Compare West Salem, IL Car Insurance Rates (2021)

Car insurance in West Salem, IL averages $250 a month. West Salem, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap West Salem car insurance rates, compare quotes from the top car insurance companies in West Salem, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in West Salem is Travelers
  • The cheapest car insurance company in West Salem for teen drivers is Travelers
  • Average car insurance rates in West Salem, IL after a DUI are $3,507/year

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

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

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

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

How do age, gender, and marital status affect West Salem, IL car insurance rates? Every West Salem, 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 Salem, 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 $3,031 $3,046 $3,153 $3,153 $7,734 $10,062 $3,641 $3,934
American Family $2,351 $2,351 $2,146 $2,146 $6,511 $9,083 $2,351 $3,027
Farmers $2,331 $2,336 $2,077 $2,185 $9,387 $9,782 $2,652 $2,789
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,361 $1,472 $1,135 $1,268 $4,179 $4,648 $1,425 $1,510
Nationwide $1,726 $1,759 $1,535 $1,629 $4,666 $5,999 $2,001 $2,170
Progressive $1,928 $1,841 $1,587 $1,661 $6,450 $7,247 $2,293 $2,457
State Farm $1,417 $1,417 $1,239 $1,239 $3,678 $4,697 $1,593 $1,811
Travelers $1,381 $1,458 $1,237 $1,319 $3,692 $4,552 $1,468 $1,547
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 West Salem, IL

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,999 $3,383 $2,856
Farmers $4,783 $3,993 $3,802
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,009 $1,870 $1,495
Nationwide $3,206 $2,585 $2,266
Progressive $3,656 $3,071 $2,822
State Farm $3,107 $1,860 $1,442
Travelers $2,555 $2,030 $1,661
USAA $3,823 $2,623 $2,160

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

Annual West Salem, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,422 $5,702 $5,309 $4,444
American Family $2,752 $3,912 $5,196 $3,124
Farmers $3,550 $4,550 $4,437 $4,231
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,780 $2,497 $2,209 $2,013
Nationwide $2,163 $2,801 $3,294 $2,485
Progressive $2,636 $3,849 $2,915 $3,331
State Farm $1,978 $2,295 $2,137 $2,137
Travelers $1,669 $2,167 $2,405 $2,086
USAA $2,043 $2,938 $4,028 $2,465

Cheapest West Salem, IL Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,511 $9,083
Farmers $9,387 $9,782
GEICO $4,375 $4,641
Liberty Mutual $4,179 $4,648
Nationwide $4,666 $5,999
Progressive $6,450 $7,247
State Farm $3,678 $4,697
Travelers $3,692 $4,552
USAA $5,528 $6,101

Cheapest West Salem, IL Car Insurance for Seniors

Take a look at West Salem, 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 Salem, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $2,146 $2,146
Farmers $2,077 $2,185
GEICO $1,364 $1,612
Liberty Mutual $1,135 $1,268
Nationwide $1,535 $1,629
Progressive $1,587 $1,661
State Farm $1,239 $1,239
Travelers $1,237 $1,319
USAA $1,586 $1,562

Cheapest West Salem, IL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $5,196
Farmers $4,437
GEICO $3,141
Liberty Mutual $2,209
Nationwide $3,294
Progressive $2,915
State Farm $2,137
Travelers $2,405
USAA $4,028

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Cheapest West Salem, IL Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,697 $3,794
Farmers $4,192 $4,192
GEICO $2,263 $2,351
Liberty Mutual $2,125 $2,125
Nationwide $2,686 $2,686
Progressive $3,183 $3,183
State Farm $2,084 $2,190
Travelers $2,002 $2,162
USAA $2,788 $2,949

The Best Cheap Car Insurance Companies in West Salem, IL

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

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

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,746
Farmers $4,192
GEICO $2,307
Liberty Mutual $2,125
Nationwide $2,686
Progressive $3,183
State Farm $2,137
Travelers $2,082
USAA $2,868

Category Winners: Cheapest Car Insurance in West Salem, Illinois

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

Best Annual Car Insurance Rates by Company in West Salem, 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 Liberty Mutual

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Cheapest West Salem, IL Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,633 $3,882 $3,723
Farmers $4,015 $4,108 $4,455
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,014 $2,120 $2,240
Nationwide $2,684 $2,705 $2,669
Progressive $2,922 $3,162 $3,465
State Farm $2,046 $2,139 $2,225
Travelers $1,972 $2,080 $2,194
USAA $2,681 $2,866 $3,058

What affects car insurance rates in West Salem, Illinois?

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

Commute Time in West Salem

The more time you spend in your car the higher the risk of an accident. The average commute length in West Salem, IL is 26.8 minutes according to City-Data.

Compare Car Insurance Quotes in West Salem, IL

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

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Average Monthly Car Insurance Rates by State