Compare Smithton, IL Car Insurance Rates (2021)

Car insurance in Smithton, IL averages $282 a month. Smithton, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Smithton car insurance rates, compare quotes from the top car insurance companies in Smithton, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Smithton, IL are $3,386/year
  • The cheapest car insurance company in Smithton is State Farm
  • Average car insurance rates in Smithton, IL after a DUI are $3,966/year

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

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

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

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

How do age, gender, and marital status affect Smithton, IL car insurance rates? Every Smithton, 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 Smithton, 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 $3,244 $3,259 $3,395 $3,395 $8,424 $10,922 $3,895 $4,206
American Family $2,532 $2,532 $2,315 $2,315 $7,127 $9,909 $2,532 $3,263
Farmers $2,476 $2,475 $2,196 $2,329 $10,724 $11,164 $2,818 $2,932
GEICO $1,727 $1,757 $1,670 $2,030 $5,565 $5,775 $2,170 $2,061
Liberty Mutual $1,479 $1,598 $1,230 $1,378 $4,949 $5,510 $1,543 $1,625
Nationwide $2,375 $2,419 $2,104 $2,236 $6,607 $8,514 $2,773 $3,012
Progressive $1,995 $1,883 $1,645 $1,719 $7,346 $8,259 $2,379 $2,589
State Farm $1,426 $1,426 $1,286 $1,286 $4,193 $5,327 $1,614 $1,846
Travelers $1,647 $1,738 $1,513 $1,612 $4,883 $6,166 $1,745 $1,838
USAA $1,564 $1,590 $1,459 $1,439 $5,065 $5,573 $2,058 $2,260

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Minimum Car Insurance in Smithton, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Smithton, Illinois

Insurance Company Poor Fair Good
Allstate $6,490 $4,683 $4,104
American Family $5,416 $3,676 $3,105
Farmers $5,271 $4,431 $4,215
GEICO $4,571 $2,228 $1,734
Liberty Mutual $3,419 $2,130 $1,693
Nationwide $4,492 $3,613 $3,159
Progressive $3,951 $3,366 $3,114
State Farm $3,342 $2,004 $1,556
Travelers $3,220 $2,600 $2,108
USAA $3,489 $2,404 $1,985

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

Annual Smithton, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,624 $6,208 $5,757 $4,780
American Family $2,990 $4,234 $5,647 $3,392
Farmers $3,918 $5,055 $4,930 $4,654
GEICO $2,044 $2,834 $3,948 $2,551
Liberty Mutual $2,009 $2,857 $2,508 $2,282
Nationwide $3,008 $3,920 $4,625 $3,468
Progressive $2,862 $4,260 $3,170 $3,615
State Farm $2,095 $2,506 $2,301 $2,301
Travelers $2,096 $2,753 $3,087 $2,634
USAA $1,871 $2,693 $3,684 $2,256

Cheapest Smithton, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Smithton, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,424 $10,922
American Family $7,127 $9,909
Farmers $10,724 $11,164
GEICO $5,565 $5,775
Liberty Mutual $4,949 $5,510
Nationwide $6,607 $8,514
Progressive $7,346 $8,259
State Farm $4,193 $5,327
Travelers $4,883 $6,166
USAA $5,065 $5,573

Cheapest Smithton, IL Car Insurance for Seniors

Take a look at Smithton, 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 Smithton, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,395 $3,395
American Family $2,315 $2,315
Farmers $2,196 $2,329
GEICO $1,670 $2,030
Liberty Mutual $1,230 $1,378
Nationwide $2,104 $2,236
Progressive $1,645 $1,719
State Farm $1,286 $1,286
Travelers $1,513 $1,612
USAA $1,459 $1,439

Cheapest Smithton, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Smithton, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,757
American Family $5,647
Farmers $4,930
GEICO $3,948
Liberty Mutual $2,508
Nationwide $4,625
Progressive $3,170
State Farm $2,301
Travelers $3,087
USAA $3,684

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Cheapest Smithton, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithton, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,092 $5,092
American Family $4,013 $4,118
Farmers $4,639 $4,639
GEICO $2,792 $2,897
Liberty Mutual $2,414 $2,414
Nationwide $3,755 $3,755
Progressive $3,477 $3,477
State Farm $2,240 $2,361
Travelers $2,538 $2,747
USAA $2,552 $2,699

The Best Cheap Car Insurance Companies in Smithton, IL

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

Average Annual Car Insurance Rates by Company in Smithton, Illinois

Insurance Company Average Annual Rates
Allstate $5,092
American Family $4,066
Farmers $4,639
GEICO $2,844
Liberty Mutual $2,414
Nationwide $3,755
Progressive $3,477
State Farm $2,301
Travelers $2,643
USAA $2,626

Category Winners: Cheapest Car Insurance in Smithton, Illinois

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

Best Annual Car Insurance Rates by Company in Smithton, Illinois

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

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Cheapest Smithton, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Smithton, Illinois

Insurance Company Low Medium High
Allstate $4,911 $5,086 $5,280
American Family $3,912 $4,215 $4,071
Farmers $4,399 $4,525 $4,993
GEICO $2,566 $2,833 $3,134
Liberty Mutual $2,265 $2,408 $2,569
Nationwide $3,730 $3,788 $3,747
Progressive $3,174 $3,473 $3,783
State Farm $2,149 $2,304 $2,448
Travelers $2,463 $2,639 $2,826
USAA $2,433 $2,623 $2,822

What affects car insurance rates in Smithton, Illinois?

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

Commute Time in Smithton

The more time you spend in your car the higher the risk of an accident. The average commute length in Smithton, IL is 31.1 minutes according to City-Data.

Compare Car Insurance Quotes in Smithton, IL

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

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Average Monthly Car Insurance Rates by State