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

Car insurance in St. Joseph, IL averages $247 a month. St. Joseph, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap St. Joseph car insurance rates, compare quotes from the top car insurance companies in St. Joseph, 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. Joseph, IL after a DUI are $3,455/year
  • Average car insurance rates in St. Joseph, IL are $2,967/year
  • The cheapest car insurance company in St. Joseph is State Farm

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

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

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

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

How do age, gender, and marital status affect St. Joseph, IL car insurance rates? Every St. Joseph, 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. Joseph, 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 $3,041 $3,055 $3,185 $3,185 $7,991 $10,347 $3,652 $3,946
American Family $2,004 $2,004 $1,837 $1,837 $5,668 $7,844 $2,004 $2,584
Farmers $2,208 $2,206 $1,956 $2,071 $9,666 $10,077 $2,531 $2,647
GEICO $1,402 $1,430 $1,356 $1,635 $4,274 $4,450 $1,774 $1,688
Liberty Mutual $1,362 $1,469 $1,131 $1,263 $4,498 $5,001 $1,425 $1,504
Nationwide $1,798 $1,826 $1,602 $1,693 $4,999 $6,397 $2,100 $2,270
Progressive $1,812 $1,706 $1,495 $1,570 $6,572 $7,363 $2,150 $2,311
State Farm $1,357 $1,357 $1,221 $1,221 $4,027 $5,092 $1,538 $1,779
Travelers $1,433 $1,510 $1,315 $1,400 $4,173 $5,249 $1,515 $1,594
USAA $1,550 $1,569 $1,432 $1,395 $5,014 $5,540 $2,030 $2,216

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Minimum Car Insurance in St. Joseph, IL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,105 $4,423 $3,872
American Family $4,281 $2,918 $2,470
Farmers $4,734 $3,986 $3,791
GEICO $3,600 $1,770 $1,384
Liberty Mutual $3,118 $1,949 $1,553
Nationwide $3,378 $2,735 $2,393
Progressive $3,565 $3,017 $2,785
State Farm $3,198 $1,914 $1,484
Travelers $2,770 $2,236 $1,815
USAA $3,465 $2,368 $1,946

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

Annual St. Joseph, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,389 $5,856 $5,458 $4,497
American Family $2,365 $3,384 $4,461 $2,682
Farmers $3,516 $4,542 $4,429 $4,194
GEICO $1,653 $2,186 $3,111 $2,055
Liberty Mutual $1,840 $2,606 $2,293 $2,087
Nationwide $2,290 $2,956 $3,471 $2,626
Progressive $2,574 $3,816 $2,852 $3,247
State Farm $2,001 $2,397 $2,199 $2,199
Travelers $1,811 $2,371 $2,645 $2,267
USAA $1,852 $2,656 $3,632 $2,234

Cheapest St. Joseph, IL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,991 $10,347
American Family $5,668 $7,844
Farmers $9,666 $10,077
GEICO $4,274 $4,450
Liberty Mutual $4,498 $5,001
Nationwide $4,999 $6,397
Progressive $6,572 $7,363
State Farm $4,027 $5,092
Travelers $4,173 $5,249
USAA $5,014 $5,540

Cheapest St. Joseph, IL Car Insurance for Seniors

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,185 $3,185
American Family $1,837 $1,837
Farmers $1,956 $2,071
GEICO $1,356 $1,635
Liberty Mutual $1,131 $1,263
Nationwide $1,602 $1,693
Progressive $1,495 $1,570
State Farm $1,221 $1,221
Travelers $1,315 $1,400
USAA $1,432 $1,395

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,458
American Family $4,461
Farmers $4,429
GEICO $3,111
Liberty Mutual $2,293
Nationwide $3,471
Progressive $2,852
State Farm $2,199
Travelers $2,645
USAA $3,632

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

How does how far you drive affect car insurance rates in St. Joseph, 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. Joseph, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,800 $4,800
American Family $3,182 $3,264
Farmers $4,170 $4,170
GEICO $2,214 $2,288
Liberty Mutual $2,207 $2,207
Nationwide $2,835 $2,835
Progressive $3,122 $3,122
State Farm $2,144 $2,254
Travelers $2,185 $2,362
USAA $2,521 $2,666

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

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

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

Insurance Company Average Annual Rates
Allstate $4,800
American Family $3,223
Farmers $4,170
GEICO $2,251
Liberty Mutual $2,207
Nationwide $2,835
Progressive $3,123
State Farm $2,199
Travelers $2,274
USAA $2,593

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

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

Best Annual Car Insurance Rates by Company in St. Joseph, Illinois

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

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Cheapest St. Joseph, IL Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,642 $4,795 $4,963
American Family $3,103 $3,341 $3,224
Farmers $3,965 $4,070 $4,476
GEICO $2,056 $2,249 $2,448
Liberty Mutual $2,088 $2,202 $2,329
Nationwide $2,816 $2,861 $2,830
Progressive $2,842 $3,105 $3,421
State Farm $2,078 $2,203 $2,316
Travelers $2,128 $2,271 $2,421
USAA $2,460 $2,593 $2,728

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

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

Commute Time in St. Joseph

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Joseph, IL is 21.8 minutes according to City-Data.

Compare Car Insurance Quotes in St. Joseph, IL

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

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Average Monthly Car Insurance Rates by State