Compare Waterloo, IL Car Insurance Rates (2021)

Car insurance in Waterloo, IL averages $285 a month. Waterloo, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Waterloo car insurance rates, compare quotes from the top car insurance companies in Waterloo, IL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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

  • Average car insurance rates in Waterloo, IL after a DUI are $4,015/year
  • The cheapest car insurance company in Waterloo for teen drivers is State Farm
  • Average car insurance rates in Waterloo, IL are $3,420/year

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

You’ll find Waterloo car insurance rates, the cheapest Waterloo, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Waterloo, Illinois car insurance rates to Champaign car insurance rates, Joliet car insurance rates, and Rockford car insurance rates.

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

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

How do age, gender, and marital status affect Waterloo, IL car insurance rates? Every Waterloo, 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 Waterloo, 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 $3,244 $3,259 $3,395 $3,395 $8,424 $10,922 $3,895 $4,206
American Family $2,520 $2,520 $2,307 $2,307 $7,150 $9,916 $2,520 $3,250
Farmers $2,479 $2,479 $2,198 $2,332 $10,755 $11,202 $2,822 $2,938
GEICO $1,727 $1,757 $1,670 $2,030 $5,565 $5,775 $2,170 $2,061
Liberty Mutual $1,480 $1,600 $1,224 $1,372 $4,991 $5,562 $1,549 $1,637
Nationwide $2,375 $2,419 $2,104 $2,236 $6,607 $8,514 $2,773 $3,012
Progressive $2,099 $1,976 $1,733 $1,828 $7,487 $8,385 $2,483 $2,648
State Farm $1,415 $1,415 $1,269 $1,269 $4,118 $5,227 $1,601 $1,839
Travelers $1,561 $1,647 $1,428 $1,523 $4,554 $5,732 $1,653 $1,741
USAA $1,801 $1,834 $1,675 $1,652 $5,887 $6,497 $2,384 $2,622

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 Waterloo, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Waterloo, Illinois

Insurance Company Poor Fair Good
Allstate $6,490 $4,683 $4,104
American Family $5,403 $3,675 $3,107
Farmers $5,284 $4,442 $4,226
GEICO $4,571 $2,228 $1,734
Liberty Mutual $3,438 $2,141 $1,702
Nationwide $4,492 $3,613 $3,159
Progressive $4,097 $3,457 $3,186
State Farm $3,300 $1,975 $1,531
Travelers $3,024 $2,437 $1,979
USAA $4,054 $2,784 $2,294

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

Annual Waterloo, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,624 $6,208 $5,757 $4,780
American Family $2,987 $4,229 $5,640 $3,389
Farmers $3,928 $5,067 $4,942 $4,666
GEICO $2,044 $2,834 $3,948 $2,551
Liberty Mutual $2,020 $2,872 $2,522 $2,294
Nationwide $3,008 $3,920 $4,625 $3,468
Progressive $2,950 $4,368 $3,274 $3,727
State Farm $2,070 $2,469 $2,269 $2,269
Travelers $1,971 $2,584 $2,891 $2,474
USAA $2,164 $3,120 $4,282 $2,611

Cheapest Waterloo, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterloo, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,424 $10,922
American Family $7,150 $9,916
Farmers $10,755 $11,202
GEICO $5,565 $5,775
Liberty Mutual $4,991 $5,562
Nationwide $6,607 $8,514
Progressive $7,487 $8,385
State Farm $4,118 $5,227
Travelers $4,554 $5,732
USAA $5,887 $6,497

Cheapest Waterloo, IL Car Insurance for Seniors

Take a look at Waterloo, 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 Waterloo, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,395 $3,395
American Family $2,307 $2,307
Farmers $2,198 $2,332
GEICO $1,670 $2,030
Liberty Mutual $1,224 $1,372
Nationwide $2,104 $2,236
Progressive $1,733 $1,828
State Farm $1,269 $1,269
Travelers $1,428 $1,523
USAA $1,675 $1,652

Cheapest Waterloo, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterloo, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,757
American Family $5,640
Farmers $4,942
GEICO $3,948
Liberty Mutual $2,522
Nationwide $4,625
Progressive $3,274
State Farm $2,269
Travelers $2,891
USAA $4,282

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Waterloo, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterloo, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,092 $5,092
American Family $4,009 $4,114
Farmers $4,651 $4,651
GEICO $2,792 $2,897
Liberty Mutual $2,427 $2,427
Nationwide $3,755 $3,755
Progressive $3,580 $3,580
State Farm $2,211 $2,327
Travelers $2,383 $2,577
USAA $2,958 $3,130

The Best Cheap Car Insurance Companies in Waterloo, IL

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

Average Annual Car Insurance Rates by Company in Waterloo, Illinois

Insurance Company Average Annual Rates
Allstate $5,092
American Family $4,061
Farmers $4,651
GEICO $2,844
Liberty Mutual $2,427
Nationwide $3,755
Progressive $3,580
State Farm $2,269
Travelers $2,480
USAA $3,044

Category Winners: Cheapest Car Insurance in Waterloo, Illinois

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

Best Annual Car Insurance Rates by Company in Waterloo, 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 State Farm

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Waterloo, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waterloo, Illinois

Insurance Company Low Medium High
Allstate $4,911 $5,086 $5,280
American Family $3,896 $4,211 $4,078
Farmers $4,408 $4,534 $5,010
GEICO $2,566 $2,833 $3,134
Liberty Mutual $2,281 $2,421 $2,578
Nationwide $3,730 $3,788 $3,747
Progressive $3,226 $3,549 $3,965
State Farm $2,138 $2,273 $2,396
Travelers $2,317 $2,477 $2,647
USAA $2,838 $3,041 $3,253

What affects car insurance rates in Waterloo, Illinois?

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

Commute Time in Waterloo

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterloo, IL is 30.4 minutes according to City-Data.

Compare Car Insurance Quotes in Waterloo, IL

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