Compare Wayne City, IL Car Insurance Rates (2021)

Car insurance in Wayne City, IL averages $262 a month. Wayne City, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Wayne City car insurance rates, compare quotes from the top car insurance companies in Wayne City, 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 Wayne City, IL are $3,143/year
  • The cheapest car insurance company in Wayne City is Travelers
  • The cheapest car insurance company in Wayne City for teen drivers is Travelers

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

You’ll find Wayne City car insurance rates, the cheapest Wayne City, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Wayne City, Illinois car insurance rates to Joliet car insurance rates, Aurora car insurance rates, and Peoria car insurance rates.

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

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

How do age, gender, and marital status affect Wayne City, IL car insurance rates? Every Wayne City, 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 Wayne City, 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 $2,815 $2,828 $2,937 $2,937 $7,239 $9,407 $3,382 $3,654
American Family $2,201 $2,201 $2,014 $2,014 $6,175 $8,572 $2,201 $2,838
Farmers $2,374 $2,382 $2,114 $2,224 $9,640 $10,059 $2,701 $2,840
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,376 $1,488 $1,145 $1,282 $4,299 $4,787 $1,440 $1,524
Nationwide $2,166 $2,208 $1,920 $2,041 $5,974 $7,701 $2,524 $2,742
Progressive $2,187 $2,102 $1,801 $1,878 $7,034 $7,924 $2,606 $2,790
State Farm $1,451 $1,451 $1,272 $1,272 $3,810 $4,866 $1,632 $1,856
Travelers $1,372 $1,449 $1,221 $1,303 $3,587 $4,397 $1,461 $1,540
USAA $1,706 $1,737 $1,586 $1,562 $5,528 $6,101 $2,251 $2,475

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Minimum Car Insurance in Wayne City, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Wayne City, Illinois

Insurance Company Poor Fair Good
Allstate $5,622 $4,042 $3,535
American Family $4,695 $3,190 $2,696
Farmers $4,893 $4,088 $3,893
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,070 $1,908 $1,524
Nationwide $4,078 $3,280 $2,871
Progressive $4,071 $3,415 $3,135
State Farm $3,202 $1,917 $1,486
Travelers $2,509 $1,987 $1,628
USAA $3,823 $2,623 $2,160

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

Annual Wayne City, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,164 $5,342 $4,955 $4,138
American Family $2,590 $3,691 $4,889 $2,939
Farmers $3,635 $4,659 $4,544 $4,328
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,814 $2,551 $2,253 $2,052
Nationwide $2,733 $3,559 $4,198 $3,149
Progressive $2,937 $4,263 $3,246 $3,715
State Farm $2,035 $2,368 $2,201 $2,201
Travelers $1,640 $2,125 $2,353 $2,047
USAA $2,043 $2,938 $4,028 $2,465

Cheapest Wayne City, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Wayne City, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,239 $9,407
American Family $6,175 $8,572
Farmers $9,640 $10,059
GEICO $5,690 $6,014
Liberty Mutual $4,299 $4,787
Nationwide $5,974 $7,701
Progressive $7,034 $7,924
State Farm $3,810 $4,866
Travelers $3,587 $4,397
USAA $5,528 $6,101

Cheapest Wayne City, IL Car Insurance for Seniors

Take a look at Wayne City, 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 Wayne City, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $2,937
American Family $2,014 $2,014
Farmers $2,114 $2,224
GEICO $1,757 $2,095
Liberty Mutual $1,145 $1,282
Nationwide $1,920 $2,041
Progressive $1,801 $1,878
State Farm $1,272 $1,272
Travelers $1,221 $1,303
USAA $1,586 $1,562

Cheapest Wayne City, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wayne City, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,955
American Family $4,889
Farmers $4,544
GEICO $4,060
Liberty Mutual $2,253
Nationwide $4,198
Progressive $3,246
State Farm $2,201
Travelers $2,353
USAA $4,028

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Cheapest Wayne City, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wayne City, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,400 $4,400
American Family $3,482 $3,573
Farmers $4,292 $4,292
GEICO $2,920 $3,043
Liberty Mutual $2,167 $2,167
Nationwide $3,410 $3,410
Progressive $3,540 $3,540
State Farm $2,146 $2,257
Travelers $1,962 $2,120
USAA $2,788 $2,949

The Best Cheap Car Insurance Companies in Wayne City, IL

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

Average Annual Car Insurance Rates by Company in Wayne City, Illinois

Insurance Company Average Annual Rates
Allstate $4,400
American Family $3,527
Farmers $4,292
GEICO $2,982
Liberty Mutual $2,167
Nationwide $3,410
Progressive $3,540
State Farm $2,201
Travelers $2,041
USAA $2,868

Category Winners: Cheapest Car Insurance in Wayne City, Illinois

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

Best Annual Car Insurance Rates by Company in Wayne City, Illinois

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

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Cheapest Wayne City, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Wayne City, Illinois

Insurance Company Low Medium High
Allstate $4,257 $4,395 $4,546
American Family $3,413 $3,656 $3,512
Farmers $4,103 $4,200 $4,573
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,046 $2,163 $2,294
Nationwide $3,399 $3,437 $3,393
Progressive $3,254 $3,520 $3,847
State Farm $2,102 $2,204 $2,298
Travelers $1,941 $2,040 $2,144
USAA $2,681 $2,866 $3,058

What affects car insurance rates in Wayne City, Illinois?

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

Commute Time in Wayne City

The more time you spend in your car the higher the risk of an accident. The average commute length in Wayne City, IL is 27.9 minutes according to City-Data.

Compare Car Insurance Quotes in Wayne City, IL

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

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Average Monthly Car Insurance Rates by State