Compare Smithboro, IL Car Insurance Rates (2021)

Car insurance in Smithboro, IL averages $260 a month. Smithboro, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Smithboro car insurance rates, compare quotes from the top car insurance companies in Smithboro, 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 Smithboro for teen drivers is Travelers
  • The cheapest car insurance company in Smithboro is Travelers
  • Average car insurance rates in Smithboro, IL after a DUI are $3,638/year

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

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

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

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

How do age, gender, and marital status affect Smithboro, IL car insurance rates? Every Smithboro, 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 Smithboro, 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 $3,031 $3,046 $3,153 $3,153 $7,734 $10,062 $3,641 $3,934
American Family $2,351 $2,351 $2,146 $2,146 $6,511 $9,083 $2,351 $3,027
Farmers $2,287 $2,290 $2,033 $2,144 $9,503 $9,908 $2,606 $2,733
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,430 $1,544 $1,186 $1,325 $4,692 $5,221 $1,499 $1,587
Nationwide $2,204 $2,244 $1,955 $2,075 $6,133 $7,891 $2,573 $2,792
Progressive $2,028 $1,930 $1,667 $1,739 $7,194 $8,094 $2,429 $2,650
State Farm $1,374 $1,374 $1,218 $1,218 $3,798 $4,833 $1,550 $1,771
Travelers $1,315 $1,386 $1,185 $1,263 $3,582 $4,424 $1,395 $1,468
USAA $1,695 $1,726 $1,574 $1,552 $5,485 $6,055 $2,235 $2,459

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Minimum Car Insurance in Smithboro, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Smithboro, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,999 $3,383 $2,856
Farmers $4,768 $3,994 $3,802
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,273 $2,037 $1,622
Nationwide $4,164 $3,354 $2,932
Progressive $3,953 $3,350 $3,095
State Farm $3,115 $1,865 $1,446
Travelers $2,451 $1,958 $1,598
USAA $3,795 $2,603 $2,144

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

Annual Smithboro, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,422 $5,702 $5,309 $4,444
American Family $2,752 $3,912 $5,196 $3,124
Farmers $3,542 $4,552 $4,439 $4,218
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,926 $2,728 $2,402 $2,186
Nationwide $2,796 $3,635 $4,284 $3,219
Progressive $2,860 $4,227 $3,161 $3,618
State Farm $1,967 $2,317 $2,142 $2,142
Travelers $1,606 $2,088 $2,309 $2,005
USAA $2,029 $2,916 $3,998 $2,447

Cheapest Smithboro, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Smithboro, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,511 $9,083
Farmers $9,503 $9,908
GEICO $4,375 $4,641
Liberty Mutual $4,692 $5,221
Nationwide $6,133 $7,891
Progressive $7,194 $8,094
State Farm $3,798 $4,833
Travelers $3,582 $4,424
USAA $5,485 $6,055

Cheapest Smithboro, IL Car Insurance for Seniors

Take a look at Smithboro, 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 Smithboro, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $2,146 $2,146
Farmers $2,033 $2,144
GEICO $1,364 $1,612
Liberty Mutual $1,186 $1,325
Nationwide $1,955 $2,075
Progressive $1,667 $1,739
State Farm $1,218 $1,218
Travelers $1,185 $1,263
USAA $1,574 $1,552

Cheapest Smithboro, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Smithboro, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $5,196
Farmers $4,439
GEICO $3,141
Liberty Mutual $2,402
Nationwide $4,284
Progressive $3,161
State Farm $2,142
Travelers $2,309
USAA $3,998

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Cheapest Smithboro, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithboro, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,697 $3,794
Farmers $4,188 $4,188
GEICO $2,263 $2,351
Liberty Mutual $2,311 $2,311
Nationwide $3,483 $3,483
Progressive $3,466 $3,466
State Farm $2,088 $2,196
Travelers $1,924 $2,080
USAA $2,767 $2,927

The Best Cheap Car Insurance Companies in Smithboro, IL

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

Average Annual Car Insurance Rates by Company in Smithboro, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,746
Farmers $4,188
GEICO $2,307
Liberty Mutual $2,311
Nationwide $3,483
Progressive $3,466
State Farm $2,142
Travelers $2,002
USAA $2,847

Category Winners: Cheapest Car Insurance in Smithboro, Illinois

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

Best Annual Car Insurance Rates by Company in Smithboro, Illinois

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

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Cheapest Smithboro, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Smithboro, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,633 $3,882 $3,723
Farmers $3,997 $4,096 $4,471
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,187 $2,306 $2,438
Nationwide $3,470 $3,512 $3,468
Progressive $3,232 $3,460 $3,706
State Farm $2,032 $2,145 $2,249
Travelers $1,899 $2,000 $2,107
USAA $2,663 $2,845 $3,035

What affects car insurance rates in Smithboro, Illinois?

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

Commute Time in Smithboro

The more time you spend in your car the higher the risk of an accident. The average commute length in Smithboro, IL is 25.9 minutes according to City-Data.

Compare Car Insurance Quotes in Smithboro, IL

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

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Average Monthly Car Insurance Rates by State