Compare Seneca, IL Car Insurance Rates (2021)

Car insurance in Seneca, IL averages $255 a month. Seneca, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Seneca car insurance rates, compare quotes from the top car insurance companies in Seneca, 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 Seneca, IL after a DUI are $3,570/year
  • Average car insurance rates in Seneca, IL are $3,061/year
  • The cheapest car insurance company in Seneca is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Seneca, IL car insurance rates? Every Seneca, 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 Seneca, 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 $3,213 $3,227 $3,361 $3,361 $8,381 $10,919 $3,866 $4,181
American Family $2,414 $2,414 $2,210 $2,210 $6,824 $9,465 $2,414 $3,113
Farmers $2,353 $2,350 $2,087 $2,208 $10,133 $10,554 $2,691 $2,814
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,217 $1,312 $1,018 $1,135 $3,954 $4,391 $1,268 $1,333
Nationwide $1,479 $1,505 $1,321 $1,398 $3,944 $5,055 $1,710 $1,850
Progressive $1,927 $1,830 $1,589 $1,656 $6,871 $7,725 $2,303 $2,501
State Farm $1,373 $1,373 $1,229 $1,229 $3,939 $4,996 $1,552 $1,781
Travelers $1,575 $1,662 $1,446 $1,541 $4,631 $5,854 $1,666 $1,755
USAA $1,600 $1,645 $1,486 $1,482 $4,980 $5,522 $2,110 $2,346

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Minimum Car Insurance in Seneca, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Seneca, Illinois

Insurance Company Poor Fair Good
Allstate $6,453 $4,661 $4,077
American Family $5,166 $3,512 $2,970
Farmers $4,998 $4,202 $3,997
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,752 $1,728 $1,381
Nationwide $2,717 $2,199 $1,932
Progressive $3,760 $3,192 $2,949
State Farm $3,172 $1,903 $1,477
Travelers $3,068 $2,473 $2,008
USAA $3,539 $2,416 $1,985

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

Annual Seneca, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,607 $6,157 $5,736 $4,754
American Family $2,855 $4,049 $5,389 $3,238
Farmers $3,711 $4,789 $4,670 $4,425
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,632 $2,305 $2,029 $1,849
Nationwide $1,847 $2,379 $2,789 $2,115
Progressive $2,723 $4,026 $3,012 $3,439
State Farm $1,996 $2,373 $2,184 $2,184
Travelers $1,996 $2,619 $2,943 $2,507
USAA $1,898 $2,702 $3,703 $2,283

Cheapest Seneca, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Seneca, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,381 $10,919
American Family $6,824 $9,465
Farmers $10,133 $10,554
GEICO $4,524 $4,715
Liberty Mutual $3,954 $4,391
Nationwide $3,944 $5,055
Progressive $6,871 $7,725
State Farm $3,939 $4,996
Travelers $4,631 $5,854
USAA $4,980 $5,522

Cheapest Seneca, IL Car Insurance for Seniors

Take a look at Seneca, 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 Seneca, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,361 $3,361
American Family $2,210 $2,210
Farmers $2,087 $2,208
GEICO $1,429 $1,724
Liberty Mutual $1,018 $1,135
Nationwide $1,321 $1,398
Progressive $1,589 $1,656
State Farm $1,229 $1,229
Travelers $1,446 $1,541
USAA $1,486 $1,482

Cheapest Seneca, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Seneca, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,736
American Family $5,389
Farmers $4,670
GEICO $3,243
Liberty Mutual $2,029
Nationwide $2,789
Progressive $3,012
State Farm $2,184
Travelers $2,943
USAA $3,703

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Cheapest Seneca, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Seneca, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,064 $5,064
American Family $3,833 $3,933
Farmers $4,399 $4,399
GEICO $2,338 $2,425
Liberty Mutual $1,954 $1,954
Nationwide $2,283 $2,283
Progressive $3,300 $3,300
State Farm $2,129 $2,239
Travelers $2,418 $2,615
USAA $2,572 $2,721

The Best Cheap Car Insurance Companies in Seneca, IL

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

Average Annual Car Insurance Rates by Company in Seneca, Illinois

Insurance Company Average Annual Rates
Allstate $5,064
American Family $3,883
Farmers $4,399
GEICO $2,382
Liberty Mutual $1,954
Nationwide $2,283
Progressive $3,300
State Farm $2,184
Travelers $2,516
USAA $2,647

Category Winners: Cheapest Car Insurance in Seneca, Illinois

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

Best Annual Car Insurance Rates by Company in Seneca, Illinois

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

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Cheapest Seneca, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Seneca, Illinois

Insurance Company Low Medium High
Allstate $4,918 $5,059 $5,214
American Family $3,738 $4,025 $3,886
Farmers $4,188 $4,298 $4,710
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,844 $1,949 $2,067
Nationwide $2,267 $2,301 $2,280
Progressive $3,051 $3,295 $3,555
State Farm $2,060 $2,187 $2,305
Travelers $2,339 $2,513 $2,697
USAA $2,479 $2,643 $2,817

What affects car insurance rates in Seneca, Illinois?

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

Commute Time in Seneca

The more time you spend in your car the higher the risk of an accident. The average commute length in Seneca, IL is 28.4 minutes according to City-Data.

Compare Car Insurance Quotes in Seneca, IL

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

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Average Monthly Car Insurance Rates by State