Compare Oswego, IL Car Insurance Rates (2021)

Car insurance in Oswego, IL averages $266 a month. Oswego, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Oswego car insurance rates, compare quotes from the top car insurance companies in Oswego, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Oswego is Liberty Mutual
  • Average car insurance rates in Oswego, IL are $3,193/year
  • Average car insurance rates in Oswego, IL after a DUI are $3,733/year

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

You’ll find Oswego car insurance rates, the cheapest Oswego, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Oswego, Illinois car insurance rates to Champaign car insurance rates, Aurora car insurance rates, and Rockford car insurance rates.

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

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

How do age, gender, and marital status affect Oswego, IL car insurance rates? Every Oswego, 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 Oswego, 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 $3,186 $3,200 $3,343 $3,343 $8,407 $10,930 $3,834 $4,145
American Family $2,218 $2,218 $2,037 $2,037 $6,388 $8,804 $2,218 $2,866
Farmers $2,374 $2,368 $2,100 $2,229 $10,591 $11,034 $2,716 $2,827
GEICO $1,707 $1,756 $1,668 $1,875 $5,994 $6,188 $1,927 $2,001
Liberty Mutual $1,297 $1,396 $1,075 $1,201 $4,573 $5,086 $1,353 $1,421
Nationwide $1,682 $1,706 $1,503 $1,585 $4,616 $5,894 $1,959 $2,114
Progressive $2,114 $1,974 $1,751 $1,838 $8,062 $9,032 $2,510 $2,707
State Farm $1,370 $1,370 $1,243 $1,243 $4,413 $5,570 $1,555 $1,795
Travelers $1,487 $1,565 $1,381 $1,468 $4,512 $5,720 $1,569 $1,650
USAA $1,524 $1,542 $1,420 $1,389 $4,992 $5,487 $2,000 $2,184

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Minimum Car Insurance in Oswego, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Oswego, Illinois

Insurance Company Poor Fair Good
Allstate $6,421 $4,652 $4,072
American Family $4,771 $3,261 $2,763
Farmers $5,132 $4,335 $4,122
GEICO $4,643 $2,263 $1,762
Liberty Mutual $3,065 $1,928 $1,534
Nationwide $3,134 $2,540 $2,224
Progressive $4,254 $3,629 $3,362
State Farm $3,374 $2,019 $1,566
Travelers $2,937 $2,388 $1,932
USAA $3,410 $2,351 $1,941

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

Annual Oswego, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,557 $6,164 $5,742 $4,730
American Family $2,644 $3,762 $4,990 $2,998
Farmers $3,818 $4,941 $4,818 $4,543
GEICO $1,954 $3,155 $4,153 $2,297
Liberty Mutual $1,808 $2,581 $2,259 $2,054
Nationwide $2,133 $2,743 $3,213 $2,441
Progressive $3,077 $4,616 $3,417 $3,885
State Farm $2,102 $2,538 $2,320 $2,320
Travelers $1,921 $2,525 $2,822 $2,408
USAA $1,827 $2,636 $3,601 $2,205

Cheapest Oswego, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oswego, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,407 $10,930
American Family $6,388 $8,804
Farmers $10,591 $11,034
GEICO $5,994 $6,188
Liberty Mutual $4,573 $5,086
Nationwide $4,616 $5,894
Progressive $8,062 $9,032
State Farm $4,413 $5,570
Travelers $4,512 $5,720
USAA $4,992 $5,487

Cheapest Oswego, IL Car Insurance for Seniors

Take a look at Oswego, 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 Oswego, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,343 $3,343
American Family $2,037 $2,037
Farmers $2,100 $2,229
GEICO $1,668 $1,875
Liberty Mutual $1,075 $1,201
Nationwide $1,503 $1,585
Progressive $1,751 $1,838
State Farm $1,243 $1,243
Travelers $1,381 $1,468
USAA $1,420 $1,389

Cheapest Oswego, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oswego, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,742
American Family $4,990
Farmers $4,818
GEICO $4,153
Liberty Mutual $2,259
Nationwide $3,213
Progressive $3,417
State Farm $2,320
Travelers $2,822
USAA $3,601

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Cheapest Oswego, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oswego, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,048 $5,048
American Family $3,553 $3,644
Farmers $4,530 $4,530
GEICO $2,841 $2,939
Liberty Mutual $2,175 $2,175
Nationwide $2,632 $2,632
Progressive $3,748 $3,748
State Farm $2,261 $2,379
Travelers $2,325 $2,513
USAA $2,495 $2,639

The Best Cheap Car Insurance Companies in Oswego, IL

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

Average Annual Car Insurance Rates by Company in Oswego, Illinois

Insurance Company Average Annual Rates
Allstate $5,048
American Family $3,598
Farmers $4,530
GEICO $2,890
Liberty Mutual $2,175
Nationwide $2,632
Progressive $3,748
State Farm $2,320
Travelers $2,419
USAA $2,567

Category Winners: Cheapest Car Insurance in Oswego, Illinois

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

Best Annual Car Insurance Rates by Company in Oswego, Illinois

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

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Cheapest Oswego, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oswego, Illinois

Insurance Company Low Medium High
Allstate $4,891 $5,044 $5,210
American Family $3,447 $3,731 $3,617
Farmers $4,298 $4,419 $4,873
GEICO $2,607 $2,884 $3,178
Liberty Mutual $2,047 $2,171 $2,308
Nationwide $2,596 $2,658 $2,643
Progressive $3,385 $3,734 $4,126
State Farm $2,173 $2,325 $2,462
Travelers $2,255 $2,415 $2,586
USAA $2,389 $2,565 $2,748

What affects car insurance rates in Oswego, Illinois?

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

Commute Time in Oswego

The more time you spend in your car the higher the risk of an accident. The average commute length in Oswego, IL is 33.8 minutes according to City-Data.

Compare Car Insurance Quotes in Oswego, IL

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

Free Car Insurance Comparison

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