Compare St. Elmo, IL Car Insurance Rates (2021)

Car insurance in St. Elmo, IL averages $240 a month. St. Elmo, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap St. Elmo car insurance rates, compare quotes from the top car insurance companies in St. Elmo, 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

  • Average car insurance rates in St. Elmo, IL after a DUI are $3,359/year
  • Average car insurance rates in St. Elmo, IL are $2,879/year
  • The cheapest car insurance company in St. Elmo for teen drivers is Travelers

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

You’ll find St. Elmo car insurance rates, the cheapest St. Elmo, IL car insurance companies, and information on Illinois car insurance laws. You can also compare St. Elmo, Illinois car insurance rates to Peoria car insurance rates, Elgin car insurance rates, and Chicago car insurance rates.

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

Cheapest St. Elmo, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect St. Elmo, IL car insurance rates? Every St. Elmo, 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 St. Elmo, 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 $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,217 $2,218 $1,973 $2,079 $9,133 $9,512 $2,528 $2,654
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,341 $1,449 $1,116 $1,247 $4,267 $4,747 $1,404 $1,484
Nationwide $1,505 $1,533 $1,343 $1,422 $4,036 $5,173 $1,742 $1,884
Progressive $1,758 $1,676 $1,447 $1,508 $6,111 $6,873 $2,099 $2,276
State Farm $1,287 $1,287 $1,139 $1,139 $3,552 $4,512 $1,451 $1,664
Travelers $1,314 $1,386 $1,181 $1,259 $3,528 $4,358 $1,394 $1,468
USAA $1,638 $1,669 $1,524 $1,504 $5,277 $5,820 $2,158 $2,375

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Minimum Car Insurance in St. Elmo, IL

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

Minimum Required Car Insurance Coverage in St. Elmo, 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 St. Elmo, IL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in St. Elmo, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,742 $3,217 $2,718
Farmers $4,603 $3,851 $3,665
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,014 $1,880 $1,501
Nationwide $2,776 $2,244 $1,969
Progressive $3,392 $2,869 $2,645
State Farm $2,913 $1,745 $1,353
Travelers $2,436 $1,938 $1,585
USAA $3,657 $2,511 $2,069

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

Annual St. Elmo, 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 $2,614 $3,723 $4,933 $2,966
Farmers $3,416 $4,389 $4,279 $4,074
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,783 $2,511 $2,215 $2,018
Nationwide $1,885 $2,428 $2,847 $2,159
Progressive $2,456 $3,607 $2,713 $3,099
State Farm $1,841 $2,167 $2,004 $2,004
Travelers $1,593 $2,067 $2,297 $1,989
USAA $1,958 $2,812 $3,851 $2,361

Cheapest St. Elmo, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in St. Elmo, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,205 $8,633
Farmers $9,133 $9,512
GEICO $4,375 $4,641
Liberty Mutual $4,267 $4,747
Nationwide $4,036 $5,173
Progressive $6,111 $6,873
State Farm $3,552 $4,512
Travelers $3,528 $4,358
USAA $5,277 $5,820

Cheapest St. Elmo, IL Car Insurance for Seniors

Take a look at St. Elmo, 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 St. Elmo, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $2,037 $2,037
Farmers $1,973 $2,079
GEICO $1,364 $1,612
Liberty Mutual $1,116 $1,247
Nationwide $1,343 $1,422
Progressive $1,447 $1,508
State Farm $1,139 $1,139
Travelers $1,181 $1,259
USAA $1,524 $1,504

Cheapest St. Elmo, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in St. Elmo, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $4,933
Farmers $4,279
GEICO $3,141
Liberty Mutual $2,215
Nationwide $2,847
Progressive $2,713
State Farm $2,004
Travelers $2,297
USAA $3,851

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Cheapest St. Elmo, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in St. Elmo, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,513 $3,605
Farmers $4,039 $4,039
GEICO $2,263 $2,351
Liberty Mutual $2,132 $2,132
Nationwide $2,330 $2,330
Progressive $2,969 $2,969
State Farm $1,954 $2,054
Travelers $1,910 $2,062
USAA $2,669 $2,823

The Best Cheap Car Insurance Companies in St. Elmo, IL

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

Average Annual Car Insurance Rates by Company in St. Elmo, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,559
Farmers $4,039
GEICO $2,307
Liberty Mutual $2,132
Nationwide $2,330
Progressive $2,969
State Farm $2,004
Travelers $1,986
USAA $2,746

Category Winners: Cheapest Car Insurance in St. Elmo, Illinois

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

Best Annual Car Insurance Rates by Company in St. Elmo, 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 St. Elmo, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in St. Elmo, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,452 $3,688 $3,537
Farmers $3,862 $3,955 $4,302
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,018 $2,128 $2,251
Nationwide $2,330 $2,344 $2,315
Progressive $2,744 $2,962 $3,199
State Farm $1,907 $2,006 $2,098
Travelers $1,877 $1,984 $2,097
USAA $2,561 $2,743 $2,933

What affects car insurance rates in St. Elmo, Illinois?

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

Commute Time in St. Elmo

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Elmo, IL is 20.9 minutes according to City-Data.

Compare Car Insurance Quotes in St. Elmo, IL

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

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Average Monthly Car Insurance Rates by State