Compare Winthrop Harbor, IL Car Insurance Rates (2021)

Car insurance in Winthrop Harbor, IL averages $296 a month. Winthrop Harbor, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Winthrop Harbor car insurance rates, compare quotes from the top car insurance companies in Winthrop Harbor, 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

  • Average car insurance rates in Winthrop Harbor, IL are $3,546/year
  • The cheapest car insurance company in Winthrop Harbor for teen drivers is Nationwide
  • Average car insurance rates in Winthrop Harbor, IL after a DUI are $4,165/year

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

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

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

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

How do age, gender, and marital status affect Winthrop Harbor, IL car insurance rates? Every Winthrop Harbor, 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 Winthrop Harbor, 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 $3,774 $3,791 $3,959 $3,959 $9,882 $12,803 $4,535 $4,897
American Family $2,397 $2,397 $2,203 $2,203 $6,943 $9,560 $2,397 $3,102
Farmers $2,729 $2,730 $2,411 $2,563 $12,291 $12,832 $3,113 $3,234
GEICO $1,797 $1,854 $1,761 $1,979 $6,504 $6,751 $2,101 $2,181
Liberty Mutual $1,468 $1,581 $1,213 $1,355 $5,264 $5,854 $1,535 $1,616
Nationwide $1,691 $1,713 $1,514 $1,594 $4,620 $5,891 $1,968 $2,122
Progressive $2,034 $1,900 $1,680 $1,767 $7,772 $8,713 $2,413 $2,611
State Farm $1,630 $1,630 $1,480 $1,480 $5,226 $6,591 $1,849 $2,134
Travelers $1,795 $1,892 $1,678 $1,787 $5,669 $7,254 $1,894 $1,993
USAA $1,635 $1,655 $1,527 $1,499 $5,422 $5,952 $2,156 $2,356

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Minimum Car Insurance in Winthrop Harbor, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Winthrop Harbor, Illinois

Insurance Company Poor Fair Good
Allstate $7,583 $5,470 $4,797
American Family $5,169 $3,536 $2,996
Farmers $5,933 $5,013 $4,768
GEICO $5,014 $2,438 $1,896
Liberty Mutual $3,513 $2,200 $1,744
Nationwide $3,142 $2,546 $2,229
Progressive $4,100 $3,496 $3,238
State Farm $3,998 $2,398 $1,862
Travelers $3,630 $2,963 $2,391
USAA $3,680 $2,544 $2,103

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

Annual Winthrop Harbor, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,203 $7,283 $6,735 $5,578
American Family $2,868 $4,066 $5,415 $3,252
Farmers $4,420 $5,716 $5,574 $5,243
GEICO $2,103 $3,229 $4,663 $2,469
Liberty Mutual $2,060 $2,955 $2,583 $2,347
Nationwide $2,142 $2,749 $3,217 $2,448
Progressive $2,964 $4,446 $3,291 $3,743
State Farm $2,495 $3,010 $2,753 $2,753
Travelers $2,362 $3,124 $3,518 $2,975
USAA $1,969 $2,852 $3,903 $2,378

Cheapest Winthrop Harbor, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Winthrop Harbor, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,882 $12,803
American Family $6,943 $9,560
Farmers $12,291 $12,832
GEICO $6,504 $6,751
Liberty Mutual $5,264 $5,854
Nationwide $4,620 $5,891
Progressive $7,772 $8,713
State Farm $5,226 $6,591
Travelers $5,669 $7,254
USAA $5,422 $5,952

Cheapest Winthrop Harbor, IL Car Insurance for Seniors

Take a look at Winthrop Harbor, 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 Winthrop Harbor, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,959 $3,959
American Family $2,203 $2,203
Farmers $2,411 $2,563
GEICO $1,761 $1,979
Liberty Mutual $1,213 $1,355
Nationwide $1,514 $1,594
Progressive $1,680 $1,767
State Farm $1,480 $1,480
Travelers $1,678 $1,787
USAA $1,527 $1,499

Cheapest Winthrop Harbor, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winthrop Harbor, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,735
American Family $5,415
Farmers $5,574
GEICO $4,663
Liberty Mutual $2,583
Nationwide $3,217
Progressive $3,291
State Farm $2,753
Travelers $3,518
USAA $3,903

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Cheapest Winthrop Harbor, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winthrop Harbor, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,950 $5,950
American Family $3,851 $3,950
Farmers $5,238 $5,238
GEICO $3,063 $3,169
Liberty Mutual $2,486 $2,486
Nationwide $2,639 $2,639
Progressive $3,611 $3,611
State Farm $2,683 $2,822
Travelers $2,876 $3,114
USAA $2,698 $2,853

The Best Cheap Car Insurance Companies in Winthrop Harbor, IL

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

Average Annual Car Insurance Rates by Company in Winthrop Harbor, Illinois

Insurance Company Average Annual Rates
Allstate $5,950
American Family $3,900
Farmers $5,238
GEICO $3,116
Liberty Mutual $2,486
Nationwide $2,639
Progressive $3,611
State Farm $2,753
Travelers $2,995
USAA $2,775

Category Winners: Cheapest Car Insurance in Winthrop Harbor, Illinois

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

Best Annual Car Insurance Rates by Company in Winthrop Harbor, 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 Liberty Mutual

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Cheapest Winthrop Harbor, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Winthrop Harbor, Illinois

Insurance Company Low Medium High
Allstate $5,725 $5,943 $6,182
American Family $3,737 $4,044 $3,920
Farmers $4,947 $5,095 $5,673
GEICO $2,822 $3,110 $3,417
Liberty Mutual $2,344 $2,481 $2,633
Nationwide $2,573 $2,667 $2,677
Progressive $3,250 $3,599 $3,985
State Farm $2,575 $2,757 $2,926
Travelers $2,766 $2,991 $3,228
USAA $2,564 $2,772 $2,990

What affects car insurance rates in Winthrop Harbor, Illinois?

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

Commute Time in Winthrop Harbor

The more time you spend in your car the higher the risk of an accident. The average commute length in Winthrop Harbor, IL is 30.4 minutes according to City-Data.

Compare Car Insurance Quotes in Winthrop Harbor, IL

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

Free Car Insurance Comparison

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Average Monthly Car Insurance Rates by State