Compare Sims, IL Car Insurance Rates (2021)

Car insurance in Sims, IL averages $261 a month. Sims, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Sims car insurance rates, compare quotes from the top car insurance companies in Sims, 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 Sims for teen drivers is Travelers
  • Average car insurance rates in Sims, IL after a DUI are $3,655/year
  • The cheapest car insurance company in Sims is Travelers

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

You’ll find Sims car insurance rates, the cheapest Sims, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Sims, Illinois car insurance rates to Springfield car insurance rates, Aurora car insurance rates, and Joliet car insurance rates.

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

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

How do age, gender, and marital status affect Sims, IL car insurance rates? Every Sims, 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 Sims, 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 $2,815 $2,828 $2,937 $2,937 $7,239 $9,407 $3,382 $3,654
American Family $2,165 $2,165 $1,978 $1,978 $6,009 $8,367 $2,165 $2,787
Farmers $2,284 $2,291 $2,036 $2,140 $9,182 $9,573 $2,601 $2,740
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,389 $1,503 $1,156 $1,294 $4,314 $4,804 $1,454 $1,540
Nationwide $2,166 $2,208 $1,920 $2,041 $5,974 $7,701 $2,524 $2,742
Progressive $2,184 $2,100 $1,799 $1,876 $7,031 $7,919 $2,603 $2,787
State Farm $1,459 $1,459 $1,280 $1,280 $3,854 $4,915 $1,642 $1,871
Travelers $1,410 $1,489 $1,261 $1,345 $3,766 $4,641 $1,500 $1,580
USAA $1,706 $1,737 $1,586 $1,562 $5,528 $6,101 $2,251 $2,475

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Minimum Car Insurance in Sims, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Sims, Illinois

Insurance Company Poor Fair Good
Allstate $5,622 $4,042 $3,535
American Family $4,600 $3,120 $2,635
Farmers $4,687 $3,909 $3,722
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,091 $1,920 $1,534
Nationwide $4,078 $3,280 $2,871
Progressive $4,067 $3,413 $3,133
State Farm $3,229 $1,933 $1,499
Travelers $2,607 $2,071 $1,694
USAA $3,823 $2,623 $2,160

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

Annual Sims, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,164 $5,342 $4,955 $4,138
American Family $2,535 $3,615 $4,782 $2,876
Farmers $3,477 $4,455 $4,345 $4,147
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,827 $2,566 $2,268 $2,066
Nationwide $2,733 $3,559 $4,198 $3,149
Progressive $2,934 $4,260 $3,244 $3,712
State Farm $2,051 $2,389 $2,220 $2,220
Travelers $1,703 $2,212 $2,453 $2,128
USAA $2,043 $2,938 $4,028 $2,465

Cheapest Sims, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sims, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,239 $9,407
American Family $6,009 $8,367
Farmers $9,182 $9,573
GEICO $5,690 $6,014
Liberty Mutual $4,314 $4,804
Nationwide $5,974 $7,701
Progressive $7,031 $7,919
State Farm $3,854 $4,915
Travelers $3,766 $4,641
USAA $5,528 $6,101

Cheapest Sims, IL Car Insurance for Seniors

Take a look at Sims, 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 Sims, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $2,937
American Family $1,978 $1,978
Farmers $2,036 $2,140
GEICO $1,757 $2,095
Liberty Mutual $1,156 $1,294
Nationwide $1,920 $2,041
Progressive $1,799 $1,876
State Farm $1,280 $1,280
Travelers $1,261 $1,345
USAA $1,586 $1,562

Cheapest Sims, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sims, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,955
American Family $4,782
Farmers $4,345
GEICO $4,060
Liberty Mutual $2,268
Nationwide $4,198
Progressive $3,244
State Farm $2,220
Travelers $2,453
USAA $4,028

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Cheapest Sims, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sims, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,400 $4,400
American Family $3,407 $3,497
Farmers $4,106 $4,106
GEICO $2,920 $3,043
Liberty Mutual $2,182 $2,182
Nationwide $3,410 $3,410
Progressive $3,538 $3,538
State Farm $2,165 $2,275
Travelers $2,042 $2,206
USAA $2,788 $2,949

The Best Cheap Car Insurance Companies in Sims, IL

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

Average Annual Car Insurance Rates by Company in Sims, Illinois

Insurance Company Average Annual Rates
Allstate $4,400
American Family $3,452
Farmers $4,106
GEICO $2,982
Liberty Mutual $2,182
Nationwide $3,410
Progressive $3,538
State Farm $2,220
Travelers $2,124
USAA $2,868

Category Winners: Cheapest Car Insurance in Sims, Illinois

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

Best Annual Car Insurance Rates by Company in Sims, Illinois

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

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Cheapest Sims, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Sims, Illinois

Insurance Company Low Medium High
Allstate $4,257 $4,395 $4,546
American Family $3,343 $3,577 $3,435
Farmers $3,931 $4,022 $4,365
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,060 $2,177 $2,308
Nationwide $3,399 $3,437 $3,393
Progressive $3,252 $3,517 $3,844
State Farm $2,122 $2,223 $2,315
Travelers $2,013 $2,122 $2,237
USAA $2,681 $2,866 $3,058

What affects car insurance rates in Sims, Illinois?

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

Commute Time in Sims

The more time you spend in your car the higher the risk of an accident. The average commute length in Sims, IL is 32.8 minutes according to City-Data.

Compare Car Insurance Quotes in Sims, IL

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

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Average Monthly Car Insurance Rates by State