Compare Schaumburg, IL Car Insurance Rates (2021)

Car insurance in Schaumburg, IL averages $293 a month. Schaumburg, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Schaumburg car insurance rates, compare quotes from the top car insurance companies in Schaumburg, 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 Schaumburg, IL are $3,521/year
  • The cheapest ZIP code in Schaumburg is 60195
  • Average car insurance rates in Schaumburg, IL after a DUI are $4,116/year

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

You’ll find Schaumburg car insurance rates, the cheapest Schaumburg, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Schaumburg, Illinois car insurance rates to Rockford car insurance rates, Elgin car insurance rates, and Cicero car insurance rates.

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

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

How do age, gender, and marital status affect Schaumburg, IL car insurance rates? Every Schaumburg, 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 Schaumburg, 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 $3,730 $3,746 $3,915 $3,915 $9,877 $12,834 $4,489 $4,854
American Family $2,473 $2,473 $2,273 $2,273 $7,182 $9,887 $2,473 $3,201
Farmers $2,726 $2,725 $2,405 $2,555 $12,402 $12,959 $3,117 $3,241
GEICO $1,701 $1,753 $1,664 $1,873 $6,081 $6,249 $1,953 $2,018
Liberty Mutual $1,431 $1,540 $1,182 $1,320 $5,145 $5,720 $1,496 $1,573
Nationwide $1,751 $1,774 $1,567 $1,650 $4,815 $6,140 $2,042 $2,202
Progressive $2,156 $2,016 $1,786 $1,872 $8,217 $9,207 $2,566 $2,774
State Farm $1,606 $1,606 $1,458 $1,458 $5,182 $6,534 $1,823 $2,108
Travelers $1,656 $1,745 $1,540 $1,639 $5,115 $6,505 $1,749 $1,840
USAA $1,568 $1,587 $1,459 $1,429 $5,139 $5,652 $2,060 $2,250

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Minimum Car Insurance in Schaumburg, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Schaumburg, Illinois

Insurance Company Poor Fair Good
Allstate $7,525 $5,458 $4,777
American Family $5,341 $3,652 $3,095
Farmers $5,957 $5,045 $4,797
GEICO $4,679 $2,281 $1,775
Liberty Mutual $3,422 $2,149 $1,705
Nationwide $3,265 $2,647 $2,316
Progressive $4,338 $3,703 $3,432
State Farm $3,957 $2,370 $1,839
Travelers $3,304 $2,692 $2,174
USAA $3,513 $2,420 $1,997

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

Annual Schaumburg, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,162 $7,228 $6,745 $5,544
American Family $2,963 $4,196 $5,597 $3,360
Farmers $4,441 $5,749 $5,605 $5,271
GEICO $1,963 $3,127 $4,251 $2,306
Liberty Mutual $2,011 $2,883 $2,520 $2,289
Nationwide $2,224 $2,858 $3,346 $2,544
Progressive $3,139 $4,710 $3,484 $3,964
State Farm $2,466 $2,978 $2,722 $2,722
Travelers $2,157 $2,845 $3,183 $2,709
USAA $1,881 $2,713 $3,709 $2,270

Cheapest Schaumburg, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Schaumburg, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,877 $12,834
American Family $7,182 $9,887
Farmers $12,402 $12,959
GEICO $6,081 $6,249
Liberty Mutual $5,145 $5,720
Nationwide $4,815 $6,140
Progressive $8,217 $9,207
State Farm $5,182 $6,534
Travelers $5,115 $6,505
USAA $5,139 $5,652

Cheapest Schaumburg, IL Car Insurance for Seniors

Take a look at Schaumburg, 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 Schaumburg, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,915 $3,915
American Family $2,273 $2,273
Farmers $2,405 $2,555
GEICO $1,664 $1,873
Liberty Mutual $1,182 $1,320
Nationwide $1,567 $1,650
Progressive $1,786 $1,872
State Farm $1,458 $1,458
Travelers $1,540 $1,639
USAA $1,459 $1,429

Cheapest Schaumburg, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Schaumburg, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,745
American Family $5,597
Farmers $5,605
GEICO $4,251
Liberty Mutual $2,520
Nationwide $3,346
Progressive $3,484
State Farm $2,722
Travelers $3,183
USAA $3,709

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Cheapest Schaumburg, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Schaumburg, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,920 $5,920
American Family $3,978 $4,080
Farmers $5,266 $5,266
GEICO $2,864 $2,960
Liberty Mutual $2,426 $2,426
Nationwide $2,743 $2,743
Progressive $3,824 $3,824
State Farm $2,654 $2,790
Travelers $2,616 $2,831
USAA $2,569 $2,717

Cheapest Schaumburg, IL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Schaumburg, Illinois

ZIP Code Average Annual Rates
60173 $3,488
60193 $3,527
60194 $3,499
60195 $3,484

The Best Cheap Car Insurance Companies in Schaumburg, IL

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

Average Annual Car Insurance Rates by Company in Schaumburg, Illinois

Insurance Company Average Annual Rates
Allstate $5,920
American Family $4,029
Farmers $5,266
GEICO $2,912
Liberty Mutual $2,426
Nationwide $2,743
Progressive $3,824
State Farm $2,722
Travelers $2,724
USAA $2,643

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Category Winners: Cheapest Car Insurance in Schaumburg, Illinois

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

Best Annual Car Insurance Rates by Company in Schaumburg, Illinois

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

Cheapest Schaumburg, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Schaumburg, Illinois

Insurance Company Low Medium High
Allstate $5,741 $5,915 $6,104
American Family $3,856 $4,178 $4,054
Farmers $4,978 $5,123 $5,697
GEICO $2,626 $2,912 $3,198
Liberty Mutual $2,290 $2,421 $2,566
Nationwide $2,684 $2,773 $2,772
Progressive $3,483 $3,812 $4,179
State Farm $2,550 $2,727 $2,888
Travelers $2,534 $2,720 $2,916
USAA $2,463 $2,641 $2,826

What affects car insurance rates in Schaumburg, Illinois?

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

Commute Time in Schaumburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Schaumburg, IL is 30.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Schaumburg, IL

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

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

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Average Monthly Car Insurance Rates by State