Compare Wood River, IL Car Insurance Rates (2021)

Car insurance in Wood River, IL averages $314 a month. Wood River, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Wood River car insurance rates, compare quotes from the top car insurance companies in Wood River, 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

  • Average car insurance rates in Wood River, IL are $3,770/year
  • The cheapest car insurance company in Wood River for teen drivers is State Farm
  • Average car insurance rates in Wood River, IL after a DUI are $4,403/year

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

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

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

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

How do age, gender, and marital status affect Wood River, IL car insurance rates? Every Wood River, 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 Wood River, 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 $3,709 $3,728 $3,886 $3,886 $9,661 $12,444 $4,452 $4,801
American Family $2,655 $2,655 $2,433 $2,433 $7,575 $10,487 $2,655 $3,430
Farmers $2,695 $2,707 $2,380 $2,528 $12,084 $12,651 $3,062 $3,183
GEICO $1,856 $1,894 $1,798 $2,194 $5,866 $6,121 $2,339 $2,224
Liberty Mutual $1,597 $1,726 $1,347 $1,507 $5,224 $5,796 $1,648 $1,718
Nationwide $3,038 $3,090 $2,689 $2,854 $8,630 $11,109 $3,566 $3,873
Progressive $2,360 $2,215 $1,947 $2,052 $8,645 $9,702 $2,794 $3,003
State Farm $1,397 $1,397 $1,260 $1,260 $4,351 $5,502 $1,582 $1,818
Travelers $1,650 $1,741 $1,518 $1,618 $4,912 $6,217 $1,747 $1,840
USAA $1,729 $1,765 $1,607 $1,590 $5,546 $6,126 $2,281 $2,517

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Minimum Car Insurance in Wood River, IL

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

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

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

Annual Car Insurance Rates by Credit Score in Wood River, Illinois

Insurance Company Poor Fair Good
Allstate $7,441 $5,339 $4,683
American Family $5,705 $3,883 $3,283
Farmers $5,849 $4,937 $4,698
GEICO $4,885 $2,376 $1,848
Liberty Mutual $3,643 $2,268 $1,801
Nationwide $5,817 $4,675 $4,076
Progressive $4,662 $3,955 $3,653
State Farm $3,372 $2,021 $1,569
Travelers $3,234 $2,613 $2,119
USAA $3,860 $2,646 $2,179

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

Annual Wood River, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,123 $7,138 $6,565 $5,459
American Family $3,157 $4,460 $5,963 $3,581
Farmers $4,364 $5,630 $5,491 $5,159
GEICO $2,188 $3,088 $4,134 $2,736
Liberty Mutual $2,136 $3,045 $2,669 $2,431
Nationwide $3,886 $5,070 $5,985 $4,483
Progressive $3,362 $5,011 $3,734 $4,253
State Farm $2,112 $2,530 $2,321 $2,321
Travelers $2,105 $2,767 $3,104 $2,645
USAA $2,065 $2,963 $4,063 $2,490

Cheapest Wood River, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Wood River, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,661 $12,444
American Family $7,575 $10,487
Farmers $12,084 $12,651
GEICO $5,866 $6,121
Liberty Mutual $5,224 $5,796
Nationwide $8,630 $11,109
Progressive $8,645 $9,702
State Farm $4,351 $5,502
Travelers $4,912 $6,217
USAA $5,546 $6,126

Cheapest Wood River, IL Car Insurance for Seniors

Take a look at Wood River, 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 Wood River, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,886 $3,886
American Family $2,433 $2,433
Farmers $2,380 $2,528
GEICO $1,798 $2,194
Liberty Mutual $1,347 $1,507
Nationwide $2,689 $2,854
Progressive $1,947 $2,052
State Farm $1,260 $1,260
Travelers $1,518 $1,618
USAA $1,607 $1,590

Cheapest Wood River, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wood River, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,565
American Family $5,963
Farmers $5,491
GEICO $4,134
Liberty Mutual $2,669
Nationwide $5,985
Progressive $3,734
State Farm $2,321
Travelers $3,104
USAA $4,063

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Cheapest Wood River, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wood River, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,821 $5,821
American Family $4,235 $4,345
Farmers $5,161 $5,161
GEICO $2,980 $3,093
Liberty Mutual $2,570 $2,570
Nationwide $4,856 $4,856
Progressive $4,090 $4,090
State Farm $2,263 $2,379
Travelers $2,550 $2,760
USAA $2,814 $2,977

The Best Cheap Car Insurance Companies in Wood River, IL

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

Average Annual Car Insurance Rates by Company in Wood River, Illinois

Insurance Company Average Annual Rates
Allstate $5,821
American Family $4,290
Farmers $5,161
GEICO $3,036
Liberty Mutual $2,570
Nationwide $4,856
Progressive $4,090
State Farm $2,321
Travelers $2,655
USAA $2,895

Category Winners: Cheapest Car Insurance in Wood River, Illinois

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

Best Annual Car Insurance Rates by Company in Wood River, Illinois

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

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Cheapest Wood River, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Wood River, Illinois

Insurance Company Low Medium High
Allstate $5,570 $5,814 $6,080
American Family $4,126 $4,448 $4,298
Farmers $4,858 $5,008 $5,617
GEICO $2,744 $3,020 $3,345
Liberty Mutual $2,398 $2,562 $2,751
Nationwide $4,802 $4,904 $4,862
Progressive $3,660 $4,066 $4,544
State Farm $2,176 $2,324 $2,462
Travelers $2,470 $2,652 $2,844
USAA $2,704 $2,892 $3,089

What affects car insurance rates in Wood River, Illinois?

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

Commute Time in Wood River

The more time you spend in your car the higher the risk of an accident. The average commute length in Wood River, IL is 23.8 minutes according to City-Data.

Compare Car Insurance Quotes in Wood River, IL

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

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Average Monthly Car Insurance Rates by State