Compare Thomson, IL Car Insurance Rates (2021)

Car insurance in Thomson, IL averages $243 a month. Thomson, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Thomson car insurance rates, compare quotes from the top car insurance companies in Thomson, 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 Thomson for teen drivers is Liberty Mutual
  • Average car insurance rates in Thomson, IL after a DUI are $3,395/year
  • Average car insurance rates in Thomson, IL are $2,912/year

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

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

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

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

How do age, gender, and marital status affect Thomson, IL car insurance rates? Every Thomson, 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 Thomson, 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 $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,180 $2,177 $1,938 $2,045 $9,162 $9,533 $2,496 $2,621
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,235 $1,331 $1,032 $1,151 $3,964 $4,404 $1,289 $1,358
Nationwide $1,421 $1,449 $1,269 $1,345 $3,728 $4,788 $1,637 $1,772
Progressive $1,846 $1,762 $1,519 $1,586 $6,302 $7,082 $2,203 $2,376
State Farm $1,384 $1,384 $1,225 $1,225 $3,831 $4,864 $1,561 $1,793
Travelers $1,593 $1,680 $1,469 $1,564 $4,768 $6,033 $1,685 $1,774
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 Thomson, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Thomson, Illinois

Insurance Company Poor Fair Good
Allstate $5,965 $4,308 $3,767
American Family $4,742 $3,217 $2,718
Farmers $4,575 $3,834 $3,647
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,780 $1,741 $1,391
Nationwide $2,593 $2,094 $1,842
Progressive $3,533 $2,978 $2,743
State Farm $3,139 $1,879 $1,457
Travelers $3,128 $2,533 $2,052
USAA $3,347 $2,303 $1,900

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

Annual Thomson, 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 $2,614 $3,723 $4,933 $2,966
Farmers $3,391 $4,370 $4,261 $4,055
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,647 $2,323 $2,047 $1,865
Nationwide $1,760 $2,268 $2,660 $2,017
Progressive $2,553 $3,740 $2,821 $3,224
State Farm $1,982 $2,335 $2,158 $2,158
Travelers $2,040 $2,683 $3,000 $2,560
USAA $1,794 $2,581 $3,528 $2,162

Cheapest Thomson, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Thomson, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,732 $10,082
American Family $6,205 $8,633
Farmers $9,162 $9,533
GEICO $4,524 $4,715
Liberty Mutual $3,964 $4,404
Nationwide $3,728 $4,788
Progressive $6,302 $7,082
State Farm $3,831 $4,864
Travelers $4,768 $6,033
USAA $4,862 $5,356

Cheapest Thomson, IL Car Insurance for Seniors

Take a look at Thomson, 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 Thomson, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,108 $3,108
American Family $2,037 $2,037
Farmers $1,938 $2,045
GEICO $1,429 $1,724
Liberty Mutual $1,032 $1,151
Nationwide $1,269 $1,345
Progressive $1,519 $1,586
State Farm $1,225 $1,225
Travelers $1,469 $1,564
USAA $1,395 $1,371

Cheapest Thomson, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Thomson, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,298
American Family $4,933
Farmers $4,261
GEICO $3,243
Liberty Mutual $2,047
Nationwide $2,660
Progressive $2,821
State Farm $2,158
Travelers $3,000
USAA $3,528

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Cheapest Thomson, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Thomson, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,680 $4,680
American Family $3,513 $3,605
Farmers $4,019 $4,019
GEICO $2,338 $2,425
Liberty Mutual $1,970 $1,970
Nationwide $2,176 $2,176
Progressive $3,085 $3,085
State Farm $2,105 $2,212
Travelers $2,470 $2,672
USAA $2,446 $2,587

The Best Cheap Car Insurance Companies in Thomson, IL

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

Average Annual Car Insurance Rates by Company in Thomson, Illinois

Insurance Company Average Annual Rates
Allstate $4,680
American Family $3,559
Farmers $4,019
GEICO $2,382
Liberty Mutual $1,970
Nationwide $2,176
Progressive $3,085
State Farm $2,158
Travelers $2,571
USAA $2,516

Category Winners: Cheapest Car Insurance in Thomson, Illinois

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

Best Annual Car Insurance Rates by Company in Thomson, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

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Cheapest Thomson, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Thomson, Illinois

Insurance Company Low Medium High
Allstate $4,551 $4,676 $4,813
American Family $3,452 $3,688 $3,537
Farmers $3,841 $3,934 $4,282
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,863 $1,966 $2,082
Nationwide $2,174 $2,190 $2,164
Progressive $2,860 $3,071 $3,323
State Farm $2,057 $2,161 $2,256
Travelers $2,398 $2,567 $2,748
USAA $2,344 $2,513 $2,692

What affects car insurance rates in Thomson, Illinois?

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

Commute Time in Thomson

The more time you spend in your car the higher the risk of an accident. The average commute length in Thomson, IL is 24.2 minutes according to City-Data.

Compare Car Insurance Quotes in Thomson, IL

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

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Average Monthly Car Insurance Rates by State