Compare Wheaton, IL Car Insurance Rates (2021)

Car insurance in Wheaton, IL averages $267 a month. Wheaton, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Wheaton car insurance rates, compare quotes from the top car insurance companies in Wheaton, 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 Wheaton for teen drivers is Nationwide
  • Average car insurance rates in Wheaton, IL are $3,207/year
  • The cheapest car insurance company in Wheaton is Liberty Mutual

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

You’ll find Wheaton car insurance rates, the cheapest Wheaton, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Wheaton, Illinois car insurance rates to Aurora car insurance rates, Cicero car insurance rates, and Joliet car insurance rates.

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

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

How do age, gender, and marital status affect Wheaton, IL car insurance rates? Every Wheaton, 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 Wheaton, 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 $3,138 $3,152 $3,293 $3,293 $8,277 $10,753 $3,776 $4,082
American Family $2,312 $2,312 $2,123 $2,123 $6,664 $9,188 $2,312 $2,989
Farmers $2,384 $2,382 $2,106 $2,237 $10,734 $11,203 $2,728 $2,840
GEICO $1,779 $1,836 $1,743 $1,967 $6,470 $6,661 $2,040 $2,111
Liberty Mutual $1,374 $1,478 $1,136 $1,268 $4,895 $5,440 $1,435 $1,508
Nationwide $1,515 $1,534 $1,359 $1,429 $4,126 $5,249 $1,762 $1,897
Progressive $1,928 $1,801 $1,602 $1,677 $7,305 $8,170 $2,290 $2,458
State Farm $1,522 $1,522 $1,381 $1,381 $4,924 $6,212 $1,728 $1,997
Travelers $1,535 $1,615 $1,424 $1,514 $4,687 $5,930 $1,621 $1,704
USAA $1,499 $1,513 $1,397 $1,363 $4,934 $5,417 $1,965 $2,139

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Minimum Car Insurance in Wheaton, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Wheaton, Illinois

Insurance Company Poor Fair Good
Allstate $6,323 $4,579 $4,009
American Family $4,977 $3,400 $2,880
Farmers $5,182 $4,382 $4,167
GEICO $4,948 $2,407 $1,872
Liberty Mutual $3,266 $2,053 $1,631
Nationwide $2,803 $2,278 $1,996
Progressive $3,866 $3,294 $3,051
State Farm $3,759 $2,248 $1,742
Travelers $3,036 $2,475 $1,999
USAA $3,356 $2,316 $1,913

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

Annual Wheaton, 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 $2,758 $3,917 $5,208 $3,127
Farmers $3,859 $4,993 $4,869 $4,587
GEICO $2,056 $3,376 $4,455 $2,416
Liberty Mutual $1,923 $2,752 $2,406 $2,187
Nationwide $1,919 $2,456 $2,869 $2,190
Progressive $2,798 $4,186 $3,105 $3,526
State Farm $2,339 $2,827 $2,583 $2,583
Travelers $1,989 $2,620 $2,912 $2,493
USAA $1,798 $2,597 $3,546 $2,171

Cheapest Wheaton, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Wheaton, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,277 $10,753
American Family $6,664 $9,188
Farmers $10,734 $11,203
GEICO $6,470 $6,661
Liberty Mutual $4,895 $5,440
Nationwide $4,126 $5,249
Progressive $7,305 $8,170
State Farm $4,924 $6,212
Travelers $4,687 $5,930
USAA $4,934 $5,417

Cheapest Wheaton, IL Car Insurance for Seniors

Take a look at Wheaton, 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 Wheaton, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,293 $3,293
American Family $2,123 $2,123
Farmers $2,106 $2,237
GEICO $1,743 $1,967
Liberty Mutual $1,136 $1,268
Nationwide $1,359 $1,429
Progressive $1,602 $1,677
State Farm $1,381 $1,381
Travelers $1,424 $1,514
USAA $1,397 $1,363

Cheapest Wheaton, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wheaton, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,652
American Family $5,208
Farmers $4,869
GEICO $4,455
Liberty Mutual $2,406
Nationwide $2,869
Progressive $3,105
State Farm $2,583
Travelers $2,912
USAA $3,546

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Cheapest Wheaton, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wheaton, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,970 $4,970
American Family $3,705 $3,800
Farmers $4,577 $4,577
GEICO $3,025 $3,127
Liberty Mutual $2,317 $2,317
Nationwide $2,359 $2,359
Progressive $3,404 $3,404
State Farm $2,518 $2,648
Travelers $2,405 $2,602
USAA $2,458 $2,599

Cheapest Wheaton, IL Car Insurance Rates by ZIP Code

Wheaton car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Wheaton, IL.

Annual Car Insurance Rates by ZIP Code in Wheaton, Illinois

ZIP Code Average Annual Rates
60187 $3,164
60189 $3,165

The Best Cheap Car Insurance Companies in Wheaton, IL

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

Average Annual Car Insurance Rates by Company in Wheaton, Illinois

Insurance Company Average Annual Rates
Allstate $4,970
American Family $3,753
Farmers $4,577
GEICO $3,076
Liberty Mutual $2,317
Nationwide $2,359
Progressive $3,404
State Farm $2,583
Travelers $2,504
USAA $2,528

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Category Winners: Cheapest Car Insurance in Wheaton, Illinois

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

Best Annual Car Insurance Rates by Company in Wheaton, 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

Cheapest Wheaton, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Wheaton, Illinois

Insurance Company Low Medium High
Allstate $4,813 $4,966 $5,133
American Family $3,599 $3,891 $3,768
Farmers $4,334 $4,457 $4,939
GEICO $2,775 $3,074 $3,378
Liberty Mutual $2,188 $2,313 $2,449
Nationwide $2,321 $2,383 $2,374
Progressive $3,093 $3,388 $3,731
State Farm $2,423 $2,590 $2,736
Travelers $2,346 $2,500 $2,664
USAA $2,352 $2,526 $2,707

What affects car insurance rates in Wheaton, Illinois?

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

Commute Time in Wheaton

The more time you spend in your car the higher the risk of an accident. The average commute length in Wheaton, IL is 28.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Wheaton, IL

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

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Average Monthly Car Insurance Rates by State