Compare Warsaw, IL Car Insurance Rates (2021)

Car insurance in Warsaw, IL averages $252 a month. Warsaw, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Warsaw car insurance rates, compare quotes from the top car insurance companies in Warsaw, 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 Warsaw for teen drivers is State Farm
  • Average car insurance rates in Warsaw, IL after a DUI are $3,542/year
  • Average car insurance rates in Warsaw, IL are $3,028/year

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

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

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

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

How do age, gender, and marital status affect Warsaw, IL car insurance rates? Every Warsaw, 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 Warsaw, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,501 $2,501 $2,278 $2,278 $6,853 $9,591 $2,501 $3,218
Farmers $2,341 $2,345 $2,087 $2,196 $9,413 $9,802 $2,662 $2,797
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,366 $1,477 $1,135 $1,269 $4,317 $4,806 $1,433 $1,518
Nationwide $1,706 $1,740 $1,517 $1,611 $4,593 $5,910 $1,976 $2,143
Progressive $1,989 $1,923 $1,639 $1,695 $6,347 $7,159 $2,385 $2,574
State Farm $1,357 $1,357 $1,195 $1,195 $3,637 $4,636 $1,528 $1,742
Travelers $1,460 $1,541 $1,315 $1,402 $4,014 $4,979 $1,551 $1,634
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

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 Warsaw, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Warsaw, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $5,302 $3,577 $3,016
Farmers $4,800 $4,004 $3,812
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,066 $1,907 $1,523
Nationwide $3,164 $2,550 $2,235
Progressive $3,689 $3,102 $2,851
State Farm $3,026 $1,812 $1,405
Travelers $2,739 $2,187 $1,785
USAA $3,661 $2,516 $2,074

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

Annual Warsaw, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,914 $4,133 $5,504 $3,309
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,811 $2,549 $2,251 $2,050
Nationwide $2,134 $2,763 $3,250 $2,452
Progressive $2,671 $3,865 $2,945 $3,375
State Farm $1,919 $2,243 $2,081 $2,081
Travelers $1,788 $2,331 $2,590 $2,238
USAA $1,960 $2,818 $3,858 $2,364

Cheapest Warsaw, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Warsaw, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,853 $9,591
Farmers $9,413 $9,802
GEICO $4,847 $5,129
Liberty Mutual $4,317 $4,806
Nationwide $4,593 $5,910
Progressive $6,347 $7,159
State Farm $3,637 $4,636
Travelers $4,014 $4,979
USAA $5,289 $5,831

Cheapest Warsaw, IL Car Insurance for Seniors

Take a look at Warsaw, 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 Warsaw, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,278 $2,278
Farmers $2,087 $2,196
GEICO $1,521 $1,797
Liberty Mutual $1,135 $1,269
Nationwide $1,517 $1,611
Progressive $1,639 $1,695
State Farm $1,195 $1,195
Travelers $1,315 $1,402
USAA $1,527 $1,507

Cheapest Warsaw, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Warsaw, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,008
American Family $5,504
Farmers $4,452
GEICO $3,482
Liberty Mutual $2,251
Nationwide $3,250
Progressive $2,945
State Farm $2,081
Travelers $2,590
USAA $3,858

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Warsaw, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Warsaw, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,913 $4,017
Farmers $4,205 $4,205
GEICO $2,519 $2,617
Liberty Mutual $2,165 $2,165
Nationwide $2,650 $2,650
Progressive $3,214 $3,214
State Farm $2,029 $2,133
Travelers $2,150 $2,324
USAA $2,673 $2,827

The Best Cheap Car Insurance Companies in Warsaw, IL

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

Average Annual Car Insurance Rates by Company in Warsaw, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,965
Farmers $4,205
GEICO $2,568
Liberty Mutual $2,165
Nationwide $2,650
Progressive $3,214
State Farm $2,081
Travelers $2,237
USAA $2,750

Category Winners: Cheapest Car Insurance in Warsaw, Illinois

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

Best Annual Car Insurance Rates by Company in Warsaw, Illinois

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record Travelers
With 1 Accident State Farm
With 1 DUI State Farm
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 Warsaw, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Warsaw, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,867 $4,109 $3,919
Farmers $4,025 $4,120 $4,470
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,050 $2,161 $2,285
Nationwide $2,654 $2,667 $2,629
Progressive $3,017 $3,206 $3,418
State Farm $1,984 $2,084 $2,175
Travelers $2,112 $2,235 $2,364
USAA $2,561 $2,747 $2,942

What affects car insurance rates in Warsaw, Illinois?

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

Commute Time in Warsaw

The more time you spend in your car the higher the risk of an accident. The average commute length in Warsaw, IL is 22.8 minutes according to City-Data.

Traffic in Warsaw

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Warsaw, IL traffic data from INRIX ranks Warsaw as the 40th-most congested in the world.

Compare Car Insurance Quotes in Warsaw, IL

Ready to find affordable Warsaw, Illinois car insurance today? Enter your ZIP code for fast, free Warsaw, 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