Cheap Quotes for De Soto, IL Car Insurance (2021)

De Soto, Illinois car insurance rates average $282 a month and Illinois law requires coverage of at least 25/50/20. By comparing rates from multiple De Soto, IL companies, you can find cheap De Soto car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in De Soto is Liberty Mutual
  • De Soto has an average commute time of 21.5 minutes
  • Average car insurance rates in De Soto, IL are $282/month

How do the De Soto, Illinois monthly average car insurance rates of $282/month compare to nearby cities like Joliet car insurance rates, Chicago car insurance rates, and Cicero car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in De Soto, IL.

We’ll cover the Illinois minimum coverage requirements, Illinois car insurance laws, and De Soto, IL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple De Soto, Illinois companies to find the most affordable De Soto car insurance rates.

Enter your ZIP code above to find cheap De Soto, IL car insurance quotes today.

What are the minimum De Soto, IL car insurance requirements?

To meet Illinois minimum car insurance coverage requirements, De Soto, IL drivers need to carry at least 25/50/20 coverage.

Minimum Required Car Insurance Coverage in De Soto, 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

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How do age, gender, and marital status affect De Soto, IL car insurance rates?

Three of the criteria that most affect car insurance rates in De Soto, Illinois are age, gender, and marital status. Let’s take a look at how each of these stack up with top De Soto car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in De Soto, 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 $3,073 $3,089 $3,204 $3,204 $7,885 $10,220 $3,690 $3,984
American Family $2,351 $2,351 $2,146 $2,146 $6,511 $9,083 $2,351 $3,027
Farmers $2,454 $2,461 $2,177 $2,298 $10,435 $10,903 $2,795 $2,925
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,372 $1,482 $1,140 $1,277 $4,420 $4,924 $1,434 $1,514
Nationwide $2,685 $2,737 $2,373 $2,527 $7,506 $9,697 $3,139 $3,416
Progressive $2,226 $2,127 $1,833 $1,921 $7,378 $8,297 $2,645 $2,828
State Farm $1,553 $1,553 $1,392 $1,392 $4,468 $5,680 $1,756 $2,008
Travelers $1,603 $1,695 $1,448 $1,547 $4,477 $5,605 $1,703 $1,796
USAA $1,613 $1,636 $1,503 $1,476 $5,271 $5,796 $2,122 $2,324

How much do teen drivers pay for car insurance in De Soto, IL?

De Soto, Illinois car insurance rates for teens are often higher than rates for other drivers. Compare De Soto car insurance rates from multiple De Soto, Illinois car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in De Soto, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,885 $10,220
American Family $6,511 $9,083
Farmers $10,435 $10,903
GEICO $5,690 $6,014
Liberty Mutual $4,420 $4,924
Nationwide $7,506 $9,697
Progressive $7,378 $8,297
State Farm $4,468 $5,680
Travelers $4,477 $5,605
USAA $5,271 $5,796

How much do senior drivers pay for car insurance in De Soto, IL?

With a little research, seniors can find affordable car insurance in De Soto, Illinois. Here’s a look at how the top De Soto car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in De Soto, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,204 $3,204
American Family $2,146 $2,146
Farmers $2,177 $2,298
GEICO $1,757 $2,095
Liberty Mutual $1,140 $1,277
Nationwide $2,373 $2,527
Progressive $1,833 $1,921
State Farm $1,392 $1,392
Travelers $1,448 $1,547
USAA $1,503 $1,476

How does coverage level affect De Soto, IL car insurance rates?

How much coverage do you need? Are you comfortable with the Illinois minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your De Soto, IL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in De Soto, Illinois

Insurance Company Low Medium High
Allstate $4,632 $4,788 $4,959
American Family $3,633 $3,882 $3,723
Farmers $4,333 $4,446 $4,889
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,067 $2,190 $2,329
Nationwide $4,242 $4,299 $4,240
Progressive $3,334 $3,631 $4,006
State Farm $2,323 $2,478 $2,626
Travelers $2,322 $2,481 $2,650
USAA $2,525 $2,715 $2,913

How does your driving record affect De Soto, IL car insurance rates?

Safe driving pays off. The more traffic violations you have in De Soto, IL, the higher your car insurance rates will be. Compare rates based on driving infractions from top De Soto, Illinois companies.

Annual De Soto, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,452 $5,819 $5,395 $4,508
American Family $2,752 $3,912 $5,196 $3,124
Farmers $3,854 $4,957 $4,834 $4,578
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,835 $2,589 $2,281 $2,076
Nationwide $3,401 $4,449 $5,260 $3,930
Progressive $3,027 $4,421 $3,351 $3,829
State Farm $2,261 $2,690 $2,475 $2,475
Travelers $1,977 $2,583 $2,896 $2,480
USAA $1,933 $2,789 $3,816 $2,334

How does a DUI affect De Soto, IL car insurance rates?

With even one DUI on your record, you can see an increase in your De Soto, IL car insurance rates.

Annual Car Insurance Rates After a DUI in De Soto, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,395
American Family $5,196
Farmers $4,834
GEICO $4,060
Liberty Mutual $2,281
Nationwide $5,260
Progressive $3,351
State Farm $2,475
Travelers $2,896
USAA $3,816

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How does your credit history affect De Soto, IL car insurance rates?

Take a look at the data here to see how your De Soto, Illinois car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in De Soto, Illinois

Insurance Company Poor Fair Good
Allstate $6,127 $4,402 $3,851
American Family $4,999 $3,383 $2,856
Farmers $5,177 $4,350 $4,141
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,105 $1,936 $1,545
Nationwide $5,102 $4,097 $3,581
Progressive $4,200 $3,528 $3,242
State Farm $3,597 $2,156 $1,673
Travelers $3,043 $2,429 $1,981
USAA $3,611 $2,488 $2,054

How does your commute affect De Soto, IL car insurance rates?

De Soto, IL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Illinois can be seen here. Remember, though, that you may have to carry substantially more car insurance in De Soto if you’re financing.

Annual Car Insurance Rates by Commute Length in De Soto, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,793 $4,793
American Family $3,697 $3,794
Farmers $4,556 $4,556
GEICO $2,920 $3,043
Liberty Mutual $2,195 $2,195
Nationwide $4,260 $4,260
Progressive $3,657 $3,657
State Farm $2,411 $2,540
Travelers $2,387 $2,581
USAA $2,642 $2,794

Who has the cheapest De Soto, IL car insurance rates?

Here’s a breakdown of De Soto, Illinois car insurance rates by company. You can see which company offers the cheapest De Soto car insurance rates in each category.

Best Annual Car Insurance Rates by Company in De Soto, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Travelers
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

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What are the top De Soto, IL car insurance companies?

Which De Soto, Illinois car insurance company will best fit your needs and budget? Check out this comparison of the top De Soto companies to find the one for you.

Average Annual Car Insurance Rates by Company in De Soto, Illinois

Insurance Company Average Annual Rates
Allstate $4,793
American Family $3,746
Farmers $4,556
GEICO $2,982
Liberty Mutual $2,195
Nationwide $4,260
Progressive $3,657
State Farm $2,475
Travelers $2,484
USAA $2,718

What factors affect De Soto, IL car insurance rates?

Why are De Soto, Illinois car insurance rates different than rates in Joliet or Chicago? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in De Soto, IL?

More time spent behind the wheel can lead to higher De Soto, Illinois car insurance rates. In De Soto, IL, the average commute length is 21.5 minutes.

Car Insurance Quotes for De Soto, IL

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