Compare Wauconda, IL Car Insurance Rates (2021)

Car insurance in Wauconda, IL averages $278 a month. Wauconda, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Wauconda car insurance rates, compare quotes from the top car insurance companies in Wauconda, 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 Wauconda, IL after a DUI are $3,923/year
  • Average car insurance rates in Wauconda, IL are $3,340/year
  • The cheapest car insurance company in Wauconda for teen drivers is USAA

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

You’ll find Wauconda car insurance rates, the cheapest Wauconda, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Wauconda, Illinois car insurance rates to Aurora car insurance rates, Cicero car insurance rates, and Springfield car insurance rates.

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

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

How do age, gender, and marital status affect Wauconda, IL car insurance rates? Every Wauconda, 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 Wauconda, 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 $3,367 $3,382 $3,534 $3,534 $8,908 $11,562 $4,050 $4,378
American Family $2,290 $2,290 $2,105 $2,105 $6,649 $9,148 $2,290 $2,961
Farmers $2,397 $2,392 $2,119 $2,248 $10,729 $11,188 $2,747 $2,862
GEICO $1,799 $1,856 $1,755 $1,970 $6,746 $6,990 $2,109 $2,191
Liberty Mutual $1,422 $1,531 $1,175 $1,311 $5,080 $5,648 $1,488 $1,566
Nationwide $1,685 $1,709 $1,507 $1,589 $4,585 $5,855 $1,959 $2,115
Progressive $2,095 $1,954 $1,737 $1,822 $8,046 $9,014 $2,488 $2,685
State Farm $1,443 $1,443 $1,305 $1,305 $4,614 $5,822 $1,638 $1,895
Travelers $1,741 $1,836 $1,622 $1,727 $5,416 $6,919 $1,838 $1,935
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 Wauconda, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Wauconda, Illinois

Insurance Company Poor Fair Good
Allstate $6,787 $4,922 $4,309
American Family $4,940 $3,382 $2,866
Farmers $5,192 $4,390 $4,174
GEICO $5,113 $2,485 $1,932
Liberty Mutual $3,391 $2,128 $1,689
Nationwide $3,126 $2,532 $2,218
Progressive $4,228 $3,613 $3,349
State Farm $3,540 $2,118 $1,642
Travelers $3,494 $2,845 $2,299
USAA $3,313 $2,284 $1,886

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

Annual Wauconda, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,753 $6,522 $6,082 $5,000
American Family $2,741 $3,894 $5,175 $3,108
Farmers $3,864 $5,001 $4,876 $4,600
GEICO $2,113 $3,426 $4,690 $2,478
Liberty Mutual $1,992 $2,854 $2,496 $2,268
Nationwide $2,128 $2,736 $3,204 $2,435
Progressive $3,061 $4,597 $3,399 $3,863
State Farm $2,207 $2,659 $2,433 $2,433
Travelers $2,274 $3,003 $3,379 $2,861
USAA $1,778 $2,560 $3,494 $2,145

Cheapest Wauconda, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Wauconda, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,908 $11,562
American Family $6,649 $9,148
Farmers $10,729 $11,188
GEICO $6,746 $6,990
Liberty Mutual $5,080 $5,648
Nationwide $4,585 $5,855
Progressive $8,046 $9,014
State Farm $4,614 $5,822
Travelers $5,416 $6,919
USAA $4,831 $5,307

Cheapest Wauconda, IL Car Insurance for Seniors

Take a look at Wauconda, 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 Wauconda, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,534 $3,534
American Family $2,105 $2,105
Farmers $2,119 $2,248
GEICO $1,755 $1,970
Liberty Mutual $1,175 $1,311
Nationwide $1,507 $1,589
Progressive $1,737 $1,822
State Farm $1,305 $1,305
Travelers $1,622 $1,727
USAA $1,386 $1,358

Cheapest Wauconda, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wauconda, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,082
American Family $5,175
Farmers $4,876
GEICO $4,690
Liberty Mutual $2,496
Nationwide $3,204
Progressive $3,399
State Farm $2,433
Travelers $3,379
USAA $3,494

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Cheapest Wauconda, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wauconda, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,339 $5,339
American Family $3,683 $3,777
Farmers $4,585 $4,585
GEICO $3,125 $3,229
Liberty Mutual $2,402 $2,402
Nationwide $2,626 $2,626
Progressive $3,730 $3,730
State Farm $2,372 $2,494
Travelers $2,765 $2,994
USAA $2,424 $2,564

The Best Cheap Car Insurance Companies in Wauconda, IL

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

Average Annual Car Insurance Rates by Company in Wauconda, Illinois

Insurance Company Average Annual Rates
Allstate $5,339
American Family $3,730
Farmers $4,585
GEICO $3,177
Liberty Mutual $2,402
Nationwide $2,626
Progressive $3,730
State Farm $2,433
Travelers $2,879
USAA $2,494

Category Winners: Cheapest Car Insurance in Wauconda, Illinois

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

Best Annual Car Insurance Rates by Company in Wauconda, Illinois

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

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Cheapest Wauconda, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Wauconda, Illinois

Insurance Company Low Medium High
Allstate $5,171 $5,334 $5,513
American Family $3,563 $3,867 $3,759
Farmers $4,352 $4,472 $4,932
GEICO $2,894 $3,180 $3,456
Liberty Mutual $2,271 $2,398 $2,538
Nationwide $2,579 $2,652 $2,645
Progressive $3,366 $3,718 $4,106
State Farm $2,290 $2,439 $2,570
Travelers $2,662 $2,875 $3,101
USAA $2,319 $2,492 $2,671

What affects car insurance rates in Wauconda, Illinois?

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

Commute Time in Wauconda

The more time you spend in your car the higher the risk of an accident. The average commute length in Wauconda, IL is 33.1 minutes according to City-Data.

Compare Car Insurance Quotes in Wauconda, IL

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

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Average Monthly Car Insurance Rates by State