Cheap Quotes for Fox Valley, IL Car Insurance (2021)

Fox Valley, Illinois car insurance rates average $276 a month and Illinois law requires coverage of at least 25/50/20. By comparing rates from multiple Fox Valley, IL companies, you can find cheap Fox Valley 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

  • Average car insurance rates in Fox Valley, IL for senior drivers are $1,849/year
  • Average car insurance rates in Fox Valley, IL are $276/month
  • The cheapest car insurance company in Fox Valley is USAA

How do the Fox Valley, Illinois monthly average car insurance rates of $276/month compare to nearby cities like Aurora car insurance rates, Cicero car insurance rates, and Naperville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Fox Valley, IL.

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

Enter your ZIP code above to find cheap Fox Valley, IL car insurance quotes today.

What are the minimum Fox Valley, IL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Fox Valley, 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 Fox Valley, IL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fox Valley, 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 $3,153 $3,167 $3,309 $3,309 $8,323 $10,814 $3,793 $4,101
American Family $2,203 $2,203 $2,025 $2,025 $6,376 $8,777 $2,203 $2,849
Farmers $2,298 $2,296 $2,030 $2,156 $10,372 $10,824 $2,632 $2,742
GEICO $1,707 $1,756 $1,668 $1,875 $5,994 $6,188 $1,927 $2,001
Liberty Mutual $1,785 $1,928 $1,490 $1,668 $6,132 $6,811 $1,852 $1,940
Nationwide $1,640 $1,661 $1,469 $1,546 $4,511 $5,746 $1,912 $2,061
Progressive $2,262 $2,129 $1,870 $1,955 $8,390 $9,417 $2,700 $2,926
State Farm $1,576 $1,576 $1,431 $1,431 $5,080 $6,405 $1,789 $2,069
Travelers $1,632 $1,719 $1,512 $1,609 $4,991 $6,321 $1,726 $1,816
USAA $1,410 $1,423 $1,317 $1,286 $4,631 $5,075 $1,845 $2,007

How much do teen drivers pay for car insurance in Fox Valley, IL?

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

Annual Car Insurance Rates for Teen Drivers in Fox Valley, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,323 $10,814
American Family $6,376 $8,777
Farmers $10,372 $10,824
GEICO $5,994 $6,188
Liberty Mutual $6,132 $6,811
Nationwide $4,511 $5,746
Progressive $8,390 $9,417
State Farm $5,080 $6,405
Travelers $4,991 $6,321
USAA $4,631 $5,075

How much do senior drivers pay for car insurance in Fox Valley, IL?

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

Annual Car Insurance Rates for Senior Drivers in Fox Valley, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,309 $3,309
American Family $2,025 $2,025
Farmers $2,030 $2,156
GEICO $1,668 $1,875
Liberty Mutual $1,490 $1,668
Nationwide $1,469 $1,546
Progressive $1,870 $1,955
State Farm $1,431 $1,431
Travelers $1,512 $1,609
USAA $1,317 $1,286

How does coverage level affect Fox Valley, 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 Fox Valley, IL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Fox Valley, Illinois

Insurance Company Low Medium High
Allstate $4,838 $4,991 $5,159
American Family $3,428 $3,715 $3,606
Farmers $4,183 $4,302 $4,772
GEICO $2,607 $2,884 $3,178
Liberty Mutual $2,766 $2,943 $3,144
Nationwide $2,528 $2,595 $2,582
Progressive $3,632 $3,946 $4,291
State Farm $2,503 $2,675 $2,831
Travelers $2,490 $2,662 $2,845
USAA $2,197 $2,372 $2,554

How does your driving record affect Fox Valley, IL car insurance rates?

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

Annual Fox Valley, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,518 $6,102 $5,684 $4,681
American Family $2,632 $3,746 $4,969 $2,984
Farmers $3,724 $4,821 $4,700 $4,430
GEICO $1,954 $3,155 $4,153 $2,297
Liberty Mutual $2,443 $3,506 $3,066 $2,788
Nationwide $2,085 $2,675 $3,129 $2,383
Progressive $3,252 $4,856 $3,605 $4,111
State Farm $2,419 $2,921 $2,670 $2,670
Travelers $2,114 $2,786 $3,108 $2,654
USAA $1,690 $2,441 $3,327 $2,039

How does a DUI affect Fox Valley, IL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Fox Valley, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,684
American Family $4,969
Farmers $4,700
GEICO $4,153
Liberty Mutual $3,066
Nationwide $3,129
Progressive $3,605
State Farm $2,670
Travelers $3,108
USAA $3,327

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How does your credit history affect Fox Valley, IL car insurance rates?

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

Annual Car Insurance Rates by Credit Score in Fox Valley, Illinois

Insurance Company Poor Fair Good
Allstate $6,354 $4,604 $4,031
American Family $4,747 $3,248 $2,753
Farmers $5,005 $4,230 $4,022
GEICO $4,643 $2,263 $1,762
Liberty Mutual $4,188 $2,604 $2,060
Nationwide $3,054 $2,480 $2,171
Progressive $4,494 $3,829 $3,546
State Farm $3,881 $2,325 $1,804
Travelers $3,236 $2,634 $2,128
USAA $3,145 $2,177 $1,801

How does your commute affect Fox Valley, IL car insurance rates?

Fox Valley, 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 Fox Valley if you’re financing.

Annual Car Insurance Rates by Commute Length in Fox Valley, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,996 $4,996
American Family $3,538 $3,628
Farmers $4,419 $4,419
GEICO $2,841 $2,939
Liberty Mutual $2,951 $2,951
Nationwide $2,568 $2,568
Progressive $3,956 $3,956
State Farm $2,603 $2,737
Travelers $2,561 $2,771
USAA $2,308 $2,440

Who has the cheapest Fox Valley, IL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Fox Valley, Illinois

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

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What are the top Fox Valley, IL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Fox Valley, Illinois

Insurance Company Average Annual Rates
Allstate $4,996
American Family $3,583
Farmers $4,419
GEICO $2,890
Liberty Mutual $2,951
Nationwide $2,568
Progressive $3,956
State Farm $2,670
Travelers $2,666
USAA $2,374

Car Insurance Quotes for Fox Valley, IL

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