Compare Speer, IL Car Insurance Rates (2021)

Car insurance in Speer, IL averages $251 a month. Speer, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Speer car insurance rates, compare quotes from the top car insurance companies in Speer, 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 Speer for teen drivers is Travelers
  • The cheapest car insurance company in Speer is Travelers
  • Average car insurance rates in Speer, IL are $3,009/year

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

You’ll find Speer car insurance rates, the cheapest Speer, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Speer, Illinois car insurance rates to Naperville car insurance rates, Elgin car insurance rates, and Champaign car insurance rates.

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

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

How do age, gender, and marital status affect Speer, IL car insurance rates? Every Speer, 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 Speer, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,266 $2,266 $2,069 $2,069 $6,270 $8,739 $2,266 $2,917
Farmers $2,290 $2,293 $2,037 $2,148 $9,492 $9,890 $2,610 $2,739
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,343 $1,450 $1,118 $1,251 $4,397 $4,894 $1,401 $1,477
Nationwide $1,589 $1,620 $1,416 $1,502 $4,249 $5,460 $1,839 $1,992
Progressive $1,982 $1,889 $1,631 $1,700 $6,945 $7,817 $2,371 $2,578
State Farm $1,441 $1,441 $1,279 $1,279 $4,015 $5,104 $1,627 $1,864
Travelers $1,398 $1,476 $1,257 $1,340 $3,793 $4,696 $1,485 $1,564
USAA $1,743 $1,788 $1,620 $1,612 $5,519 $6,112 $2,305 $2,557

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Minimum Car Insurance in Speer, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Speer, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $4,812 $3,260 $2,751
Farmers $4,771 $3,992 $3,799
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,064 $1,912 $1,524
Nationwide $2,932 $2,366 $2,077
Progressive $3,839 $3,252 $3,001
State Farm $3,282 $1,964 $1,523
Travelers $2,605 $2,077 $1,696
USAA $3,883 $2,655 $2,184

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

Annual Speer, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,651 $3,773 $5,001 $3,008
Farmers $3,541 $4,550 $4,438 $4,220
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,807 $2,558 $2,251 $2,049
Nationwide $1,984 $2,563 $3,011 $2,276
Progressive $2,778 $4,094 $3,071 $3,512
State Farm $2,070 $2,443 $2,256 $2,256
Travelers $1,702 $2,215 $2,460 $2,128
USAA $2,077 $2,971 $4,078 $2,502

Cheapest Speer, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Speer, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,270 $8,739
Farmers $9,492 $9,890
GEICO $4,847 $5,129
Liberty Mutual $4,397 $4,894
Nationwide $4,249 $5,460
Progressive $6,945 $7,817
State Farm $4,015 $5,104
Travelers $3,793 $4,696
USAA $5,519 $6,112

Cheapest Speer, IL Car Insurance for Seniors

Take a look at Speer, 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 Speer, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,069 $2,069
Farmers $2,037 $2,148
GEICO $1,521 $1,797
Liberty Mutual $1,118 $1,251
Nationwide $1,416 $1,502
Progressive $1,631 $1,700
State Farm $1,279 $1,279
Travelers $1,257 $1,340
USAA $1,620 $1,612

Cheapest Speer, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Speer, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,008
American Family $5,001
Farmers $4,438
GEICO $3,482
Liberty Mutual $2,251
Nationwide $3,011
Progressive $3,071
State Farm $2,256
Travelers $2,460
USAA $4,078

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Cheapest Speer, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Speer, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,561 $3,655
Farmers $4,187 $4,187
GEICO $2,519 $2,617
Liberty Mutual $2,166 $2,166
Nationwide $2,458 $2,458
Progressive $3,364 $3,364
State Farm $2,199 $2,313
Travelers $2,044 $2,208
USAA $2,825 $2,989

The Best Cheap Car Insurance Companies in Speer, IL

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

Average Annual Car Insurance Rates by Company in Speer, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,608
Farmers $4,187
GEICO $2,568
Liberty Mutual $2,166
Nationwide $2,458
Progressive $3,364
State Farm $2,256
Travelers $2,126
USAA $2,907

Category Winners: Cheapest Car Insurance in Speer, Illinois

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

Best Annual Car Insurance Rates by Company in Speer, Illinois

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

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Cheapest Speer, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Speer, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,503 $3,739 $3,582
Farmers $3,996 $4,095 $4,471
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,037 $2,161 $2,301
Nationwide $2,452 $2,476 $2,447
Progressive $3,114 $3,358 $3,619
State Farm $2,143 $2,260 $2,366
Travelers $2,009 $2,124 $2,245
USAA $2,717 $2,904 $3,100

Compare Car Insurance Quotes in Speer, IL

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