Compare Waterman, IL Car Insurance Rates (2021)

Car insurance in Waterman, IL averages $259 a month. Waterman, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Waterman car insurance rates, compare quotes from the top car insurance companies in Waterman, 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 Waterman, IL are $3,104/year
  • The cheapest car insurance company in Waterman for teen drivers is GEICO
  • Average car insurance rates in Waterman, IL after a DUI are $3,620/year

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

You’ll find Waterman car insurance rates, the cheapest Waterman, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Waterman, Illinois car insurance rates to Champaign car insurance rates, Chicago car insurance rates, and Elgin car insurance rates.

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

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

How do age, gender, and marital status affect Waterman, IL car insurance rates? Every Waterman, 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 Waterman, 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 $3,453 $3,468 $3,618 $3,618 $9,036 $11,754 $4,156 $4,493
American Family $2,217 $2,217 $2,034 $2,034 $6,337 $8,753 $2,217 $2,863
Farmers $2,301 $2,297 $2,039 $2,158 $10,014 $10,435 $2,636 $2,757
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,369 $1,477 $1,137 $1,270 $4,636 $5,158 $1,431 $1,510
Nationwide $1,783 $1,810 $1,591 $1,681 $4,888 $6,259 $2,077 $2,246
Progressive $1,670 $1,571 $1,376 $1,444 $6,196 $6,947 $1,985 $2,150
State Farm $1,399 $1,399 $1,257 $1,257 $4,099 $5,188 $1,583 $1,825
Travelers $1,530 $1,614 $1,405 $1,497 $4,489 $5,663 $1,619 $1,705
USAA $1,600 $1,645 $1,486 $1,482 $4,980 $5,522 $2,110 $2,346

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Minimum Car Insurance in Waterman, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Waterman, Illinois

Insurance Company Poor Fair Good
Allstate $6,949 $5,012 $4,387
American Family $4,757 $3,246 $2,749
Farmers $4,915 $4,138 $3,936
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,179 $1,986 $1,580
Nationwide $3,326 $2,691 $2,358
Progressive $3,323 $2,822 $2,608
State Farm $3,269 $1,961 $1,522
Travelers $2,974 $2,399 $1,948
USAA $3,539 $2,416 $1,985

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

Annual Waterman, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,867 $6,647 $6,171 $5,113
American Family $2,633 $3,748 $4,970 $2,986
Farmers $3,651 $4,716 $4,597 $4,355
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,871 $2,661 $2,337 $2,126
Nationwide $2,255 $2,910 $3,416 $2,586
Progressive $2,404 $3,573 $2,662 $3,030
State Farm $2,051 $2,451 $2,251 $2,251
Travelers $1,939 $2,542 $2,849 $2,433
USAA $1,898 $2,702 $3,703 $2,283

Cheapest Waterman, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterman, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,036 $11,754
American Family $6,337 $8,753
Farmers $10,014 $10,435
GEICO $4,524 $4,715
Liberty Mutual $4,636 $5,158
Nationwide $4,888 $6,259
Progressive $6,196 $6,947
State Farm $4,099 $5,188
Travelers $4,489 $5,663
USAA $4,980 $5,522

Cheapest Waterman, IL Car Insurance for Seniors

Take a look at Waterman, 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 Waterman, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,618 $3,618
American Family $2,034 $2,034
Farmers $2,039 $2,158
GEICO $1,429 $1,724
Liberty Mutual $1,137 $1,270
Nationwide $1,591 $1,681
Progressive $1,376 $1,444
State Farm $1,257 $1,257
Travelers $1,405 $1,497
USAA $1,486 $1,482

Cheapest Waterman, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterman, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,171
American Family $4,970
Farmers $4,597
GEICO $3,243
Liberty Mutual $2,337
Nationwide $3,416
Progressive $2,662
State Farm $2,251
Travelers $2,849
USAA $3,703

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Cheapest Waterman, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterman, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,450 $5,450
American Family $3,538 $3,630
Farmers $4,330 $4,330
GEICO $2,338 $2,425
Liberty Mutual $2,249 $2,249
Nationwide $2,792 $2,792
Progressive $2,917 $2,917
State Farm $2,194 $2,308
Travelers $2,345 $2,536
USAA $2,572 $2,721

The Best Cheap Car Insurance Companies in Waterman, IL

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

Average Annual Car Insurance Rates by Company in Waterman, Illinois

Insurance Company Average Annual Rates
Allstate $5,450
American Family $3,584
Farmers $4,330
GEICO $2,382
Liberty Mutual $2,249
Nationwide $2,792
Progressive $2,917
State Farm $2,251
Travelers $2,440
USAA $2,647

Category Winners: Cheapest Car Insurance in Waterman, Illinois

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

Best Annual Car Insurance Rates by Company in Waterman, Illinois

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

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Cheapest Waterman, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waterman, Illinois

Insurance Company Low Medium High
Allstate $5,275 $5,444 $5,629
American Family $3,443 $3,716 $3,593
Farmers $4,122 $4,229 $4,638
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,119 $2,244 $2,383
Nationwide $2,749 $2,820 $2,806
Progressive $2,660 $2,908 $3,185
State Farm $2,122 $2,254 $2,377
Travelers $2,275 $2,437 $2,609
USAA $2,479 $2,643 $2,817

What affects car insurance rates in Waterman, Illinois?

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

Commute Time in Waterman

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterman, IL is 35.1 minutes according to City-Data.

Compare Car Insurance Quotes in Waterman, IL

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

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Average Monthly Car Insurance Rates by State