Compare Westchester, IL Car Insurance Rates (2021)

Car insurance in Westchester, IL averages $309 a month. Westchester, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Westchester car insurance rates, compare quotes from the top car insurance companies in Westchester, 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 Westchester for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Westchester is Liberty Mutual
  • Average car insurance rates in Westchester, IL are $3,713/year

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

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

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

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

How do age, gender, and marital status affect Westchester, IL car insurance rates? Every Westchester, 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 Westchester, 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 $3,772 $3,788 $3,957 $3,957 $9,964 $12,951 $4,539 $4,908
American Family $2,528 $2,528 $2,317 $2,317 $7,224 $9,990 $2,528 $3,268
Farmers $2,709 $2,705 $2,394 $2,541 $12,137 $12,661 $3,103 $3,235
GEICO $1,864 $1,931 $1,827 $2,063 $7,024 $7,271 $2,222 $2,298
Liberty Mutual $1,453 $1,565 $1,206 $1,347 $4,984 $5,538 $1,517 $1,593
Nationwide $2,462 $2,498 $2,189 $2,313 $6,985 $8,947 $2,890 $3,128
Progressive $2,372 $2,226 $1,964 $2,058 $8,838 $9,904 $2,827 $3,050
State Farm $1,566 $1,566 $1,420 $1,420 $5,040 $6,352 $1,777 $2,058
Travelers $1,724 $1,817 $1,587 $1,690 $5,204 $6,569 $1,827 $1,923
USAA $1,568 $1,588 $1,462 $1,432 $5,143 $5,652 $2,061 $2,253

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Minimum Car Insurance in Westchester, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Westchester, Illinois

Insurance Company Poor Fair Good
Allstate $7,605 $5,511 $4,823
American Family $5,432 $3,700 $3,130
Farmers $5,875 $4,963 $4,719
GEICO $5,335 $2,590 $2,012
Liberty Mutual $3,387 $2,124 $1,689
Nationwide $4,692 $3,786 $3,302
Progressive $4,723 $4,019 $3,722
State Farm $3,852 $2,308 $1,790
Travelers $3,395 $2,755 $2,229
USAA $3,513 $2,422 $2,000

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

Annual Westchester, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,213 $7,298 $6,806 $5,602
American Family $3,006 $4,255 $5,678 $3,410
Farmers $4,370 $5,656 $5,514 $5,202
GEICO $2,212 $3,417 $5,028 $2,593
Liberty Mutual $1,996 $2,845 $2,493 $2,267
Nationwide $3,160 $4,096 $4,818 $3,632
Progressive $3,413 $5,104 $3,786 $4,315
State Farm $2,401 $2,899 $2,650 $2,650
Travelers $2,215 $2,919 $3,253 $2,783
USAA $1,881 $2,715 $3,712 $2,271

Cheapest Westchester, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Westchester, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,964 $12,951
American Family $7,224 $9,990
Farmers $12,137 $12,661
GEICO $7,024 $7,271
Liberty Mutual $4,984 $5,538
Nationwide $6,985 $8,947
Progressive $8,838 $9,904
State Farm $5,040 $6,352
Travelers $5,204 $6,569
USAA $5,143 $5,652

Cheapest Westchester, IL Car Insurance for Seniors

Take a look at Westchester, 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 Westchester, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,957 $3,957
American Family $2,317 $2,317
Farmers $2,394 $2,541
GEICO $1,827 $2,063
Liberty Mutual $1,206 $1,347
Nationwide $2,189 $2,313
Progressive $1,964 $2,058
State Farm $1,420 $1,420
Travelers $1,587 $1,690
USAA $1,462 $1,432

Cheapest Westchester, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Westchester, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,806
American Family $5,678
Farmers $5,514
GEICO $5,028
Liberty Mutual $2,493
Nationwide $4,818
Progressive $3,786
State Farm $2,650
Travelers $3,253
USAA $3,712

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Cheapest Westchester, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Westchester, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,980 $5,980
American Family $4,035 $4,140
Farmers $5,186 $5,186
GEICO $3,257 $3,368
Liberty Mutual $2,400 $2,400
Nationwide $3,927 $3,927
Progressive $4,155 $4,155
State Farm $2,584 $2,716
Travelers $2,682 $2,903
USAA $2,571 $2,719

The Best Cheap Car Insurance Companies in Westchester, IL

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

Average Annual Car Insurance Rates by Company in Westchester, Illinois

Insurance Company Average Annual Rates
Allstate $5,980
American Family $4,087
Farmers $5,186
GEICO $3,312
Liberty Mutual $2,400
Nationwide $3,927
Progressive $4,155
State Farm $2,650
Travelers $2,793
USAA $2,645

Category Winners: Cheapest Car Insurance in Westchester, Illinois

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

Best Annual Car Insurance Rates by Company in Westchester, Illinois

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

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Cheapest Westchester, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Westchester, Illinois

Insurance Company Low Medium High
Allstate $5,799 $5,974 $6,166
American Family $3,939 $4,237 $4,086
Farmers $4,917 $5,054 $5,586
GEICO $3,001 $3,309 $3,627
Liberty Mutual $2,269 $2,396 $2,536
Nationwide $3,874 $3,967 $3,939
Progressive $3,812 $4,135 $4,517
State Farm $2,488 $2,655 $2,807
Travelers $2,616 $2,789 $2,973
USAA $2,458 $2,643 $2,835

What affects car insurance rates in Westchester, Illinois?

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

Commute Time in Westchester

The more time you spend in your car the higher the risk of an accident. The average commute length in Westchester, IL is 30.6 minutes according to City-Data.

Compare Car Insurance Quotes in Westchester, IL

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

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Average Monthly Car Insurance Rates by State