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

Cheapest Normal, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Normal, Illinois

Insurance Company Low Medium High
Allstate $4,420 $4,537 $4,666
American Family $3,276 $3,537 $3,423
Farmers $3,892 $3,999 $4,418
GEICO $2,281 $2,477 $2,687
Liberty Mutual $2,022 $2,124 $2,236
Nationwide $2,005 $2,039 $2,021
Progressive $2,715 $2,935 $3,174
State Farm $1,994 $2,119 $2,229
Travelers $2,976 $3,168 $3,370
USAA $2,143 $2,316 $2,496

What affects car insurance rates in Normal, Illinois?

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

Commute Time in Normal

The more time you spend in your car the higher the risk of an accident. The average commute length in Normal, IL is 16.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Normal, IL

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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