Compare Stoy, IL Car Insurance Rates (2021)

Car insurance in Stoy, IL averages $264 a month. Stoy, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Stoy car insurance rates, compare quotes from the top car insurance companies in Stoy, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Stoy, IL after a DUI are $3,698/year
  • The cheapest car insurance company in Stoy is State Farm
  • The cheapest car insurance company in Stoy for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Stoy, IL car insurance rates? Every Stoy, 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 Stoy, 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 $2,165 $2,165 $1,978 $1,978 $6,009 $8,367 $2,165 $2,787
Farmers $2,286 $2,288 $2,032 $2,143 $9,539 $9,943 $2,608 $2,736
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,366 $1,477 $1,137 $1,273 $4,276 $4,762 $1,428 $1,512
Nationwide $1,726 $1,759 $1,535 $1,629 $4,666 $5,999 $2,001 $2,170
Progressive $1,833 $1,735 $1,507 $1,580 $6,637 $7,448 $2,188 $2,376
State Farm $1,370 $1,370 $1,206 $1,206 $3,675 $4,680 $1,543 $1,762
Travelers $2,605 $2,755 $2,366 $2,530 $7,852 $9,892 $2,780 $2,934
USAA $1,639 $1,669 $1,524 $1,504 $5,278 $5,822 $2,158 $2,375

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Minimum Car Insurance in Stoy, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Stoy, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,600 $3,120 $2,635
Farmers $4,777 $4,003 $3,810
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,051 $1,896 $1,514
Nationwide $3,206 $2,585 $2,266
Progressive $3,610 $3,056 $2,823
State Farm $3,056 $1,830 $1,419
Travelers $5,140 $4,145 $3,357
USAA $3,658 $2,511 $2,069

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

Annual Stoy, 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 $2,535 $3,615 $4,782 $2,876
Farmers $3,548 $4,562 $4,449 $4,228
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,802 $2,535 $2,239 $2,039
Nationwide $2,163 $2,801 $3,294 $2,485
Progressive $2,608 $3,864 $2,885 $3,295
State Farm $1,938 $2,265 $2,102 $2,102
Travelers $3,325 $4,400 $4,927 $4,206
USAA $1,958 $2,813 $3,852 $2,361

Cheapest Stoy, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Stoy, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,009 $8,367
Farmers $9,539 $9,943
GEICO $4,375 $4,641
Liberty Mutual $4,276 $4,762
Nationwide $4,666 $5,999
Progressive $6,637 $7,448
State Farm $3,675 $4,680
Travelers $7,852 $9,892
USAA $5,278 $5,822

Cheapest Stoy, IL Car Insurance for Seniors

Take a look at Stoy, 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 Stoy, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $1,978 $1,978
Farmers $2,032 $2,143
GEICO $1,364 $1,612
Liberty Mutual $1,137 $1,273
Nationwide $1,535 $1,629
Progressive $1,507 $1,580
State Farm $1,206 $1,206
Travelers $2,366 $2,530
USAA $1,524 $1,504

Cheapest Stoy, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Stoy, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $4,782
Farmers $4,449
GEICO $3,141
Liberty Mutual $2,239
Nationwide $3,294
Progressive $2,885
State Farm $2,102
Travelers $4,927
USAA $3,852

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Cheapest Stoy, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Stoy, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,407 $3,497
Farmers $4,197 $4,197
GEICO $2,263 $2,351
Liberty Mutual $2,154 $2,154
Nationwide $2,686 $2,686
Progressive $3,163 $3,163
State Farm $2,049 $2,154
Travelers $4,044 $4,385
USAA $2,669 $2,823

The Best Cheap Car Insurance Companies in Stoy, IL

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

Average Annual Car Insurance Rates by Company in Stoy, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,452
Farmers $4,197
GEICO $2,307
Liberty Mutual $2,154
Nationwide $2,686
Progressive $3,163
State Farm $2,102
Travelers $4,214
USAA $2,746

Category Winners: Cheapest Car Insurance in Stoy, Illinois

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

Best Annual Car Insurance Rates by Company in Stoy, Illinois

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

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Cheapest Stoy, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Stoy, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,343 $3,577 $3,435
Farmers $4,006 $4,105 $4,480
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,030 $2,149 $2,283
Nationwide $2,684 $2,705 $2,669
Progressive $2,933 $3,150 $3,406
State Farm $2,006 $2,104 $2,194
Travelers $3,940 $4,209 $4,494
USAA $2,562 $2,743 $2,933

What affects car insurance rates in Stoy, Illinois?

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

Commute Time in Stoy

The more time you spend in your car the higher the risk of an accident. The average commute length in Stoy, IL is 14.3 minutes according to City-Data.

Compare Car Insurance Quotes in Stoy, IL

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

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Average Monthly Car Insurance Rates by State