Compare Toluca, IL Car Insurance Rates (2021)

Car insurance in Toluca, IL averages $249 a month. Toluca, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Toluca car insurance rates, compare quotes from the top car insurance companies in Toluca, 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 Toluca, IL are $2,990/year
  • The cheapest car insurance company in Toluca is State Farm
  • Average car insurance rates in Toluca, IL after a DUI are $3,479/year

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

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

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

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

How do age, gender, and marital status affect Toluca, IL car insurance rates? Every Toluca, 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 Toluca, 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 $2,888 $2,902 $3,006 $3,006 $7,364 $9,575 $3,469 $3,747
American Family $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,185 $2,186 $1,940 $2,049 $9,256 $9,647 $2,498 $2,619
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,287 $1,389 $1,075 $1,199 $4,089 $4,544 $1,345 $1,420
Nationwide $1,577 $1,606 $1,407 $1,490 $4,229 $5,428 $1,827 $1,978
Progressive $2,148 $2,040 $1,765 $1,844 $7,674 $8,643 $2,568 $2,801
State Farm $1,297 $1,297 $1,152 $1,152 $3,641 $4,617 $1,464 $1,684
Travelers $1,378 $1,453 $1,244 $1,326 $3,793 $4,703 $1,462 $1,539
USAA $1,743 $1,788 $1,620 $1,612 $5,519 $6,112 $2,305 $2,557

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Minimum Car Insurance in Toluca, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Toluca, Illinois

Insurance Company Poor Fair Good
Allstate $5,750 $4,127 $3,607
American Family $4,742 $3,217 $2,718
Farmers $4,605 $3,863 $3,675
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,887 $1,803 $1,440
Nationwide $2,910 $2,352 $2,066
Progressive $4,198 $3,565 $3,293
State Farm $2,963 $1,774 $1,376
Travelers $2,585 $2,066 $1,685
USAA $3,883 $2,655 $2,184

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

Annual Toluca, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,258 $5,440 $5,049 $4,232
American Family $2,614 $3,723 $4,933 $2,966
Farmers $3,418 $4,402 $4,293 $4,077
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,708 $2,407 $2,123 $1,935
Nationwide $1,973 $2,546 $2,990 $2,262
Progressive $3,038 $4,499 $3,361 $3,844
State Farm $1,868 $2,208 $2,038 $2,038
Travelers $1,691 $2,203 $2,442 $2,113
USAA $2,077 $2,971 $4,078 $2,502

Cheapest Toluca, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Toluca, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,364 $9,575
American Family $6,205 $8,633
Farmers $9,256 $9,647
GEICO $4,847 $5,129
Liberty Mutual $4,089 $4,544
Nationwide $4,229 $5,428
Progressive $7,674 $8,643
State Farm $3,641 $4,617
Travelers $3,793 $4,703
USAA $5,519 $6,112

Cheapest Toluca, IL Car Insurance for Seniors

Take a look at Toluca, 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 Toluca, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,006 $3,006
American Family $2,037 $2,037
Farmers $1,940 $2,049
GEICO $1,521 $1,797
Liberty Mutual $1,075 $1,199
Nationwide $1,407 $1,490
Progressive $1,765 $1,844
State Farm $1,152 $1,152
Travelers $1,244 $1,326
USAA $1,620 $1,612

Cheapest Toluca, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Toluca, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,049
American Family $4,933
Farmers $4,293
GEICO $3,482
Liberty Mutual $2,123
Nationwide $2,990
Progressive $3,361
State Farm $2,038
Travelers $2,442
USAA $4,078

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Cheapest Toluca, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Toluca, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,495 $4,495
American Family $3,513 $3,605
Farmers $4,048 $4,048
GEICO $2,519 $2,617
Liberty Mutual $2,043 $2,043
Nationwide $2,443 $2,443
Progressive $3,685 $3,685
State Farm $1,987 $2,088
Travelers $2,030 $2,194
USAA $2,825 $2,989

The Best Cheap Car Insurance Companies in Toluca, IL

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

Average Annual Car Insurance Rates by Company in Toluca, Illinois

Insurance Company Average Annual Rates
Allstate $4,495
American Family $3,559
Farmers $4,047
GEICO $2,568
Liberty Mutual $2,043
Nationwide $2,443
Progressive $3,685
State Farm $2,038
Travelers $2,112
USAA $2,907

Category Winners: Cheapest Car Insurance in Toluca, Illinois

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

Best Annual Car Insurance Rates by Company in Toluca, Illinois

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

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Cheapest Toluca, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Toluca, Illinois

Insurance Company Low Medium High
Allstate $4,356 $4,490 $4,638
American Family $3,452 $3,688 $3,537
Farmers $3,858 $3,956 $4,329
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,935 $2,039 $2,156
Nationwide $2,426 $2,463 $2,439
Progressive $3,395 $3,681 $3,980
State Farm $1,939 $2,041 $2,134
Travelers $1,998 $2,110 $2,229
USAA $2,717 $2,904 $3,100

What affects car insurance rates in Toluca, Illinois?

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

Commute Time in Toluca

The more time you spend in your car the higher the risk of an accident. The average commute length in Toluca, IL is 24.0 minutes according to City-Data.

Traffic in Toluca

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Toluca, IL traffic data from INRIX ranks Toluca as the 50th-most congested in the world.

Compare Car Insurance Quotes in Toluca, IL

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

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Average Monthly Car Insurance Rates by State