Cheap Quotes for Monticello, IL Car Insurance (2021)

Monticello, Illinois car insurance rates average $238 a month and Illinois law requires coverage of at least 25/50/20. By comparing rates from multiple Monticello, IL companies, you can find cheap Monticello 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 Monticello is Travelers
  • Average car insurance rates in Monticello, IL for senior drivers are $1,631/year
  • Monticello has an average commute time of 20.8 minutes

How do the Monticello, Illinois monthly average car insurance rates of $238/month compare to nearby cities like Aurora car insurance rates, Chicago car insurance rates, and Springfield car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Monticello, IL.

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

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

What are the minimum Monticello, IL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Monticello, 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 $2,953 $2,967 $3,074 $3,074 $7,561 $9,833 $3,547 $3,833
American Family $2,004 $2,004 $1,837 $1,837 $5,668 $7,844 $2,004 $2,584
Farmers $2,177 $2,177 $1,933 $2,042 $9,259 $9,648 $2,487 $2,603
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,260 $1,359 $1,051 $1,173 $4,224 $4,697 $1,315 $1,385
Nationwide $1,616 $1,647 $1,440 $1,526 $4,370 $5,607 $1,875 $2,029
Progressive $1,782 $1,688 $1,467 $1,533 $6,487 $7,284 $2,131 $2,320
State Farm $1,302 $1,302 $1,162 $1,162 $3,729 $4,724 $1,472 $1,696
Travelers $1,229 $1,295 $1,112 $1,184 $3,347 $4,141 $1,301 $1,369
USAA $1,644 $1,675 $1,530 $1,509 $5,299 $5,845 $2,166 $2,384

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

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

Annual Car Insurance Rates for Teen Drivers in Monticello, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,561 $9,833
American Family $5,668 $7,844
Farmers $9,259 $9,648
GEICO $4,375 $4,641
Liberty Mutual $4,224 $4,697
Nationwide $4,370 $5,607
Progressive $6,487 $7,284
State Farm $3,729 $4,724
Travelers $3,347 $4,141
USAA $5,299 $5,845

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

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

Annual Car Insurance Rates for Senior Drivers in Monticello, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,074 $3,074
American Family $1,837 $1,837
Farmers $1,933 $2,042
GEICO $1,364 $1,612
Liberty Mutual $1,051 $1,173
Nationwide $1,440 $1,526
Progressive $1,467 $1,533
State Farm $1,162 $1,162
Travelers $1,112 $1,184
USAA $1,530 $1,509

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

Annual Car Insurance Rates by Coverage Level in Monticello, Illinois

Insurance Company Low Medium High
Allstate $4,473 $4,601 $4,742
American Family $3,103 $3,341 $3,224
Farmers $3,850 $3,949 $4,324
GEICO $2,131 $2,300 $2,489
Liberty Mutual $1,937 $2,053 $2,184
Nationwide $2,515 $2,530 $2,496
Progressive $2,868 $3,080 $3,312
State Farm $1,964 $2,072 $2,171
Travelers $1,775 $1,870 $1,971
USAA $2,572 $2,754 $2,944

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

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

Annual Monticello, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,330 $5,570 $5,187 $4,334
American Family $2,365 $3,384 $4,461 $2,682
Farmers $3,413 $4,397 $4,287 $4,067
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,714 $2,434 $2,138 $1,947
Nationwide $2,030 $2,620 $3,077 $2,328
Progressive $2,545 $3,773 $2,814 $3,213
State Farm $1,891 $2,246 $2,069 $2,069
Travelers $1,504 $1,953 $2,159 $1,874
USAA $1,965 $2,823 $3,867 $2,370

How does a DUI affect Monticello, IL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Monticello, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,187
American Family $4,461
Farmers $4,287
GEICO $3,141
Liberty Mutual $2,138
Nationwide $3,077
Progressive $2,814
State Farm $2,069
Travelers $2,159
USAA $3,867

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

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

Annual Car Insurance Rates by Credit Score in Monticello, Illinois

Insurance Company Poor Fair Good
Allstate $5,883 $4,234 $3,699
American Family $4,281 $2,918 $2,470
Farmers $4,594 $3,858 $3,670
GEICO $3,690 $1,812 $1,417
Liberty Mutual $2,905 $1,819 $1,450
Nationwide $2,998 $2,421 $2,122
Progressive $3,516 $2,984 $2,759
State Farm $3,008 $1,801 $1,397
Travelers $2,290 $1,832 $1,495
USAA $3,672 $2,521 $2,077

How does your commute affect Monticello, IL car insurance rates?

Monticello, 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 Monticello if you’re financing.

Annual Car Insurance Rates by Commute Length in Monticello, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,605 $4,605
American Family $3,182 $3,264
Farmers $4,041 $4,041
GEICO $2,263 $2,351
Liberty Mutual $2,058 $2,058
Nationwide $2,514 $2,514
Progressive $3,086 $3,086
State Farm $2,017 $2,120
Travelers $1,800 $1,944
USAA $2,679 $2,834

Who has the cheapest Monticello, IL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Monticello, Illinois

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

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What are the top Monticello, IL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Monticello, Illinois

Insurance Company Average Annual Rates
Allstate $4,605
American Family $3,223
Farmers $4,041
GEICO $2,307
Liberty Mutual $2,058
Nationwide $2,514
Progressive $3,086
State Farm $2,069
Travelers $1,872
USAA $2,756

What factors affect Monticello, IL car insurance rates?

Why are Monticello, Illinois car insurance rates different than rates in Aurora 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 Monticello, IL?

More time spent behind the wheel can lead to higher Monticello, Illinois car insurance rates. In Monticello, IL, the average commute length is 20.8 minutes.

Car Insurance Quotes for Monticello, IL

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