Compare West Chicago, IL Car Insurance Rates (2021)

Car insurance in West Chicago, IL averages $275 a month. West Chicago, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap West Chicago car insurance rates, compare quotes from the top car insurance companies in West Chicago, 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 West Chicago, IL after a DUI are $3,846/year
  • The cheapest car insurance company in West Chicago is Liberty Mutual
  • The cheapest car insurance company in West Chicago for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect West Chicago, IL car insurance rates? Every West Chicago, 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 West Chicago, 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 $3,139 $3,152 $3,293 $3,293 $8,277 $10,754 $3,776 $4,082
American Family $2,314 $2,314 $2,127 $2,127 $6,705 $9,232 $2,314 $2,992
Farmers $2,573 $2,571 $2,273 $2,415 $11,634 $12,143 $2,940 $3,055
GEICO $1,779 $1,836 $1,743 $1,967 $6,470 $6,661 $2,040 $2,111
Liberty Mutual $1,384 $1,491 $1,141 $1,279 $4,966 $5,533 $1,445 $1,517
Nationwide $1,515 $1,534 $1,359 $1,429 $4,126 $5,249 $1,762 $1,897
Progressive $2,169 $2,026 $1,797 $1,885 $8,287 $9,282 $2,580 $2,786
State Farm $1,551 $1,551 $1,408 $1,408 $5,003 $6,308 $1,760 $2,035
Travelers $1,562 $1,645 $1,450 $1,542 $4,768 $6,048 $1,649 $1,735
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 West Chicago, IL

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

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

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

Annual Car Insurance Rates by Credit Score in West Chicago, Illinois

Insurance Company Poor Fair Good
Allstate $6,323 $4,579 $4,009
American Family $4,991 $3,414 $2,892
Farmers $5,603 $4,741 $4,508
GEICO $4,948 $2,407 $1,872
Liberty Mutual $3,303 $2,079 $1,652
Nationwide $2,803 $2,278 $1,996
Progressive $4,369 $3,729 $3,456
State Farm $3,820 $2,289 $1,776
Travelers $3,095 $2,519 $2,036
USAA $3,265 $2,251 $1,858

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

Annual West Chicago, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,503 $6,070 $5,652 $4,657
American Family $2,768 $3,930 $5,226 $3,138
Farmers $4,175 $5,403 $5,268 $4,956
GEICO $2,056 $3,376 $4,455 $2,416
Liberty Mutual $1,948 $2,786 $2,433 $2,211
Nationwide $1,919 $2,456 $2,869 $2,190
Progressive $3,161 $4,744 $3,509 $3,991
State Farm $2,381 $2,876 $2,628 $2,628
Travelers $2,023 $2,665 $2,974 $2,538
USAA $1,751 $2,524 $3,444 $2,113

Cheapest West Chicago, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in West Chicago, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,277 $10,754
American Family $6,705 $9,232
Farmers $11,634 $12,143
GEICO $6,470 $6,661
Liberty Mutual $4,966 $5,533
Nationwide $4,126 $5,249
Progressive $8,287 $9,282
State Farm $5,003 $6,308
Travelers $4,768 $6,048
USAA $4,789 $5,259

Cheapest West Chicago, IL Car Insurance for Seniors

Take a look at West Chicago, 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 West Chicago, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,293 $3,293
American Family $2,127 $2,127
Farmers $2,273 $2,415
GEICO $1,743 $1,967
Liberty Mutual $1,141 $1,279
Nationwide $1,359 $1,429
Progressive $1,797 $1,885
State Farm $1,408 $1,408
Travelers $1,450 $1,542
USAA $1,360 $1,326

Cheapest West Chicago, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in West Chicago, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,652
American Family $5,226
Farmers $5,268
GEICO $4,455
Liberty Mutual $2,433
Nationwide $2,869
Progressive $3,509
State Farm $2,628
Travelers $2,974
USAA $3,444

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Cheapest West Chicago, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in West Chicago, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,971 $4,971
American Family $3,718 $3,813
Farmers $4,951 $4,951
GEICO $3,025 $3,127
Liberty Mutual $2,345 $2,345
Nationwide $2,359 $2,359
Progressive $3,851 $3,851
State Farm $2,562 $2,694
Travelers $2,450 $2,650
USAA $2,389 $2,527

The Best Cheap Car Insurance Companies in West Chicago, IL

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

Average Annual Car Insurance Rates by Company in West Chicago, Illinois

Insurance Company Average Annual Rates
Allstate $4,971
American Family $3,766
Farmers $4,951
GEICO $3,076
Liberty Mutual $2,345
Nationwide $2,359
Progressive $3,851
State Farm $2,628
Travelers $2,550
USAA $2,458

Category Winners: Cheapest Car Insurance in West Chicago, Illinois

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

Best Annual Car Insurance Rates by Company in West Chicago, Illinois

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

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Cheapest West Chicago, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in West Chicago, Illinois

Insurance Company Low Medium High
Allstate $4,813 $4,966 $5,133
American Family $3,600 $3,904 $3,793
Farmers $4,682 $4,819 $5,351
GEICO $2,775 $3,074 $3,378
Liberty Mutual $2,200 $2,340 $2,494
Nationwide $2,321 $2,383 $2,374
Progressive $3,500 $3,837 $4,217
State Farm $2,464 $2,634 $2,786
Travelers $2,379 $2,547 $2,724
USAA $2,293 $2,456 $2,625

What affects car insurance rates in West Chicago, Illinois?

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

Commute Time in West Chicago

The more time you spend in your car the higher the risk of an accident. The average commute length in West Chicago, IL is 24.2 minutes according to City-Data.

Compare Car Insurance Quotes in West Chicago, IL

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

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Average Monthly Car Insurance Rates by State