Compare Shorewood, IL Car Insurance Rates (2021)

Car insurance in Shorewood, IL averages $285 a month. Shorewood, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Shorewood car insurance rates, compare quotes from the top car insurance companies in Shorewood, 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 Shorewood for teen drivers is Nationwide
  • Average car insurance rates in Shorewood, IL are $3,422/year
  • Average car insurance rates in Shorewood, IL after a DUI are $4,037/year

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

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

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

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

How do age, gender, and marital status affect Shorewood, IL car insurance rates? Every Shorewood, 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 Shorewood, 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 $3,485 $3,500 $3,656 $3,656 $9,198 $11,968 $4,194 $4,536
American Family $2,397 $2,397 $2,203 $2,203 $6,943 $9,560 $2,397 $3,102
Farmers $2,647 $2,645 $2,338 $2,483 $11,880 $12,401 $3,024 $3,147
GEICO $1,836 $1,898 $1,803 $2,032 $6,968 $7,203 $2,180 $2,250
Liberty Mutual $1,337 $1,440 $1,109 $1,239 $4,669 $5,193 $1,395 $1,465
Nationwide $1,513 $1,534 $1,357 $1,428 $4,118 $5,239 $1,760 $1,894
Progressive $2,039 $1,908 $1,689 $1,771 $7,678 $8,600 $2,422 $2,610
State Farm $1,592 $1,592 $1,444 $1,444 $5,093 $6,430 $1,806 $2,080
Travelers $1,665 $1,754 $1,549 $1,649 $5,145 $6,552 $1,758 $1,850
USAA $1,683 $1,700 $1,564 $1,526 $5,592 $6,151 $2,216 $2,415

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Minimum Car Insurance in Shorewood, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Shorewood, Illinois

Insurance Company Poor Fair Good
Allstate $7,024 $5,092 $4,456
American Family $5,169 $3,536 $2,996
Farmers $5,742 $4,854 $4,616
GEICO $5,268 $2,558 $1,987
Liberty Mutual $3,144 $1,976 $1,572
Nationwide $2,801 $2,274 $1,991
Progressive $4,079 $3,474 $3,216
State Farm $3,903 $2,338 $1,814
Travelers $3,326 $2,707 $2,187
USAA $3,797 $2,614 $2,156

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

Annual Shorewood, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,895 $6,739 $6,286 $5,176
American Family $2,868 $4,066 $5,415 $3,252
Farmers $4,277 $5,532 $5,394 $5,080
GEICO $2,169 $3,461 $4,911 $2,544
Liberty Mutual $1,855 $2,646 $2,316 $2,106
Nationwide $1,917 $2,453 $2,864 $2,187
Progressive $2,950 $4,412 $3,274 $3,723
State Farm $2,434 $2,935 $2,685 $2,685
Travelers $2,168 $2,859 $3,209 $2,725
USAA $2,027 $2,932 $4,015 $2,449

Cheapest Shorewood, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Shorewood, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,198 $11,968
American Family $6,943 $9,560
Farmers $11,880 $12,401
GEICO $6,968 $7,203
Liberty Mutual $4,669 $5,193
Nationwide $4,118 $5,239
Progressive $7,678 $8,600
State Farm $5,093 $6,430
Travelers $5,145 $6,552
USAA $5,592 $6,151

Cheapest Shorewood, IL Car Insurance for Seniors

Take a look at Shorewood, 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 Shorewood, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,656 $3,656
American Family $2,203 $2,203
Farmers $2,338 $2,483
GEICO $1,803 $2,032
Liberty Mutual $1,109 $1,239
Nationwide $1,357 $1,428
Progressive $1,689 $1,771
State Farm $1,444 $1,444
Travelers $1,549 $1,649
USAA $1,564 $1,526

Cheapest Shorewood, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Shorewood, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,286
American Family $5,415
Farmers $5,394
GEICO $4,911
Liberty Mutual $2,316
Nationwide $2,864
Progressive $3,274
State Farm $2,685
Travelers $3,209
USAA $4,015

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Cheapest Shorewood, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Shorewood, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,524 $5,524
American Family $3,851 $3,950
Farmers $5,071 $5,071
GEICO $3,216 $3,327
Liberty Mutual $2,231 $2,231
Nationwide $2,355 $2,355
Progressive $3,590 $3,590
State Farm $2,617 $2,753
Travelers $2,632 $2,848
USAA $2,776 $2,936

The Best Cheap Car Insurance Companies in Shorewood, IL

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

Average Annual Car Insurance Rates by Company in Shorewood, Illinois

Insurance Company Average Annual Rates
Allstate $5,524
American Family $3,900
Farmers $5,071
GEICO $3,271
Liberty Mutual $2,231
Nationwide $2,355
Progressive $3,590
State Farm $2,685
Travelers $2,740
USAA $2,856

Category Winners: Cheapest Car Insurance in Shorewood, Illinois

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

Best Annual Car Insurance Rates by Company in Shorewood, Illinois

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

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Cheapest Shorewood, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Shorewood, Illinois

Insurance Company Low Medium High
Allstate $5,360 $5,519 $5,693
American Family $3,737 $4,044 $3,920
Farmers $4,800 $4,938 $5,474
GEICO $2,953 $3,266 $3,595
Liberty Mutual $2,100 $2,226 $2,366
Nationwide $2,322 $2,377 $2,367
Progressive $3,258 $3,574 $3,937
State Farm $2,509 $2,690 $2,856
Travelers $2,542 $2,736 $2,942
USAA $2,669 $2,854 $3,045

What affects car insurance rates in Shorewood, Illinois?

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

Commute Time in Shorewood

The more time you spend in your car the higher the risk of an accident. The average commute length in Shorewood, IL is 31.0 minutes according to City-Data.

Compare Car Insurance Quotes in Shorewood, IL

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

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Average Monthly Car Insurance Rates by State