Compare Smithfield, IL Car Insurance Rates (2021)

Car insurance in Smithfield, IL averages $256 a month. Smithfield, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Smithfield car insurance rates, compare quotes from the top car insurance companies in Smithfield, IL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Smithfield, IL after a DUI are $3,585/year
  • The cheapest car insurance company in Smithfield for teen drivers is State Farm
  • Average car insurance rates in Smithfield, IL are $3,073/year

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

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

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

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

How do age, gender, and marital status affect Smithfield, IL car insurance rates? Every Smithfield, 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 Smithfield, 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 $3,288 $3,303 $3,428 $3,428 $8,414 $10,963 $3,955 $4,275
American Family $2,367 $2,367 $2,158 $2,158 $6,493 $9,079 $2,367 $3,045
Farmers $2,243 $2,248 $1,996 $2,104 $9,287 $9,681 $2,559 $2,689
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,313 $1,418 $1,094 $1,222 $4,173 $4,642 $1,374 $1,452
Nationwide $1,706 $1,740 $1,517 $1,611 $4,593 $5,910 $1,976 $2,143
Progressive $1,972 $1,895 $1,623 $1,685 $6,568 $7,401 $2,363 $2,560
State Farm $1,401 $1,401 $1,232 $1,232 $3,758 $4,781 $1,577 $1,804
Travelers $1,494 $1,579 $1,342 $1,432 $4,079 $5,056 $1,589 $1,676
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Smithfield, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Smithfield, Illinois

Insurance Company Poor Fair Good
Allstate $6,569 $4,709 $4,117
American Family $5,016 $3,389 $2,858
Farmers $4,675 $3,908 $3,719
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,950 $1,839 $1,469
Nationwide $3,164 $2,550 $2,235
Progressive $3,731 $3,147 $2,898
State Farm $3,124 $1,870 $1,450
Travelers $2,797 $2,227 $1,819
USAA $3,661 $2,516 $2,074

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

Annual Smithfield, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,711 $6,222 $5,762 $4,832
American Family $2,759 $3,921 $5,207 $3,132
Farmers $3,468 $4,455 $4,345 $4,136
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,744 $2,457 $2,168 $1,975
Nationwide $2,134 $2,763 $3,250 $2,452
Progressive $2,700 $3,940 $2,980 $3,413
State Farm $1,981 $2,316 $2,148 $2,148
Travelers $1,822 $2,374 $2,644 $2,283
USAA $1,960 $2,818 $3,858 $2,364

Cheapest Smithfield, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Smithfield, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $10,963
American Family $6,493 $9,079
Farmers $9,287 $9,681
GEICO $4,847 $5,129
Liberty Mutual $4,173 $4,642
Nationwide $4,593 $5,910
Progressive $6,568 $7,401
State Farm $3,758 $4,781
Travelers $4,079 $5,056
USAA $5,289 $5,831

Cheapest Smithfield, IL Car Insurance for Seniors

Take a look at Smithfield, 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 Smithfield, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,428 $3,428
American Family $2,158 $2,158
Farmers $1,996 $2,104
GEICO $1,521 $1,797
Liberty Mutual $1,094 $1,222
Nationwide $1,517 $1,611
Progressive $1,623 $1,685
State Farm $1,232 $1,232
Travelers $1,342 $1,432
USAA $1,527 $1,507

Cheapest Smithfield, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Smithfield, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,762
American Family $5,207
Farmers $4,345
GEICO $3,482
Liberty Mutual $2,168
Nationwide $3,250
Progressive $2,980
State Farm $2,148
Travelers $2,644
USAA $3,858

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Smithfield, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithfield, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,132 $5,132
American Family $3,705 $3,803
Farmers $4,101 $4,101
GEICO $2,519 $2,617
Liberty Mutual $2,086 $2,086
Nationwide $2,650 $2,650
Progressive $3,259 $3,259
State Farm $2,095 $2,201
Travelers $2,192 $2,370
USAA $2,673 $2,827

The Best Cheap Car Insurance Companies in Smithfield, IL

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

Average Annual Car Insurance Rates by Company in Smithfield, Illinois

Insurance Company Average Annual Rates
Allstate $5,132
American Family $3,754
Farmers $4,101
GEICO $2,568
Liberty Mutual $2,086
Nationwide $2,650
Progressive $3,259
State Farm $2,148
Travelers $2,281
USAA $2,750

Category Winners: Cheapest Car Insurance in Smithfield, Illinois

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

Best Annual Car Insurance Rates by Company in Smithfield, Illinois

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Smithfield, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Smithfield, Illinois

Insurance Company Low Medium High
Allstate $4,973 $5,127 $5,295
American Family $3,654 $3,890 $3,718
Farmers $3,912 $4,009 $4,381
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,972 $2,082 $2,204
Nationwide $2,654 $2,667 $2,629
Progressive $3,044 $3,252 $3,480
State Farm $2,055 $2,151 $2,238
Travelers $2,151 $2,278 $2,414
USAA $2,561 $2,747 $2,942

What affects car insurance rates in Smithfield, Illinois?

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

Commute Time in Smithfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Smithfield, IL is 35.2 minutes according to City-Data.

Compare Car Insurance Quotes in Smithfield, IL

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State