Cheap Quotes for St. Francisville, IL Car Insurance (2021)

St. Francisville, Illinois car insurance rates average $249 a month and Illinois law requires coverage of at least 25/50/20. By comparing rates from multiple St. Francisville, IL companies, you can find cheap St. Francisville 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

  • St. Francisville has an average commute time of 28.5 minutes
  • Average car insurance rates in St. Francisville, IL after a DUI are $3,477/year
  • Average car insurance rates in St. Francisville, IL are $249/month

How do the St. Francisville, Illinois monthly average car insurance rates of $249/month compare to nearby cities like Joliet car insurance rates, Springfield 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 St. Francisville, IL.

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

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

What are the minimum St. Francisville, IL car insurance requirements?

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

Minimum Required Car Insurance Coverage in St. Francisville, 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 St. Francisville, IL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in St. Francisville, 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 $3,031 $3,046 $3,153 $3,153 $7,734 $10,062 $3,641 $3,934
American Family $2,165 $2,165 $1,978 $1,978 $6,009 $8,367 $2,165 $2,787
Farmers $2,236 $2,237 $1,990 $2,097 $9,212 $9,593 $2,552 $2,680
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,429 $1,547 $1,188 $1,331 $4,455 $4,964 $1,497 $1,587
Nationwide $1,726 $1,759 $1,535 $1,629 $4,666 $5,999 $2,001 $2,170
Progressive $1,951 $1,869 $1,608 $1,679 $6,396 $7,188 $2,323 $2,484
State Farm $1,358 $1,358 $1,199 $1,199 $3,708 $4,712 $1,531 $1,755
Travelers $1,502 $1,584 $1,362 $1,452 $4,243 $5,287 $1,594 $1,679
USAA $1,639 $1,669 $1,524 $1,504 $5,278 $5,822 $2,158 $2,375

How much do teen drivers pay for car insurance in St. Francisville, IL?

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

Annual Car Insurance Rates for Teen Drivers in St. Francisville, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,009 $8,367
Farmers $9,212 $9,593
GEICO $4,375 $4,641
Liberty Mutual $4,455 $4,964
Nationwide $4,666 $5,999
Progressive $6,396 $7,188
State Farm $3,708 $4,712
Travelers $4,243 $5,287
USAA $5,278 $5,822

How much do senior drivers pay for car insurance in St. Francisville, IL?

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

Annual Car Insurance Rates for Senior Drivers in St. Francisville, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $1,978 $1,978
Farmers $1,990 $2,097
GEICO $1,364 $1,612
Liberty Mutual $1,188 $1,331
Nationwide $1,535 $1,629
Progressive $1,608 $1,679
State Farm $1,199 $1,199
Travelers $1,362 $1,452
USAA $1,524 $1,504

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

Annual Car Insurance Rates by Coverage Level in St. Francisville, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,343 $3,577 $3,435
Farmers $3,897 $3,990 $4,337
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,124 $2,245 $2,381
Nationwide $2,684 $2,705 $2,669
Progressive $2,939 $3,166 $3,457
State Farm $2,007 $2,105 $2,195
Travelers $2,203 $2,335 $2,476
USAA $2,562 $2,743 $2,933

How does your driving record affect St. Francisville, IL car insurance rates?

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

Annual St. Francisville, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,422 $5,702 $5,309 $4,444
American Family $2,535 $3,615 $4,782 $2,876
Farmers $3,445 $4,427 $4,317 $4,111
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,883 $2,647 $2,339 $2,130
Nationwide $2,163 $2,801 $3,294 $2,485
Progressive $2,644 $3,845 $2,922 $3,339
State Farm $1,934 $2,271 $2,103 $2,103
Travelers $1,865 $2,438 $2,711 $2,337
USAA $1,958 $2,813 $3,852 $2,361

How does a DUI affect St. Francisville, IL car insurance rates?

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

Annual Car Insurance Rates After a DUI in St. Francisville, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,309
American Family $4,782
Farmers $4,317
GEICO $3,141
Liberty Mutual $2,339
Nationwide $3,294
Progressive $2,922
State Farm $2,103
Travelers $2,711
USAA $3,852

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How does your credit history affect St. Francisville, IL car insurance rates?

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

Annual Car Insurance Rates by Credit Score in St. Francisville, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,600 $3,120 $2,635
Farmers $4,643 $3,884 $3,697
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,191 $1,979 $1,579
Nationwide $3,206 $2,585 $2,266
Progressive $3,665 $3,074 $2,824
State Farm $3,058 $1,831 $1,420
Travelers $2,857 $2,291 $1,865
USAA $3,658 $2,511 $2,069

How does your commute affect St. Francisville, IL car insurance rates?

St. Francisville, 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 St. Francisville if you’re financing.

Annual Car Insurance Rates by Commute Length in St. Francisville, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,407 $3,497
Farmers $4,075 $4,075
GEICO $2,263 $2,351
Liberty Mutual $2,250 $2,250
Nationwide $2,686 $2,686
Progressive $3,187 $3,187
State Farm $2,051 $2,155
Travelers $2,247 $2,429
USAA $2,669 $2,823

Who has the cheapest St. Francisville, IL car insurance rates?

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

Best Annual Car Insurance Rates by Company in St. Francisville, Illinois

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

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What are the top St. Francisville, IL car insurance companies?

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

Average Annual Car Insurance Rates by Company in St. Francisville, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,452
Farmers $4,075
GEICO $2,307
Liberty Mutual $2,250
Nationwide $2,686
Progressive $3,187
State Farm $2,103
Travelers $2,338
USAA $2,746

What factors affect St. Francisville, IL car insurance rates?

Why are St. Francisville, Illinois car insurance rates different than rates in Joliet 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 St. Francisville, IL?

More time spent behind the wheel can lead to higher St. Francisville, Illinois car insurance rates. In St. Francisville, IL, the average commute length is 28.5 minutes.

Car Insurance Quotes for St. Francisville, IL

Shop for affordable St. Francisville, Illinois car insurance rates today. Enter your ZIP code to compare quotes from multiple St. Francisville, IL car insurance companies.

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