Compare Sterling, IL Car Insurance Rates (2021)

Car insurance in Sterling, IL averages $240 a month. Sterling, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Sterling car insurance rates, compare quotes from the top car insurance companies in Sterling, 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 Sterling for teen drivers is State Farm
  • Average car insurance rates in Sterling, IL are $2,883/year
  • Average car insurance rates in Sterling, IL after a DUI are $3,364/year

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

You’ll find Sterling car insurance rates, the cheapest Sterling, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Sterling, Illinois car insurance rates to Aurora car insurance rates, Chicago car insurance rates, and Rockford car insurance rates.

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

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

How do age, gender, and marital status affect Sterling, IL car insurance rates? Every Sterling, 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 Sterling, 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 $2,974 $2,987 $3,108 $3,108 $7,732 $10,082 $3,579 $3,870
American Family $2,217 $2,217 $2,034 $2,034 $6,337 $8,753 $2,217 $2,863
Farmers $2,225 $2,226 $1,973 $2,089 $9,594 $10,002 $2,539 $2,652
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,350 $1,456 $1,123 $1,252 $4,456 $4,953 $1,412 $1,491
Nationwide $1,416 $1,441 $1,265 $1,339 $3,735 $4,789 $1,633 $1,767
Progressive $1,690 $1,592 $1,393 $1,461 $6,200 $6,956 $2,005 $2,168
State Farm $1,257 $1,257 $1,126 $1,126 $3,646 $4,623 $1,422 $1,635
Travelers $1,394 $1,470 $1,278 $1,361 $4,012 $5,047 $1,473 $1,551
USAA $1,498 $1,521 $1,395 $1,371 $4,862 $5,356 $1,970 $2,159

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Minimum Car Insurance in Sterling, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Sterling, Illinois

Insurance Company Poor Fair Good
Allstate $5,965 $4,308 $3,767
American Family $4,757 $3,246 $2,749
Farmers $4,729 $3,976 $3,782
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,090 $1,931 $1,538
Nationwide $2,586 $2,093 $1,840
Progressive $3,341 $2,837 $2,620
State Farm $2,925 $1,751 $1,358
Travelers $2,682 $2,158 $1,755
USAA $3,347 $2,303 $1,900

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

Annual Sterling, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,344 $5,681 $5,298 $4,396
American Family $2,633 $3,748 $4,970 $2,986
Farmers $3,515 $4,532 $4,420 $4,183
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,822 $2,583 $2,272 $2,068
Nationwide $1,760 $2,264 $2,654 $2,014
Progressive $2,418 $3,587 $2,679 $3,048
State Farm $1,836 $2,188 $2,012 $2,012
Travelers $1,751 $2,289 $2,561 $2,192
USAA $1,794 $2,581 $3,528 $2,162

Cheapest Sterling, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sterling, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,732 $10,082
American Family $6,337 $8,753
Farmers $9,594 $10,002
GEICO $4,524 $4,715
Liberty Mutual $4,456 $4,953
Nationwide $3,735 $4,789
Progressive $6,200 $6,956
State Farm $3,646 $4,623
Travelers $4,012 $5,047
USAA $4,862 $5,356

Cheapest Sterling, IL Car Insurance for Seniors

Take a look at Sterling, 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 Sterling, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,108 $3,108
American Family $2,034 $2,034
Farmers $1,973 $2,089
GEICO $1,429 $1,724
Liberty Mutual $1,123 $1,252
Nationwide $1,265 $1,339
Progressive $1,393 $1,461
State Farm $1,126 $1,126
Travelers $1,278 $1,361
USAA $1,395 $1,371

Cheapest Sterling, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sterling, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,298
American Family $4,970
Farmers $4,420
GEICO $3,243
Liberty Mutual $2,272
Nationwide $2,654
Progressive $2,679
State Farm $2,012
Travelers $2,561
USAA $3,528

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Cheapest Sterling, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sterling, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,680 $4,680
American Family $3,538 $3,630
Farmers $4,163 $4,163
GEICO $2,338 $2,425
Liberty Mutual $2,186 $2,186
Nationwide $2,173 $2,173
Progressive $2,933 $2,933
State Farm $1,960 $2,063
Travelers $2,113 $2,283
USAA $2,446 $2,587

The Best Cheap Car Insurance Companies in Sterling, IL

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

Average Annual Car Insurance Rates by Company in Sterling, Illinois

Insurance Company Average Annual Rates
Allstate $4,680
American Family $3,584
Farmers $4,163
GEICO $2,382
Liberty Mutual $2,186
Nationwide $2,173
Progressive $2,933
State Farm $2,012
Travelers $2,198
USAA $2,516

Category Winners: Cheapest Car Insurance in Sterling, Illinois

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

Best Annual Car Insurance Rates by Company in Sterling, Illinois

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

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Cheapest Sterling, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Sterling, Illinois

Insurance Company Low Medium High
Allstate $4,551 $4,676 $4,813
American Family $3,443 $3,716 $3,593
Farmers $3,955 $4,062 $4,471
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,070 $2,182 $2,307
Nationwide $2,160 $2,189 $2,169
Progressive $2,656 $2,924 $3,219
State Farm $1,899 $2,015 $2,121
Travelers $2,052 $2,195 $2,347
USAA $2,344 $2,513 $2,692

What affects car insurance rates in Sterling, Illinois?

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

Commute Time in Sterling

The more time you spend in your car the higher the risk of an accident. The average commute length in Sterling, IL is 15.2 minutes according to City-Data.

Compare Car Insurance Quotes in Sterling, IL

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

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Average Monthly Car Insurance Rates by State