Compare Tonica, IL Car Insurance Rates (2021)

Car insurance in Tonica, IL averages $252 a month. Tonica, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Tonica car insurance rates, compare quotes from the top car insurance companies in Tonica, IL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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.

Here's What You Need to Know

  • The cheapest car insurance company in Tonica is Liberty Mutual
  • Average car insurance rates in Tonica, IL are $3,027/year
  • The cheapest car insurance company in Tonica for teen drivers is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Tonica, IL car insurance rates? Every Tonica, 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 Tonica, 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 $3,213 $3,227 $3,361 $3,361 $8,381 $10,919 $3,866 $4,181
American Family $2,371 $2,371 $2,170 $2,170 $6,693 $9,286 $2,371 $3,057
Farmers $2,284 $2,284 $2,026 $2,144 $9,838 $10,253 $2,612 $2,733
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,247 $1,344 $1,043 $1,161 $3,994 $4,435 $1,302 $1,373
Nationwide $1,479 $1,505 $1,321 $1,398 $3,944 $5,055 $1,710 $1,850
Progressive $1,939 $1,836 $1,596 $1,667 $7,064 $7,937 $2,320 $2,529
State Farm $1,331 $1,331 $1,192 $1,192 $3,841 $4,858 $1,504 $1,737
Travelers $1,444 $1,522 $1,315 $1,400 $4,114 $5,135 $1,531 $1,611
USAA $1,646 $1,691 $1,528 $1,521 $5,146 $5,708 $2,172 $2,413

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Tonica, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Tonica, Illinois

Insurance Company Poor Fair Good
Allstate $6,453 $4,661 $4,077
American Family $5,070 $3,448 $2,914
Farmers $4,855 $4,080 $3,881
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,805 $1,755 $1,402
Nationwide $2,717 $2,199 $1,932
Progressive $3,826 $3,251 $3,007
State Farm $3,083 $1,850 $1,437
Travelers $2,757 $2,218 $1,803
USAA $3,649 $2,490 $2,046

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

Annual Tonica, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,607 $6,157 $5,736 $4,754
American Family $2,801 $3,977 $5,288 $3,178
Farmers $3,605 $4,650 $4,534 $4,297
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,660 $2,342 $2,065 $1,882
Nationwide $1,847 $2,379 $2,789 $2,115
Progressive $2,770 $4,112 $3,063 $3,500
State Farm $1,939 $2,308 $2,123 $2,123
Travelers $1,803 $2,358 $2,617 $2,257
USAA $1,955 $2,785 $3,820 $2,352

Cheapest Tonica, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Tonica, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,381 $10,919
American Family $6,693 $9,286
Farmers $9,838 $10,253
GEICO $4,524 $4,715
Liberty Mutual $3,994 $4,435
Nationwide $3,944 $5,055
Progressive $7,064 $7,937
State Farm $3,841 $4,858
Travelers $4,114 $5,135
USAA $5,146 $5,708

Cheapest Tonica, IL Car Insurance for Seniors

Take a look at Tonica, 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 Tonica, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,361 $3,361
American Family $2,170 $2,170
Farmers $2,026 $2,144
GEICO $1,429 $1,724
Liberty Mutual $1,043 $1,161
Nationwide $1,321 $1,398
Progressive $1,596 $1,667
State Farm $1,192 $1,192
Travelers $1,315 $1,400
USAA $1,528 $1,521

Cheapest Tonica, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Tonica, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,736
American Family $5,288
Farmers $4,534
GEICO $3,243
Liberty Mutual $2,065
Nationwide $2,789
Progressive $3,063
State Farm $2,123
Travelers $2,617
USAA $3,820

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Tonica, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Tonica, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,064 $5,064
American Family $3,762 $3,860
Farmers $4,272 $4,272
GEICO $2,338 $2,425
Liberty Mutual $1,987 $1,987
Nationwide $2,283 $2,283
Progressive $3,361 $3,361
State Farm $2,071 $2,176
Travelers $2,171 $2,347
USAA $2,651 $2,805

The Best Cheap Car Insurance Companies in Tonica, IL

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

Average Annual Car Insurance Rates by Company in Tonica, Illinois

Insurance Company Average Annual Rates
Allstate $5,064
American Family $3,811
Farmers $4,272
GEICO $2,382
Liberty Mutual $1,987
Nationwide $2,283
Progressive $3,361
State Farm $2,123
Travelers $2,259
USAA $2,728

Category Winners: Cheapest Car Insurance in Tonica, Illinois

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

Best Annual Car Insurance Rates by Company in Tonica, Illinois

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Tonica, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Tonica, Illinois

Insurance Company Low Medium High
Allstate $4,918 $5,059 $5,214
American Family $3,669 $3,950 $3,813
Farmers $4,064 $4,171 $4,580
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,882 $1,983 $2,097
Nationwide $2,267 $2,301 $2,280
Progressive $3,123 $3,355 $3,606
State Farm $2,011 $2,125 $2,233
Travelers $2,130 $2,257 $2,390
USAA $2,560 $2,725 $2,900

What affects car insurance rates in Tonica, Illinois?

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

Commute Time in Tonica

The more time you spend in your car the higher the risk of an accident. The average commute length in Tonica, IL is 23.7 minutes according to City-Data.

Compare Car Insurance Quotes in Tonica, IL

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State