Compare Sterling, IL Car Insurance Rates [2023]
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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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Dec 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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 required by the state in Sterling, IL. Take a look at the Illinois car insurance requirements.
| 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. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Sterling from top companies for good, fair, and poor credit.
| 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. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Sterling, IL to rates for a clean record with top companies.
| 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.
| 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 rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 car insurance after a DUI by the company to find the cheapest option.
| 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.
| 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.
| 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.
| 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 car insurance you need will have an impact on your Sterling car insurance rates. Find the cheapest Sterling, IL car insurance rates by coverage level.
| 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 are the factors that affect car insurance rates in Sterling, IL? 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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.