Cheap Quotes for Mounds, IL Car Insurance (2021)

Mounds, Illinois car insurance rates average $287 a month and Illinois law requires coverage of at least 25/50/20. By comparing rates from multiple Mounds, IL companies, you can find cheap Mounds 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 Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • The cheapest car insurance company in Mounds is Liberty Mutual
  • Mounds has an average commute time of 30.2 minutes
  • Average car insurance rates in Mounds, IL after a DUI are $4,027/year

How do the Mounds, Illinois monthly average car insurance rates of $287/month compare to nearby cities like Champaign car insurance rates, Springfield car insurance rates, and Elgin car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Mounds, IL.

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

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

What are the minimum Mounds, IL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mounds, 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 $3,598 $3,615 $3,738 $3,738 $9,095 $11,864 $4,326 $4,675
American Family $2,469 $2,469 $2,252 $2,252 $6,830 $9,541 $2,469 $3,178
Farmers $2,536 $2,547 $2,258 $2,373 $10,279 $10,739 $2,882 $3,031
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,406 $1,521 $1,169 $1,308 $4,400 $4,901 $1,474 $1,562
Nationwide $2,672 $2,723 $2,362 $2,514 $7,470 $9,649 $3,123 $3,399
Progressive $2,199 $2,111 $1,811 $1,892 $7,099 $7,997 $2,615 $2,796
State Farm $1,464 $1,464 $1,292 $1,292 $3,915 $4,988 $1,647 $1,875
Travelers $1,497 $1,581 $1,345 $1,435 $4,090 $5,077 $1,591 $1,677
USAA $1,666 $1,690 $1,551 $1,522 $5,467 $6,018 $2,195 $2,404

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

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

Annual Car Insurance Rates for Teen Drivers in Mounds, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,095 $11,864
American Family $6,830 $9,541
Farmers $10,279 $10,739
GEICO $5,690 $6,014
Liberty Mutual $4,400 $4,901
Nationwide $7,470 $9,649
Progressive $7,099 $7,997
State Farm $3,915 $4,988
Travelers $4,090 $5,077
USAA $5,467 $6,018

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

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

Annual Car Insurance Rates for Senior Drivers in Mounds, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,738 $3,738
American Family $2,252 $2,252
Farmers $2,258 $2,373
GEICO $1,757 $2,095
Liberty Mutual $1,169 $1,308
Nationwide $2,362 $2,514
Progressive $1,811 $1,892
State Farm $1,292 $1,292
Travelers $1,345 $1,435
USAA $1,551 $1,522

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

Annual Car Insurance Rates by Coverage Level in Mounds, Illinois

Insurance Company Low Medium High
Allstate $5,423 $5,576 $5,744
American Family $3,810 $4,076 $3,912
Farmers $4,376 $4,480 $4,885
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,095 $2,213 $2,345
Nationwide $4,215 $4,278 $4,224
Progressive $3,250 $3,544 $3,902
State Farm $2,129 $2,243 $2,355
Travelers $2,155 $2,284 $2,421
USAA $2,621 $2,812 $3,010

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

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

Annual Mounds, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,081 $6,735 $6,243 $5,265
American Family $2,890 $4,100 $5,460 $3,281
Farmers $3,883 $4,972 $4,849 $4,617
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,856 $2,610 $2,305 $2,100
Nationwide $3,385 $4,427 $5,233 $3,910
Progressive $2,956 $4,295 $3,270 $3,740
State Farm $2,067 $2,417 $2,242 $2,242
Travelers $1,827 $2,381 $2,652 $2,287
USAA $2,000 $2,887 $3,954 $2,415

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

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

Annual Car Insurance Rates After a DUI in Mounds, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,243
American Family $5,460
Farmers $4,849
GEICO $4,060
Liberty Mutual $2,305
Nationwide $5,233
Progressive $3,270
State Farm $2,242
Travelers $2,652
USAA $3,954

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

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

Annual Car Insurance Rates by Credit Score in Mounds, Illinois

Insurance Company Poor Fair Good
Allstate $7,156 $5,118 $4,469
American Family $5,252 $3,551 $2,995
Farmers $5,222 $4,364 $4,156
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,143 $1,952 $1,558
Nationwide $5,077 $4,077 $3,564
Progressive $4,099 $3,440 $3,157
State Farm $3,254 $1,954 $1,519
Travelers $2,803 $2,233 $1,824
USAA $3,742 $2,576 $2,125

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

Mounds, 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 Mounds if you’re financing.

Annual Car Insurance Rates by Commute Length in Mounds, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,581 $5,581
American Family $3,881 $3,984
Farmers $4,580 $4,580
GEICO $2,920 $3,043
Liberty Mutual $2,218 $2,218
Nationwide $4,239 $4,239
Progressive $3,565 $3,565
State Farm $2,186 $2,298
Travelers $2,198 $2,376
USAA $2,735 $2,893

Who has the cheapest Mounds, IL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Mounds, Illinois

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

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What are the top Mounds, IL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Mounds, Illinois

Insurance Company Average Annual Rates
Allstate $5,581
American Family $3,933
Farmers $4,580
GEICO $2,982
Liberty Mutual $2,218
Nationwide $4,239
Progressive $3,565
State Farm $2,242
Travelers $2,287
USAA $2,814

What factors affect Mounds, IL car insurance rates?

Why are Mounds, Illinois car insurance rates different than rates in Champaign or Springfield? 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 Mounds, IL?

More time spent behind the wheel can lead to higher Mounds, Illinois car insurance rates. In Mounds, IL, the average commute length is 30.2 minutes.

Car Insurance Quotes for Mounds, IL

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