Best Coal City, Illinois Auto Insurance in 2024
The average Coal City, IL auto insurance rates are $268 per month. The minimum auto insurance in Coal City is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Coal City, Illinois, compare quotes from multiple companies.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Sep 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Coal City, IL for senior drivers are $1,818 per year
- The most expensive auto insurance company in Coal City for teen drivers is Farmers
- The cheapest auto insurance company in Coal City is State Farm
Coal City, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Coal City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Coal City, Illinois, including driving record, credit, commute time, and more.
Compare auto insurance in Coal City to other Illinois cities, including Elgin auto insurance rates, Naperville auto insurance rates, and Joliet auto insurance rates to see how Coal City, Illinois auto insurance rates stack up.
Before you buy Coal City, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Coal City, Illinois auto insurance quotes.
Minimum Auto Insurance in Coal City, Illinois
Coal City, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Coal City, 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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Cheap Coal City, Illinois Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Coal City, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,453 | $3,468 | $3,618 | $3,618 | $9,036 | $11,754 | $4,156 | $4,493 |
| American Family | $2,263 | $2,263 | $2,076 | $2,076 | $6,479 | $8,948 | $2,263 | $2,922 |
| Farmers | $2,483 | $2,484 | $2,199 | $2,329 | $10,839 | $11,311 | $2,836 | $2,962 |
| Geico | $1,531 | $1,563 | $1,488 | $1,651 | $5,347 | $5,552 | $1,734 | $1,812 |
| Liberty Mutual | $1,391 | $1,500 | $1,154 | $1,290 | $4,758 | $5,291 | $1,453 | $1,529 |
| Nationwide | $1,682 | $1,706 | $1,503 | $1,585 | $4,616 | $5,894 | $1,959 | $2,114 |
| Progressive | $1,987 | $1,884 | $1,640 | $1,707 | $7,144 | $8,026 | $2,379 | $2,585 |
| State Farm | $1,389 | $1,389 | $1,248 | $1,248 | $4,032 | $5,122 | $1,571 | $1,797 |
| Travelers | $1,518 | $1,600 | $1,396 | $1,486 | $4,488 | $5,658 | $1,605 | $1,690 |
| USAA | $1,646 | $1,691 | $1,528 | $1,521 | $5,146 | $5,708 | $2,172 | $2,413 |
Cheap Coal City, Illinois Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Coal City, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Coal City, Illinois.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,036 | $11,754 |
| American Family | $6,479 | $8,948 |
| Farmers | $10,839 | $11,311 |
| Geico | $5,347 | $5,552 |
| Liberty Mutual | $4,758 | $5,291 |
| Nationwide | $4,616 | $5,894 |
| Progressive | $7,144 | $8,026 |
| State Farm | $4,032 | $5,122 |
| Travelers | $4,488 | $5,658 |
| USAA | $5,146 | $5,708 |
Cheap Coal City, Illinois Auto Insurance for Seniors
What are senior auto insurance rates in Coal City, Illinois? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,618 | $3,618 |
| American Family | $2,076 | $2,076 |
| Farmers | $2,199 | $2,329 |
| Geico | $1,488 | $1,651 |
| Liberty Mutual | $1,154 | $1,290 |
| Nationwide | $1,503 | $1,585 |
| Progressive | $1,640 | $1,707 |
| State Farm | $1,248 | $1,248 |
| Travelers | $1,396 | $1,486 |
| USAA | $1,528 | $1,521 |
Cheap Coal City, Illinois Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Coal City, Illinois compared to the annual auto insurance rates with a clean record in Coal City, Illinois.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,867 | $6,647 | $6,171 | $5,113 |
| American Family | $2,691 | $3,826 | $5,078 | $3,051 |
| Farmers | $3,952 | $5,099 | $4,972 | $4,699 |
| Geico | $1,747 | $2,834 | $3,703 | $2,055 |
| Liberty Mutual | $1,909 | $2,720 | $2,385 | $2,169 |
| Nationwide | $2,133 | $2,743 | $3,213 | $2,441 |
| Progressive | $2,820 | $4,177 | $3,118 | $3,562 |
| State Farm | $2,029 | $2,420 | $2,225 | $2,225 |
| Travelers | $1,932 | $2,535 | $2,831 | $2,423 |
| USAA | $1,955 | $2,785 | $3,820 | $2,352 |
Cheap Coal City, Illinois Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Coal City, Illinois is not easy. Compare the annual rates for DUI auto insurance in Coal City, Illinois to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,171 |
| American Family | $5,078 |
| Farmers | $4,972 |
| Geico | $3,703 |
| Liberty Mutual | $2,385 |
| Nationwide | $3,213 |
| Progressive | $3,118 |
| State Farm | $2,225 |
| Travelers | $2,831 |
| USAA | $3,820 |
Cheap Coal City, Illinois Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Coal City, Illinois annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,949 | $5,012 | $4,387 |
| American Family | $4,859 | $3,317 | $2,808 |
| Farmers | $5,311 | $4,474 | $4,256 |
| Geico | $4,144 | $2,028 | $1,582 |
| Liberty Mutual | $3,242 | $2,030 | $1,615 |
| Nationwide | $3,134 | $2,540 | $2,224 |
| Progressive | $3,892 | $3,307 | $3,058 |
| State Farm | $3,231 | $1,938 | $1,505 |
| Travelers | $2,958 | $2,392 | $1,940 |
| USAA | $3,649 | $2,490 | $2,046 |
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Cheap Coal City, Illinois Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Coal City, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Coal City, Illinois to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 60416 | $3,173 |
Cheap Coal City, Illinois Auto Insurance Rates By Commute
Commute length and annual mileage affect Coal City, Illinois auto insurance. Find the cheapest annual Coal City, Illinois auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,450 | $5,450 |
| American Family | $3,615 | $3,708 |
| Farmers | $4,681 | $4,681 |
| Geico | $2,539 | $2,630 |
| Liberty Mutual | $2,296 | $2,296 |
| Nationwide | $2,632 | $2,632 |
| Progressive | $3,419 | $3,419 |
| State Farm | $2,167 | $2,283 |
| Travelers | $2,335 | $2,525 |
| USAA | $2,651 | $2,805 |
Cheap Coal City, Illinois Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Coal City, Illinois? Check out the comparison of annual Coal City, Illinois auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,275 | $5,444 | $5,629 |
| American Family | $3,511 | $3,796 | $3,677 |
| Farmers | $4,445 | $4,565 | $5,032 |
| Geico | $2,340 | $2,578 | $2,836 |
| Liberty Mutual | $2,165 | $2,291 | $2,431 |
| Nationwide | $2,596 | $2,658 | $2,643 |
| Progressive | $3,181 | $3,413 | $3,663 |
| State Farm | $2,085 | $2,228 | $2,361 |
| Travelers | $2,272 | $2,427 | $2,592 |
| USAA | $2,560 | $2,725 | $2,900 |
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Best By Category: Cheapest Auto Insurance in Coal City, Illinois
Compare the cheapest auto insurance companies in Coal City, Illinois in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Coal City, Illinois Auto Insurance Companies
What auto insurance companies in Coal City, Illinois are the cheapest? Compare the top Coal City, Illinois auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,450 |
| American Family | $3,662 |
| Farmers | $4,681 |
| Geico | $2,585 |
| Liberty Mutual | $2,296 |
| Nationwide | $2,632 |
| Progressive | $3,419 |
| State Farm | $2,225 |
| Travelers | $2,430 |
| USAA | $2,728 |
What affects auto insurance rates in Coal City, Illinois?
There are a lot of reasons why auto insurance rates in Coal City, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Coal City, Illinois. Many local factors may affect your Coal City auto insurance rates.
Coal City Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Coal City, Illinois commute length is 29.1 minutes according to City-Data.
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Compare Coal City, Illinois Auto Insurance Quotes
Before you buy Coal City, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Coal City, Illinois auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Coal City, Illinois?
In Coal City, Illinois, the minimum auto insurance requirements to comply with the state’s laws are 25/50/20. This means you need at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.
How can I find the best cheap auto insurance in Coal City, Illinois?
To find the best cheap auto insurance in Coal City, Illinois, it’s recommended to compare quotes from multiple companies. By comparing rates, you can find the most affordable option that meets your coverage needs. Use our free quote tool by entering your ZIP code to compare quotes from different companies.
How are auto insurance rates in Coal City, Illinois affected by age, gender, and marital status?
Auto insurance rates in Coal City, Illinois can be affected by factors such as age, gender, and marital status. These demographics are used by insurance companies to assess risk. Generally, younger drivers, male drivers, and unmarried drivers may have higher rates compared to older drivers, female drivers, and married drivers. It’s important to review how these factors impact your rates and consider potential discounts.
How much does auto insurance cost for teen drivers in Coal City, Illinois?
Finding cheap auto insurance for teen drivers in Coal City, Illinois can be challenging. Teenagers are considered at higher risk due to their limited driving experience. The annual rates for teen auto insurance in Coal City, Illinois are typically higher compared to other age groups. It’s advisable to explore options such as good student discounts or adding a teen driver to a parent’s policy to help reduce costs.
What are the auto insurance rates for seniors in Coal City, Illinois?
The auto insurance rates for seniors in Coal City, Illinois can vary depending on factors such as driving history, vehicle type, and coverage needs. Generally, older drivers with a clean driving record may qualify for lower rates. However, it’s important to review individual circumstances and compare quotes from different insurance companies to find the most affordable options for senior drivers.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.