Compare Watson, IL Car Insurance Rates (2021)

Car insurance in Watson, IL averages $241 a month. Watson, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Watson car insurance rates, compare quotes from the top car insurance companies in Watson, 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

  • Average car insurance rates in Watson, IL are $2,887/year
  • Average car insurance rates in Watson, IL after a DUI are $3,367/year
  • The cheapest car insurance company in Watson for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Watson, IL car insurance rates? Every Watson, 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 Watson, 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 $2,165 $2,165 $1,978 $1,978 $6,009 $8,367 $2,165 $2,787
Farmers $2,193 $2,193 $1,947 $2,057 $9,293 $9,684 $2,503 $2,622
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,312 $1,417 $1,094 $1,222 $4,130 $4,594 $1,372 $1,452
Nationwide $1,505 $1,533 $1,343 $1,422 $4,036 $5,173 $1,742 $1,884
Progressive $1,731 $1,644 $1,426 $1,487 $6,148 $6,908 $2,066 $2,240
State Farm $1,296 $1,296 $1,156 $1,156 $3,704 $4,697 $1,464 $1,685
Travelers $1,391 $1,467 $1,266 $1,349 $3,917 $4,900 $1,472 $1,551
USAA $1,638 $1,669 $1,524 $1,504 $5,277 $5,820 $2,158 $2,375

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 Watson, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Watson, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,600 $3,120 $2,635
Farmers $4,619 $3,877 $3,689
GEICO $3,690 $1,812 $1,417
Liberty Mutual $2,934 $1,828 $1,460
Nationwide $2,776 $2,244 $1,969
Progressive $3,373 $2,858 $2,638
State Farm $2,991 $1,791 $1,389
Travelers $2,645 $2,120 $1,727
USAA $3,657 $2,511 $2,069

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

Annual Watson, 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 $2,535 $3,615 $4,782 $2,876
Farmers $3,431 $4,418 $4,308 $4,088
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,735 $2,441 $2,156 $1,964
Nationwide $1,885 $2,428 $2,847 $2,159
Progressive $2,442 $3,602 $2,700 $3,081
State Farm $1,880 $2,233 $2,057 $2,057
Travelers $1,727 $2,253 $2,516 $2,161
USAA $1,958 $2,812 $3,851 $2,361

Cheapest Watson, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Watson, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,009 $8,367
Farmers $9,293 $9,684
GEICO $4,375 $4,641
Liberty Mutual $4,130 $4,594
Nationwide $4,036 $5,173
Progressive $6,148 $6,908
State Farm $3,704 $4,697
Travelers $3,917 $4,900
USAA $5,277 $5,820

Cheapest Watson, IL Car Insurance for Seniors

Take a look at Watson, 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 Watson, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $1,978 $1,978
Farmers $1,947 $2,057
GEICO $1,364 $1,612
Liberty Mutual $1,094 $1,222
Nationwide $1,343 $1,422
Progressive $1,426 $1,487
State Farm $1,156 $1,156
Travelers $1,266 $1,349
USAA $1,524 $1,504

Cheapest Watson, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Watson, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $4,782
Farmers $4,308
GEICO $3,141
Liberty Mutual $2,156
Nationwide $2,847
Progressive $2,700
State Farm $2,057
Travelers $2,516
USAA $3,851

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Watson, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Watson, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,407 $3,497
Farmers $4,061 $4,061
GEICO $2,263 $2,351
Liberty Mutual $2,074 $2,074
Nationwide $2,330 $2,330
Progressive $2,956 $2,956
State Farm $2,005 $2,108
Travelers $2,080 $2,248
USAA $2,669 $2,823

The Best Cheap Car Insurance Companies in Watson, IL

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

Average Annual Car Insurance Rates by Company in Watson, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,452
Farmers $4,061
GEICO $2,307
Liberty Mutual $2,074
Nationwide $2,330
Progressive $2,956
State Farm $2,057
Travelers $2,164
USAA $2,746

Category Winners: Cheapest Car Insurance in Watson, Illinois

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

Best Annual Car Insurance Rates by Company in Watson, Illinois

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record GEICO
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 Watson, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Watson, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,343 $3,577 $3,435
Farmers $3,870 $3,969 $4,344
GEICO $2,131 $2,300 $2,489
Liberty Mutual $1,961 $2,069 $2,191
Nationwide $2,330 $2,344 $2,315
Progressive $2,728 $2,950 $3,190
State Farm $1,949 $2,060 $2,161
Travelers $2,029 $2,162 $2,302
USAA $2,561 $2,743 $2,933

What affects car insurance rates in Watson, Illinois?

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

Commute Time in Watson

The more time you spend in your car the higher the risk of an accident. The average commute length in Watson, IL is 18.8 minutes according to City-Data.

Traffic in Watson

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Watson, IL traffic data from INRIX ranks Watson as the 704th-most congested in the world.

Compare Car Insurance Quotes in Watson, IL

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