Compare Worth, IL Car Insurance Rates (2021)

On average, Liberty Mutual has the cheapest Worth, IL car insurance, but rates vary by driver. Auto insurance in Worth must meet the state's minimum liability coverage standards of 25/50/20 and uninsured/underinsured motorist coverage of 25/50. Compare Worth, IL auto insurance rates online to find the best deal 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 9, 2021

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Here's what you need to know...

  • Liberty Mutual offers the lowest Worth, IL car insurance rates, on average
  • Because it is so close to Chicago, Worth sees increased traffic
  • Worth, IL car insurance rates are nearly as high as rates in Chicago

Worth, IL car insurance costs almost as much as rates in Chicago. However, the Illinois car insurance rates, in general, are lower than the national average.

The good news is that you can still find affordable Worth, IL car insurance if you know where to look. Shop around to compare rates from multiple companies to find cheap car insurance in Worth.

Monthly Worth, IL Car Insurance Rates by ZIP Code

Find more info about the monthly Worth, IL car insurance rates by ZIP Code below:

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Worth, 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 Worth, Illinois against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Worth, IL car insurance rates today.

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

The cheapest auto insurance company in Worth is Liberty Mutual. It’s important to note though that rates will be different for each driver.

The cheapest Worth, 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 top Worth, IL car insurance companies listed from least to most expensive are:

  • Liberty Mutual – $2,536.33
  • Travelers – $2,867.08
  • USAA – $3,139.82
  • State Farm – $3,151.14
  • GEICO – $3,379.56
  • Nationwide – $3,455.43
  • Progressive – $4,244.04
  • American Family – $4,436.29
  • Farmers – $5,830.48
  • Allstate – $6,688.87

Many different factors affect your car insurance rates. Your age, driving record, and credit history can all play a part in how much you pay.

Your ZIP code can also raise your rates. If you live in a large city with higher crime and traffic rates, you will pay more for your auto insurance. For example, Chicago car insurance rates are higher than rates in Worth, even though they are part of the same area.

Worth, 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 Worth, IL auto insurance rates. Find the cheapest Worth, Illinois auto insurance rates by coverage level below:

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Your credit score will play a major role in your Worth, 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 Worth, Illinois auto insurance rates by credit score below.

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

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Factors affecting auto insurance rates in Worth, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Worth, 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 Worth. Illinois does use gender, so check out the average monthly auto insurance rates by age and gender in Worth, IL.

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What car insurance coverage is required in Worth, IL?

Most states, including Illinois, required drivers to carry at least a minimum amount of car insurance.

Worth drivers must carry:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

This required coverage will be exhausted quickly in the event of a serious accident. Drivers should consider increasing these limits to avoid paying out of pocket for damages and injuries.

Consider adding additional coverages as well. Collision insurance covers damages to your vehicle if you cause an accident.

Comprehensive covers damages to your car that aren’t from an accident. For example, damages from Worth, IL weather, such as snow, hail, or falling tree limbs, would be covered by comprehensive insurance.

Increasing your limits and adding coverages will help you avoid costly out-of-pocket expenses down the road.

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What affects car insurance rates in Worth, IL?

You might be surprised to learn that traffic can increase your auto insurance rates. High traffic volume means you are more likely to be in an accident.

As part of the greater Chicago area, Worth sees an increase in traffic. INRIX doesn’t have data for Worth, but it does rank Chicago, IL as the third most congested city in the U.S. and the seventh most congested city in the world.

In fact, City-Data reports that most Worth drivers commute around 30 minutes, and a large number commute an hour or more.

Car theft can also increase your insurance rates. According to the FBI, there were just 17 motor vehicle thefts in Worth, IL over the course of a year, compared to 11,578 in nearby Chicago.

Worth, IL Car Insurance: The Bottom Line

Auto insurance in the city is pretty expensive, so shop around before you buy Worth, IL car insurance. Each company will offer you different rates making comparison shopping is a must.

Enter your ZIP code now to compare free Worth, IL car insurance quotes today.

Free Car Insurance Comparison

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

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