Compare Thornton, IL Car Insurance Rates (2021)

The average annual car insurance rates in Thornton, IL are around $3,885 ($323/mo). The cheapest car insurance company in Thornton, IL is Liberty Mutual followed by Travelers, although rates will vary for each person. Thornton, IL auto insurance must meet the state minimum requirements with coverage levels of 25/50/25 for liability and property damage. Compare Thornton, Illinois car insurance rates online to get the best price for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Sep 8, 2021

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Here’s What you Need to Know

  • The average annual car insurance rates for Thornton, IL are $3,885 ($323/mo)
  • The cheapest car insurance company in Thornton, IL is Liberty Mutual, and the second cheapest is Travelers
  • Thornton rates are affected by the traffic that is shared with Naperville and Evanston as they all bottleneck into Chicago.
  • The average commute time for Thornton is 23 min

Thornton, IL car insurance rates are, on average, about $120 cheaper than Evanston and about $600 more than Naperville.

You can save on Thornton, Illinois car insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Thornton, IL for every age, credit history, and driving record.

Monthly Thornton, IL Car Insurance Rates by ZIP Code

Find more info about the monthly Thornton, Illinois car insurance rates by ZIP Code below:

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Thornton, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Thornton, Illinois against other top US metro areas’ auto insurance rates.

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Ready to find affordable car insurance in Thornton, IL? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Thornton, IL?

The cheapest car insurance company in Thornton, based on average rates, is Liberty Mutual followed by Travelers.

The cheapest Thornton, IL auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Illinois auto insurance company rates?” We cover that as well.

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The best car insurance companies in Thornton, IL, ranked from cheapest rates to most expensive are:

  • Liberty Mutual – $2,719
  • Travelers – $2,880
  • State Farm – $2,964
  • USAA – $3,042
  • Nationwide – $3,304
  • GEICO – $3,400
  • Progressive – $3,795
  • American Family – $4,279
  • Farmers – $5,610
  • Allstate – $6,855

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

If these rates seem steep, all of the top auto insurance companies in the market have a usage-based car insurance program that can help you save big on your auto insurance rates.

Thornton, Illinois auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Thornton, IL auto insurance rates. Find the cheapest Thornton, Illinois auto insurance rates by coverage level below:

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Your credit score will play a major role in your Thornton, IL auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Thornton, Illinois auto insurance rates by credit score below.

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Your driving record will affect your Thornton auto insurance rates. For example, a Thornton, Illinois DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Thornton, Illinois auto insurance rates by driving record.

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Factors affecting auto insurance rates in Thornton, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Thornton, Illinois auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Thornton. Illinois does use gender, so check out the average monthly auto insurance rates by age and gender in Thornton, IL.

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What car insurance coverage is required in Thornton, IL?

All Thornton drivers have to meet the Illinois state law minimum requirements to buy car insurance.

In Illinois, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects car insurance rates in Thornton, IL?

Thornton one of the smaller cities in Illinois, but not necessarily not the cheapest when it comes to car insurance. Let’s take a look at how Thornton car insurance rates compared to cities nearby in Illinois.

  • Dixmoor, IL — $5,087 (most expensive)
  • Evanston, IL — $3,769
  • Thornton, IL — $3,885
  • Naperville, IL — $3,201
  • Kewanee, IL $2,793 (cheapest)

INRIX ranks Chicago as the 3rd-most congested city in the U.S. With traffic coming from Naperville and Evanston, expect longer commute times.

City-Data reports the average commute time for Thornton is 23.7 minutes, but that can vary based on the time of day.

Car theft also affects rates. The FBI’s most recent annual statistics report Thornton having very few car thefts, especially when compared to Chicago.

Thornton, IL Car Insurance: The Bottom Line

Thornton has about the same rates when compared to the state average, but you can still save by shopping around and comparing.

Before you buy auto insurance in Thornton, IL, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Thornton, IL car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Thornton, IL Car Insurance Rates by ZIP Code
Thornton, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Thornton, IL Car Insurance Rates by Company vs. City Average
Thornton, IL Car Insurance Rates by Company and Age
The Cheapest Thornton, IL Car Insurance Rates by Coverage Level
The Cheapest Thornton, IL Car Insurance Rates by Credit Score
The Cheapest Thornton, IL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Thornton, IL
Average Monthly Car Insurance Rates by Age & Gender in Thornton, IL
Monthly Thornton, IL Car Insurance Rates by ZIP Code
Thornton, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Thornton, IL Car Insurance Rates by Company vs. City Average
Thornton, IL Car Insurance Rates by Company and Age
The Cheapest Thornton, IL Car Insurance Rates by Coverage Level
The Cheapest Thornton, IL Car Insurance Rates by Credit Score
The Cheapest Thornton, IL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Thornton, IL
Average Monthly Car Insurance Rates by Age & Gender in Thornton, IL