Compare Pontiac, IL Car Insurance Rates (2021)

Car insurance in Pontiac, IL averages $240 a month. Pontiac, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Pontiac car insurance rates, compare quotes from the top car insurance companies in Pontiac, 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 Pontiac, IL after a DUI are $3,387/year
  • Average car insurance rates in Pontiac, IL are $2,886/year
  • The cheapest car insurance company in Pontiac is State Farm

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

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

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

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

How do age, gender, and marital status affect Pontiac, IL car insurance rates? Every Pontiac, 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 Pontiac, 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 $2,908 $2,920 $3,046 $3,046 $7,646 $9,967 $3,500 $3,786
American Family $2,205 $2,205 $2,021 $2,021 $6,253 $8,653 $2,205 $2,847
Farmers $2,144 $2,143 $1,903 $2,012 $9,185 $9,570 $2,451 $2,564
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,289 $1,391 $1,076 $1,202 $4,165 $4,633 $1,345 $1,418
Nationwide $1,726 $1,758 $1,536 $1,628 $4,722 $6,058 $2,007 $2,173
Progressive $1,590 $1,504 $1,309 $1,369 $5,785 $6,489 $1,898 $2,061
State Farm $1,217 $1,217 $1,088 $1,088 $3,497 $4,433 $1,376 $1,583
Travelers $1,257 $1,324 $1,149 $1,222 $3,546 $4,422 $1,329 $1,397
USAA $1,646 $1,691 $1,528 $1,521 $5,146 $5,708 $2,172 $2,413

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Minimum Car Insurance in Pontiac, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Pontiac, Illinois

Insurance Company Poor Fair Good
Allstate $5,851 $4,244 $3,712
American Family $4,719 $3,215 $2,720
Farmers $4,542 $3,817 $3,631
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,918 $1,822 $1,454
Nationwide $3,222 $2,602 $2,278
Progressive $3,136 $2,659 $2,457
State Farm $2,816 $1,687 $1,308
Travelers $2,385 $1,920 $1,562
USAA $3,649 $2,490 $2,046

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

Annual Pontiac, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,259 $5,598 $5,236 $4,316
American Family $2,608 $3,715 $4,923 $2,958
Farmers $3,374 $4,350 $4,242 $4,021
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,724 $2,436 $2,145 $1,954
Nationwide $2,179 $2,816 $3,308 $2,500
Progressive $2,271 $3,360 $2,510 $2,862
State Farm $1,770 $2,104 $1,937 $1,937
Travelers $1,566 $2,041 $2,262 $1,954
USAA $1,955 $2,785 $3,820 $2,352

Cheapest Pontiac, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Pontiac, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,646 $9,967
American Family $6,253 $8,653
Farmers $9,185 $9,570
GEICO $4,847 $5,129
Liberty Mutual $4,165 $4,633
Nationwide $4,722 $6,058
Progressive $5,785 $6,489
State Farm $3,497 $4,433
Travelers $3,546 $4,422
USAA $5,146 $5,708

Cheapest Pontiac, IL Car Insurance for Seniors

Take a look at Pontiac, 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 Pontiac, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,046 $3,046
American Family $2,021 $2,021
Farmers $1,903 $2,012
GEICO $1,521 $1,797
Liberty Mutual $1,076 $1,202
Nationwide $1,536 $1,628
Progressive $1,309 $1,369
State Farm $1,088 $1,088
Travelers $1,149 $1,222
USAA $1,528 $1,521

Cheapest Pontiac, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Pontiac, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,236
American Family $4,923
Farmers $4,242
GEICO $3,482
Liberty Mutual $2,145
Nationwide $3,308
Progressive $2,510
State Farm $1,937
Travelers $2,262
USAA $3,820

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Cheapest Pontiac, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Pontiac, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,602 $4,602
American Family $3,506 $3,597
Farmers $3,997 $3,997
GEICO $2,519 $2,617
Liberty Mutual $2,065 $2,065
Nationwide $2,701 $2,701
Progressive $2,751 $2,751
State Farm $1,888 $1,986
Travelers $1,880 $2,031
USAA $2,651 $2,805

The Best Cheap Car Insurance Companies in Pontiac, IL

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

Average Annual Car Insurance Rates by Company in Pontiac, Illinois

Insurance Company Average Annual Rates
Allstate $4,602
American Family $3,551
Farmers $3,997
GEICO $2,568
Liberty Mutual $2,065
Nationwide $2,701
Progressive $2,751
State Farm $1,937
Travelers $1,956
USAA $2,728

Category Winners: Cheapest Car Insurance in Pontiac, Illinois

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

Best Annual Car Insurance Rates by Company in Pontiac, Illinois

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

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Cheapest Pontiac, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Pontiac, Illinois

Insurance Company Low Medium High
Allstate $4,479 $4,598 $4,730
American Family $3,427 $3,681 $3,545
Farmers $3,806 $3,904 $4,280
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,944 $2,060 $2,191
Nationwide $2,706 $2,719 $2,678
Progressive $2,549 $2,743 $2,959
State Farm $1,835 $1,941 $2,036
Travelers $1,846 $1,954 $2,068
USAA $2,560 $2,725 $2,900

What affects car insurance rates in Pontiac, Illinois?

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

Commute Time in Pontiac

The more time you spend in your car the higher the risk of an accident. The average commute length in Pontiac, IL is 17.6 minutes according to City-Data.

Compare Car Insurance Quotes in Pontiac, IL

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

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