Compare Vandalia, IL Car Insurance Rates (2021)

Car insurance in Vandalia, IL averages $240 a month. Vandalia, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Vandalia car insurance rates, compare quotes from the top car insurance companies in Vandalia, 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 Vandalia, IL after a DUI are $3,362/year
  • The cheapest car insurance company in Vandalia is Travelers
  • Average car insurance rates in Vandalia, IL are $2,884/year

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

You’ll find Vandalia car insurance rates, the cheapest Vandalia, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Vandalia, Illinois car insurance rates to Elgin car insurance rates, Rockford car insurance rates, and Cicero car insurance rates.

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

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

How do age, gender, and marital status affect Vandalia, IL car insurance rates? Every Vandalia, 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 Vandalia, 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 $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,260 $2,264 $2,010 $2,119 $9,386 $9,789 $2,577 $2,705
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,346 $1,454 $1,120 $1,252 $4,288 $4,772 $1,408 $1,488
Nationwide $1,505 $1,533 $1,343 $1,422 $4,036 $5,173 $1,742 $1,884
Progressive $1,789 $1,702 $1,473 $1,536 $6,277 $7,057 $2,135 $2,314
State Farm $1,248 $1,248 $1,104 $1,104 $3,425 $4,355 $1,407 $1,610
Travelers $1,270 $1,340 $1,144 $1,219 $3,417 $4,221 $1,347 $1,418
USAA $1,638 $1,669 $1,524 $1,504 $5,277 $5,820 $2,158 $2,375

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Minimum Car Insurance in Vandalia, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Vandalia, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,742 $3,217 $2,718
Farmers $4,713 $3,946 $3,756
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,027 $1,888 $1,508
Nationwide $2,776 $2,244 $1,969
Progressive $3,464 $2,934 $2,707
State Farm $2,817 $1,687 $1,309
Travelers $2,355 $1,877 $1,535
USAA $3,657 $2,511 $2,069

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

Annual Vandalia, 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 $2,614 $3,723 $4,933 $2,966
Farmers $3,501 $4,498 $4,386 $4,170
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,791 $2,523 $2,225 $2,026
Nationwide $1,885 $2,428 $2,847 $2,159
Progressive $2,509 $3,693 $2,774 $3,166
State Farm $1,781 $2,094 $1,938 $1,938
Travelers $1,543 $2,001 $2,220 $1,924
USAA $1,958 $2,812 $3,851 $2,361

Cheapest Vandalia, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Vandalia, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,205 $8,633
Farmers $9,386 $9,789
GEICO $4,375 $4,641
Liberty Mutual $4,288 $4,772
Nationwide $4,036 $5,173
Progressive $6,277 $7,057
State Farm $3,425 $4,355
Travelers $3,417 $4,221
USAA $5,277 $5,820

Cheapest Vandalia, IL Car Insurance for Seniors

Take a look at Vandalia, 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 Vandalia, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $2,037 $2,037
Farmers $2,010 $2,119
GEICO $1,364 $1,612
Liberty Mutual $1,120 $1,252
Nationwide $1,343 $1,422
Progressive $1,473 $1,536
State Farm $1,104 $1,104
Travelers $1,144 $1,219
USAA $1,524 $1,504

Cheapest Vandalia, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Vandalia, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $4,933
Farmers $4,386
GEICO $3,141
Liberty Mutual $2,225
Nationwide $2,847
Progressive $2,774
State Farm $1,938
Travelers $2,220
USAA $3,851

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Cheapest Vandalia, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Vandalia, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,513 $3,605
Farmers $4,139 $4,139
GEICO $2,263 $2,351
Liberty Mutual $2,141 $2,141
Nationwide $2,330 $2,330
Progressive $3,035 $3,035
State Farm $1,889 $1,986
Travelers $1,848 $1,996
USAA $2,669 $2,823

The Best Cheap Car Insurance Companies in Vandalia, IL

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

Average Annual Car Insurance Rates by Company in Vandalia, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,559
Farmers $4,139
GEICO $2,307
Liberty Mutual $2,141
Nationwide $2,330
Progressive $3,035
State Farm $1,938
Travelers $1,922
USAA $2,746

Category Winners: Cheapest Car Insurance in Vandalia, Illinois

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

Best Annual Car Insurance Rates by Company in Vandalia, Illinois

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

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Cheapest Vandalia, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Vandalia, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,452 $3,688 $3,537
Farmers $3,949 $4,047 $4,420
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,023 $2,137 $2,264
Nationwide $2,330 $2,344 $2,315
Progressive $2,799 $3,029 $3,277
State Farm $1,844 $1,940 $2,029
Travelers $1,819 $1,920 $2,027
USAA $2,561 $2,743 $2,933

What affects car insurance rates in Vandalia, Illinois?

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

Commute Time in Vandalia

The more time you spend in your car the higher the risk of an accident. The average commute length in Vandalia, IL is 19.0 minutes according to City-Data.

Compare Car Insurance Quotes in Vandalia, IL

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

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Average Monthly Car Insurance Rates by State