Compare West Point, IL Car Insurance Rates (2021)

Car insurance in West Point, IL averages $252 a month. West Point, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap West Point car insurance rates, compare quotes from the top car insurance companies in West Point, 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

  • The cheapest car insurance company in West Point for teen drivers is State Farm
  • Average car insurance rates in West Point, IL are $3,029/year
  • Average car insurance rates in West Point, IL after a DUI are $3,543/year

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

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

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

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

How do age, gender, and marital status affect West Point, IL car insurance rates? Every West Point, 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 Point, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,501 $2,501 $2,278 $2,278 $6,853 $9,591 $2,501 $3,218
Farmers $2,341 $2,345 $2,087 $2,196 $9,413 $9,802 $2,662 $2,797
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,390 $1,503 $1,154 $1,291 $4,362 $4,857 $1,458 $1,547
Nationwide $1,706 $1,740 $1,517 $1,611 $4,593 $5,910 $1,976 $2,143
Progressive $2,030 $1,966 $1,672 $1,730 $6,424 $7,250 $2,436 $2,628
State Farm $1,335 $1,335 $1,170 $1,170 $3,492 $4,462 $1,501 $1,705
Travelers $1,461 $1,543 $1,310 $1,399 $3,952 $4,899 $1,553 $1,637
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

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Minimum Car Insurance in West Point, IL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $5,302 $3,577 $3,016
Farmers $4,800 $4,004 $3,812
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,110 $1,933 $1,543
Nationwide $3,164 $2,550 $2,235
Progressive $3,752 $3,153 $2,897
State Farm $2,939 $1,760 $1,365
Travelers $2,723 $2,165 $1,769
USAA $3,661 $2,516 $2,074

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

Annual West Point, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,914 $4,133 $5,504 $3,309
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,837 $2,583 $2,283 $2,079
Nationwide $2,134 $2,763 $3,250 $2,452
Progressive $2,716 $3,925 $2,994 $3,434
State Farm $1,870 $2,173 $2,021 $2,021
Travelers $1,774 $2,308 $2,573 $2,220
USAA $1,960 $2,818 $3,858 $2,364

Cheapest West Point, IL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,853 $9,591
Farmers $9,413 $9,802
GEICO $4,847 $5,129
Liberty Mutual $4,362 $4,857
Nationwide $4,593 $5,910
Progressive $6,424 $7,250
State Farm $3,492 $4,462
Travelers $3,952 $4,899
USAA $5,289 $5,831

Cheapest West Point, IL Car Insurance for Seniors

Take a look at West Point, 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 Point, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,278 $2,278
Farmers $2,087 $2,196
GEICO $1,521 $1,797
Liberty Mutual $1,154 $1,291
Nationwide $1,517 $1,611
Progressive $1,672 $1,730
State Farm $1,170 $1,170
Travelers $1,310 $1,399
USAA $1,527 $1,507

Cheapest West Point, IL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,008
American Family $5,504
Farmers $4,452
GEICO $3,482
Liberty Mutual $2,283
Nationwide $3,250
Progressive $2,994
State Farm $2,021
Travelers $2,573
USAA $3,858

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Cheapest West Point, IL Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,913 $4,017
Farmers $4,205 $4,205
GEICO $2,519 $2,617
Liberty Mutual $2,195 $2,195
Nationwide $2,650 $2,650
Progressive $3,267 $3,267
State Farm $1,971 $2,072
Travelers $2,133 $2,305
USAA $2,673 $2,827

The Best Cheap Car Insurance Companies in West Point, IL

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

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

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,965
Farmers $4,205
GEICO $2,568
Liberty Mutual $2,195
Nationwide $2,650
Progressive $3,267
State Farm $2,021
Travelers $2,219
USAA $2,750

Category Winners: Cheapest Car Insurance in West Point, Illinois

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

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

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

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Cheapest West Point, IL Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,867 $4,109 $3,919
Farmers $4,025 $4,120 $4,470
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,080 $2,191 $2,315
Nationwide $2,654 $2,667 $2,629
Progressive $3,071 $3,259 $3,471
State Farm $1,930 $2,024 $2,111
Travelers $2,091 $2,216 $2,350
USAA $2,561 $2,747 $2,942

What affects car insurance rates in West Point, Illinois?

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

Commute Time in West Point

The more time you spend in your car the higher the risk of an accident. The average commute length in West Point, IL is 26.7 minutes according to City-Data.

Compare Car Insurance Quotes in West Point, IL

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

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Average Monthly Car Insurance Rates by State