Compare Wayne, IL Car Insurance Rates (2021)

Car insurance in Wayne, IL averages $270 a month. Wayne, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Wayne car insurance rates, compare quotes from the top car insurance companies in Wayne, 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, IL are $3,240/year
  • The cheapest car insurance company in Wayne for teen drivers is Nationwide
  • The cheapest car insurance company in Wayne is Nationwide

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

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

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

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

How do age, gender, and marital status affect Wayne, IL car insurance rates? Every Wayne, 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, 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 $3,458 $3,473 $3,622 $3,622 $9,070 $11,808 $4,162 $4,501
American Family $2,244 $2,244 $2,062 $2,062 $6,484 $8,932 $2,244 $2,901
Farmers $2,549 $2,546 $2,254 $2,393 $11,396 $11,883 $2,915 $3,034
GEICO $1,779 $1,836 $1,743 $1,967 $6,470 $6,661 $2,040 $2,111
Liberty Mutual $1,378 $1,483 $1,138 $1,270 $4,912 $5,460 $1,442 $1,516
Nationwide $1,324 $1,342 $1,190 $1,251 $3,536 $4,495 $1,533 $1,649
Progressive $1,912 $1,788 $1,582 $1,662 $7,278 $8,142 $2,274 $2,453
State Farm $1,448 $1,448 $1,315 $1,315 $4,662 $5,877 $1,643 $1,900
Travelers $1,632 $1,719 $1,517 $1,613 $5,036 $6,391 $1,724 $1,813
USAA $1,462 $1,475 $1,360 $1,326 $4,789 $5,259 $1,912 $2,081

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Minimum Car Insurance in Wayne, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Wayne, Illinois

Insurance Company Poor Fair Good
Allstate $6,959 $5,032 $4,403
American Family $4,834 $3,306 $2,800
Farmers $5,520 $4,661 $4,433
GEICO $4,948 $2,407 $1,872
Liberty Mutual $3,277 $2,061 $1,637
Nationwide $2,421 $1,970 $1,729
Progressive $3,850 $3,276 $3,034
State Farm $3,562 $2,135 $1,657
Travelers $3,251 $2,651 $2,140
USAA $3,265 $2,251 $1,858

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

Annual Wayne, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,874 $6,656 $6,202 $5,126
American Family $2,679 $3,810 $5,058 $3,038
Farmers $4,107 $5,314 $5,181 $4,884
GEICO $2,056 $3,376 $4,455 $2,416
Liberty Mutual $1,930 $2,761 $2,415 $2,194
Nationwide $1,665 $2,123 $2,475 $1,896
Progressive $2,783 $4,166 $3,086 $3,511
State Farm $2,221 $2,681 $2,451 $2,451
Travelers $2,125 $2,803 $3,127 $2,668
USAA $1,751 $2,524 $3,444 $2,113

Cheapest Wayne, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Wayne, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,070 $11,808
American Family $6,484 $8,932
Farmers $11,396 $11,883
GEICO $6,470 $6,661
Liberty Mutual $4,912 $5,460
Nationwide $3,536 $4,495
Progressive $7,278 $8,142
State Farm $4,662 $5,877
Travelers $5,036 $6,391
USAA $4,789 $5,259

Cheapest Wayne, IL Car Insurance for Seniors

Take a look at Wayne, 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, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,622 $3,622
American Family $2,062 $2,062
Farmers $2,254 $2,393
GEICO $1,743 $1,967
Liberty Mutual $1,138 $1,270
Nationwide $1,190 $1,251
Progressive $1,582 $1,662
State Farm $1,315 $1,315
Travelers $1,517 $1,613
USAA $1,360 $1,326

Cheapest Wayne, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wayne, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,202
American Family $5,058
Farmers $5,181
GEICO $4,455
Liberty Mutual $2,415
Nationwide $2,475
Progressive $3,086
State Farm $2,451
Travelers $3,127
USAA $3,444

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Cheapest Wayne, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Wayne, 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, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,465 $5,465
American Family $3,600 $3,693
Farmers $4,871 $4,871
GEICO $3,025 $3,127
Liberty Mutual $2,325 $2,325
Nationwide $2,040 $2,040
Progressive $3,387 $3,387
State Farm $2,390 $2,513
Travelers $2,575 $2,787
USAA $2,389 $2,527

The Best Cheap Car Insurance Companies in Wayne, IL

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

Average Annual Car Insurance Rates by Company in Wayne, Illinois

Insurance Company Average Annual Rates
Allstate $5,465
American Family $3,646
Farmers $4,871
GEICO $3,076
Liberty Mutual $2,325
Nationwide $2,040
Progressive $3,387
State Farm $2,451
Travelers $2,681
USAA $2,458

Category Winners: Cheapest Car Insurance in Wayne, Illinois

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

Best Annual Car Insurance Rates by Company in Wayne, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Nationwide

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Cheapest Wayne, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Wayne, Illinois

Insurance Company Low Medium High
Allstate $5,304 $5,460 $5,630
American Family $3,490 $3,781 $3,669
Farmers $4,615 $4,747 $5,252
GEICO $2,775 $3,074 $3,378
Liberty Mutual $2,199 $2,321 $2,455
Nationwide $2,011 $2,058 $2,051
Progressive $3,097 $3,369 $3,693
State Farm $2,298 $2,456 $2,600
Travelers $2,501 $2,677 $2,864
USAA $2,293 $2,456 $2,625

What affects car insurance rates in Wayne, Illinois?

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

Commute Time in Wayne

The more time you spend in your car the higher the risk of an accident. The average commute length in Wayne, IL is 23.7 minutes according to City-Data.

Traffic in Wayne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Wayne, IL traffic data from INRIX ranks Wayne as the 864th-most congested in the world.

Compare Car Insurance Quotes in Wayne, IL

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

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Average Monthly Car Insurance Rates by State