Compare Vernon Hills, IL Car Insurance Rates (2021)

Car insurance in Vernon Hills, IL averages $283 a month. Vernon Hills, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Vernon Hills car insurance rates, compare quotes from the top car insurance companies in Vernon Hills, 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 Vernon Hills is USAA
  • The cheapest car insurance company in Vernon Hills for teen drivers is USAA
  • Average car insurance rates in Vernon Hills, IL are $3,401/year

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

You’ll find Vernon Hills car insurance rates, the cheapest Vernon Hills, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Vernon Hills, Illinois car insurance rates to Aurora car insurance rates, Elgin car insurance rates, and Naperville car insurance rates.

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

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

How do age, gender, and marital status affect Vernon Hills, IL car insurance rates? Every Vernon Hills, 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 Vernon Hills, 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 $3,390 $3,405 $3,556 $3,556 $8,957 $11,624 $4,077 $4,407
American Family $2,290 $2,290 $2,105 $2,105 $6,649 $9,148 $2,290 $2,961
Farmers $2,568 $2,567 $2,267 $2,407 $11,647 $12,167 $2,937 $3,055
GEICO $1,799 $1,856 $1,755 $1,970 $6,746 $6,990 $2,109 $2,191
Liberty Mutual $1,489 $1,604 $1,234 $1,378 $5,304 $5,894 $1,555 $1,633
Nationwide $1,713 $1,735 $1,533 $1,615 $4,686 $5,975 $1,995 $2,151
Progressive $2,097 $1,957 $1,738 $1,821 $8,099 $9,063 $2,501 $2,707
State Farm $1,584 $1,584 $1,436 $1,436 $5,123 $6,460 $1,799 $2,084
Travelers $1,624 $1,710 $1,509 $1,606 $5,001 $6,355 $1,714 $1,803
USAA $1,488 $1,506 $1,386 $1,358 $4,831 $5,307 $1,948 $2,129

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Minimum Car Insurance in Vernon Hills, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Vernon Hills, Illinois

Insurance Company Poor Fair Good
Allstate $6,828 $4,952 $4,334
American Family $4,940 $3,382 $2,866
Farmers $5,601 $4,743 $4,511
GEICO $5,113 $2,485 $1,932
Liberty Mutual $3,548 $2,223 $1,763
Nationwide $3,185 $2,581 $2,260
Progressive $4,250 $3,628 $3,367
State Farm $3,912 $2,340 $1,813
Travelers $3,232 $2,635 $2,128
USAA $3,313 $2,284 $1,886

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

Annual Vernon Hills, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,781 $6,557 $6,118 $5,031
American Family $2,741 $3,894 $5,175 $3,108
Farmers $4,176 $5,404 $5,269 $4,957
GEICO $2,113 $3,426 $4,690 $2,478
Liberty Mutual $2,081 $2,985 $2,609 $2,371
Nationwide $2,170 $2,787 $3,262 $2,482
Progressive $3,075 $4,623 $3,411 $3,882
State Farm $2,435 $2,942 $2,688 $2,688
Travelers $2,112 $2,786 $3,112 $2,651
USAA $1,778 $2,560 $3,494 $2,145

Cheapest Vernon Hills, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Vernon Hills, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,957 $11,624
American Family $6,649 $9,148
Farmers $11,647 $12,167
GEICO $6,746 $6,990
Liberty Mutual $5,304 $5,894
Nationwide $4,686 $5,975
Progressive $8,099 $9,063
State Farm $5,123 $6,460
Travelers $5,001 $6,355
USAA $4,831 $5,307

Cheapest Vernon Hills, IL Car Insurance for Seniors

Take a look at Vernon Hills, 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 Vernon Hills, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,556 $3,556
American Family $2,105 $2,105
Farmers $2,267 $2,407
GEICO $1,755 $1,970
Liberty Mutual $1,234 $1,378
Nationwide $1,533 $1,615
Progressive $1,738 $1,821
State Farm $1,436 $1,436
Travelers $1,509 $1,606
USAA $1,386 $1,358

Cheapest Vernon Hills, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Vernon Hills, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,118
American Family $5,175
Farmers $5,269
GEICO $4,690
Liberty Mutual $2,609
Nationwide $3,262
Progressive $3,411
State Farm $2,688
Travelers $3,112
USAA $3,494

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Cheapest Vernon Hills, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Vernon Hills, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,372 $5,372
American Family $3,683 $3,777
Farmers $4,952 $4,952
GEICO $3,125 $3,229
Liberty Mutual $2,511 $2,511
Nationwide $2,675 $2,675
Progressive $3,748 $3,748
State Farm $2,621 $2,756
Travelers $2,560 $2,770
USAA $2,424 $2,564

The Best Cheap Car Insurance Companies in Vernon Hills, IL

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

Average Annual Car Insurance Rates by Company in Vernon Hills, Illinois

Insurance Company Average Annual Rates
Allstate $5,372
American Family $3,730
Farmers $4,952
GEICO $3,177
Liberty Mutual $2,511
Nationwide $2,675
Progressive $3,748
State Farm $2,688
Travelers $2,665
USAA $2,494

Category Winners: Cheapest Car Insurance in Vernon Hills, Illinois

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

Best Annual Car Insurance Rates by Company in Vernon Hills, Illinois

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

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Cheapest Vernon Hills, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Vernon Hills, Illinois

Insurance Company Low Medium High
Allstate $5,205 $5,367 $5,544
American Family $3,563 $3,867 $3,759
Farmers $4,684 $4,819 $5,352
GEICO $2,894 $3,180 $3,456
Liberty Mutual $2,369 $2,506 $2,658
Nationwide $2,620 $2,704 $2,702
Progressive $3,445 $3,734 $4,065
State Farm $2,526 $2,695 $2,844
Travelers $2,484 $2,662 $2,850
USAA $2,319 $2,492 $2,671

What affects car insurance rates in Vernon Hills, Illinois?

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

Commute Time in Vernon Hills

The more time you spend in your car the higher the risk of an accident. The average commute length in Vernon Hills, IL is 29.6 minutes according to City-Data.

Compare Car Insurance Quotes in Vernon Hills, IL

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

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Average Monthly Car Insurance Rates by State