Compare San Jose, IL Car Insurance Rates (2021)

Car insurance in San Jose, IL averages $260 a month. San Jose, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap San Jose car insurance rates, compare quotes from the top car insurance companies in San Jose, 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

  • Average car insurance rates in San Jose, IL after a DUI are $3,642/year
  • The cheapest car insurance company in San Jose is Liberty Mutual
  • Average car insurance rates in San Jose, IL are $3,117/year

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

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

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

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

How do age, gender, and marital status affect San Jose, IL car insurance rates? Every San Jose, 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 San Jose, 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 $3,259 $3,274 $3,383 $3,383 $8,257 $10,766 $3,916 $4,232
American Family $2,500 $2,500 $2,280 $2,280 $6,909 $9,649 $2,500 $3,217
Farmers $2,316 $2,318 $2,060 $2,173 $9,608 $10,009 $2,639 $2,767
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,320 $1,426 $1,098 $1,226 $4,201 $4,675 $1,383 $1,464
Nationwide $1,704 $1,739 $1,515 $1,610 $4,566 $5,881 $1,972 $2,139
Progressive $1,954 $1,864 $1,608 $1,676 $6,795 $7,649 $2,337 $2,538
State Farm $1,363 $1,363 $1,204 $1,204 $3,731 $4,744 $1,536 $1,759
Travelers $1,469 $1,551 $1,326 $1,414 $4,072 $5,055 $1,561 $1,645
USAA $1,743 $1,788 $1,620 $1,612 $5,519 $6,112 $2,305 $2,557

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Minimum Car Insurance in San Jose, IL

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

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

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

Annual Car Insurance Rates by Credit Score in San Jose, Illinois

Insurance Company Poor Fair Good
Allstate $6,472 $4,648 $4,056
American Family $5,314 $3,594 $3,030
Farmers $4,825 $4,039 $3,844
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,968 $1,851 $1,478
Nationwide $3,154 $2,540 $2,228
Progressive $3,770 $3,192 $2,945
State Farm $3,073 $1,840 $1,427
Travelers $2,768 $2,212 $1,805
USAA $3,883 $2,655 $2,184

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

Annual San Jose, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,694 $6,093 $5,679 $4,770
American Family $2,926 $4,148 $5,524 $3,321
Farmers $3,582 $4,605 $4,490 $4,268
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,756 $2,472 $2,182 $1,987
Nationwide $2,125 $2,754 $3,240 $2,443
Progressive $2,729 $4,016 $3,017 $3,449
State Farm $1,943 $2,283 $2,113 $2,113
Travelers $1,807 $2,357 $2,619 $2,262
USAA $2,077 $2,971 $4,078 $2,502

Cheapest San Jose, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in San Jose, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,257 $10,766
American Family $6,909 $9,649
Farmers $9,608 $10,009
GEICO $4,847 $5,129
Liberty Mutual $4,201 $4,675
Nationwide $4,566 $5,881
Progressive $6,795 $7,649
State Farm $3,731 $4,744
Travelers $4,072 $5,055
USAA $5,519 $6,112

Cheapest San Jose, IL Car Insurance for Seniors

Take a look at San Jose, 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 San Jose, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,383 $3,383
American Family $2,280 $2,280
Farmers $2,060 $2,173
GEICO $1,521 $1,797
Liberty Mutual $1,098 $1,226
Nationwide $1,515 $1,610
Progressive $1,608 $1,676
State Farm $1,204 $1,204
Travelers $1,326 $1,414
USAA $1,620 $1,612

Cheapest San Jose, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in San Jose, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,679
American Family $5,524
Farmers $4,490
GEICO $3,482
Liberty Mutual $2,182
Nationwide $3,240
Progressive $3,017
State Farm $2,113
Travelers $2,619
USAA $4,078

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Cheapest San Jose, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in San Jose, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,059 $5,059
American Family $3,928 $4,031
Farmers $4,236 $4,236
GEICO $2,519 $2,617
Liberty Mutual $2,099 $2,099
Nationwide $2,641 $2,641
Progressive $3,303 $3,303
State Farm $2,060 $2,166
Travelers $2,173 $2,350
USAA $2,825 $2,989

The Best Cheap Car Insurance Companies in San Jose, IL

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

Average Annual Car Insurance Rates by Company in San Jose, Illinois

Insurance Company Average Annual Rates
Allstate $5,059
American Family $3,980
Farmers $4,236
GEICO $2,568
Liberty Mutual $2,099
Nationwide $2,641
Progressive $3,303
State Farm $2,113
Travelers $2,262
USAA $2,907

Category Winners: Cheapest Car Insurance in San Jose, Illinois

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

Best Annual Car Insurance Rates by Company in San Jose, Illinois

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

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Cheapest San Jose, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in San Jose, Illinois

Insurance Company Low Medium High
Allstate $4,928 $5,055 $5,194
American Family $3,860 $4,124 $3,955
Farmers $4,043 $4,144 $4,522
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,986 $2,095 $2,216
Nationwide $2,646 $2,657 $2,619
Progressive $3,059 $3,297 $3,552
State Farm $2,014 $2,116 $2,209
Travelers $2,135 $2,259 $2,390
USAA $2,717 $2,904 $3,100

What affects car insurance rates in San Jose, Illinois?

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

Commute Time in San Jose

The more time you spend in your car the higher the risk of an accident. The average commute length in San Jose, IL is 26.5 minutes according to City-Data.

Compare Car Insurance Quotes in San Jose, IL

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

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Average Monthly Car Insurance Rates by State