Best Quincy, Illinois Auto Insurance in 2024 (Compare the Top 10 Companies)
The best Quincy, Illinois auto insurance options are led by State Farm, American Family, and Allstate, offering reliable coverage for local drivers. Geico's $39/mo rate adds affordability. Comparing rates among these top providers ensures you find the best Quincy, Illinois auto insurance suited to your needs.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 12, 2024
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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 12, 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
17,759 reviewsCompany Facts
Full Coverage in Quincy Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
2,180 reviewsCompany Facts
Full Coverage in Quincy Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
2,180 reviews
11,413 reviewsCompany Facts
Full Coverage in Quincy Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsDiscover best Quincy, Illinois auto insurance with best providers, including Geico’s $39/mo offer alongside State Farm, American Family, and Allstate.
Quincy, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Quincy can seem like a difficult task, but all of the information you need is right here.
Our Top 10 Company Picks: Best Quincy, Illinois Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 25% | A | Claims Service | American Family |
 | #3 | 25% | A+ | UBI Savings | Allstate |
 | #4 | 10% | A+ | Qualifying Coverage | Progressive |
 | #5 | 20% | A | Policy Options | Farmers |
 | #6 | 25% | A | 24/7 Support | Liberty Mutual |
 | #7 | 15% | A++ | Coverage Flexibility | Auto-Owners |
 | #8 | 25% | A++ | Cheap Rates | Geico |
 | #9 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #10 | 13% | A++ | Comprehensive Coverage | Travelers |
Before you buy Quincy, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Quincy, Illinois auto insurance quotes.
- Average auto insurance in Quincy for seniors are $11/mo
- Minimum auto insurance in Quincy is 25/50/20
- Cheapest auto insurance in Quincy is State Farm
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#1 – State Farm: Top Overall Pick
Pros
- Top Ranking: State Farm ranks #1 in customer service, offering extensive support and making it a top choice for the best Quincy, Illinois auto insurance.
- 17% Bundling Discount: State Farm provides a 17% discount for bundling multiple policies, which helps you get the best Quincy, Illinois auto insurance at a lower cost. Know more here in our article “State Farm Auto Insurance Review.”
- Solid A.M. Best Rating: With a B rating from A.M. Best, State Farm is financially stable, though not as high as some competitors, it still offers reliable coverage for the best Quincy, Illinois auto insurance.
Cons
- Higher Rates for Some Drivers: Rates can be higher for drivers with less-than-perfect records, impacting the affordability of the best Quincy, Illinois auto insurance.
- Inconsistent Online Tools: Some users find State Farm’s online tools less user-friendly, which may affect the convenience of managing the best Quincy, Illinois auto insurance.
#2 – American Family: Best for Claims Service
Pros
- Excellent Claims Service: American Family ranks #2 for claims service, ensuring a reliable option for the best Quincy, Illinois auto insurance with strong support.
- 25% Bundling Discount: The company offers a 25% discount for bundling policies, helping you get the best Quincy, Illinois auto insurance at a lower cost.
- Flexible Coverage Options: American Family provides customizable coverage options, including accident forgiveness, making it a strong contender for the best Quincy, Illinois auto insurance. To know more flexible coverage options, check out “American Family Auto Insurance Review.”
Cons
- Higher Premiums for Some Drivers: Premiums can be higher for drivers with less-than-perfect records, which might affect the affordability of the best Quincy, Illinois auto insurance.
- Limited Availability: Coverage may not be available in all states, which can limit access to the best Quincy, Illinois auto insurance for some potential customers.
#3– Allstate: Best for UBI Savings
Pros
- UBI Savings: Allstate’s usage-based insurance (UBI) can help you save on premiums, making it a strong contender for the best Quincy, Illinois auto insurance for safe drivers. Their A+ A.M. Best rating reflects strong financial stability and reliability.
- 25% Bundling Discount: Allstate offers a generous 25% discount for bundling multiple policies, making it an appealing option for those seeking the best Quincy, Illinois auto insurance at a lower cost.
- Comprehensive Coverage Options: With a high A+ A.M. Best rating, Allstate provides extensive coverage options, ensuring that you get the best Quincy, Illinois auto insurance for a wide range of needs.
Cons
- Higher Premiums for Some Drivers: Despite the discounts, premiums can still be higher for drivers with less-than-perfect records, which may affect the affordability of the best Quincy, Illinois auto insurance.
- Mixed Claims Experience: Some customers report slower claims processing times, which could be a drawback for those needing quick resolution with the best Quincy, Illinois auto insurance. Discover more about mixed claims experience at “Allstate Auto Insurance Review.”
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#4 – Progressive: Best for Qualifying Coverage
Pros
- Qualifying Coverage Options: Progressive offers qualifying coverage options with a top A+ A.M. Best rating, making it a strong contender for the best Quincy, Illinois auto insurance. To know more about qualifying coverage option, check out “Progressive Auto Insurance Review.”
- 10% Bundling Discount: Progressive provides a 10% discount for bundling policies, helping you save on the best Quincy, Illinois auto insurance.
- Innovative Tools: Progressive’s Name Your Price tool and Snapshot program help tailor coverage to your needs, potentially securing the best Quincy, Illinois auto insurance at a price you can afford.
Cons
- Customer Service Concerns: Some customers report issues with customer service responsiveness, which might affect the overall experience with the best Quincy, Illinois auto insurance.
- Limited Personal Interaction: The focus on online tools and self-service options might not appeal to those who prefer more personal interactions with agents when seeking the best Quincy, Illinois auto insurance.
#5 – Farmers: Best for Policy Options
Pros
- Policy Options: Farmers is noted for its diverse policy options, with a high A rating from A.M. Best, providing flexibility for the best Quincy, Illinois auto insurance.
- 20% Bundling Discount: Farmers offers a 20% discount for bundling multiple policies, making it an appealing option for the best Quincy, Illinois auto insurance. Discover more bundling discount at “Farmers Auto Insurance Review.”
- Strong Customer Service: Known for strong customer service, Farmers provides local agent support, which can enhance the experience with the best Quincy, Illinois auto insurance.
Cons
- Higher Premiums in Some Cases: Premiums can be higher compared to competitors, which might impact the affordability of the best Quincy, Illinois auto insurance for some drivers.
- Mixed Reviews on Claims Processing: Some customers report mixed experiences with claims processing, which could affect satisfaction with the best Quincy, Illinois auto insurance.
#6 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Support: Liberty Mutual offers 24/7 claims service, making it a strong candidate for the best Quincy, Illinois auto insurance with around-the-clock support.
- 25% Bundling Discount: The company provides a 25% discount for bundling policies, which can help you get the best Quincy, Illinois auto insurance at a more affordable rate.
- Flexible Coverage Options: Liberty Mutual’s various coverage options, including new car replacement and accident forgiveness, make it a robust choice for the best Quincy, Illinois auto insurance.
Cons
- Higher Rates for Some Drivers: Rates may be higher for drivers with less-than-perfect records, affecting the overall affordability of the best Quincy, Illinois auto insurance. Discover more at “Liberty Auto Insurance Review.”
- Inconsistent Customer Service: Some customers report inconsistent experiences with customer service, which might impact the overall satisfaction with the best Quincy, Illinois auto insurance.
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#7 – Auto-Owners: Best for Coverage Flexibility
Pros
- Coverage Flexibility: Auto-Owners is known for its coverage flexibility with a top A++ A.M. Best rating, making it a reliable choice for the best Quincy, Illinois auto insurance.
- 15% Bundling Discount: The company offers a 15% discount for bundling multiple policies, which can help you get the best Quincy, Illinois auto insurance at a reduced rate.
- Strong Financial Stability: With an A++ rating from A.M. Best, Auto-Owners demonstrates strong financial stability, ensuring reliable service for the best Quincy, Illinois auto insurance.
Cons
- Limited Online Tools: The company’s online tools and resources may not be as advanced as some competitors, potentially affecting the convenience of managing the best Quincy, Illinois auto insurance. Discover limited online tools at “Auto-Owners Auto Insurance Review.”
- Customer Service Variability: Experiences with customer service can vary, which might impact satisfaction with the best Quincy, Illinois auto insurance.
#8 – Geico: Best for Cheap Rates
Pros
- Cheap Rates: Geico is known for offering some of the lowest rates in the industry, making it a top choice for those seeking the best Quincy, Illinois auto insurance at an affordable price.
- 25% Bundling Discount: Geico provides a 25% discount for bundling policies, helping you secure the best Quincy, Illinois auto insurance while saving on costs.
- User-Friendly Online Tools: Geico’s website and mobile app are highly rated, making it easier to manage your policy and claims for the best Quincy, Illinois auto insurance. Discover user-friendly online tools at “Geico Auto Insurance Review.”
Cons
- Limited Personalized Service: Geico’s focus on digital and phone-based interactions may provide less personalized customer service, potentially impacting the best Quincy, Illinois auto insurance experience.
- Mixed Reviews on Claims Handling: Some customers have reported issues with the claims process, which could affect satisfaction with the best Quincy, Illinois auto insurance.
#9 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide’s vanishing deductible program reduces your deductible each year you remain claim-free, making it an appealing option for the best Quincy, Illinois auto insurance. Learn more at “Nationwide Auto Insurance Review.”
- 20% Bundling Discount: Nationwide offers a 20% discount for bundling multiple policies, helping you secure the best Quincy, Illinois auto insurance while saving on overall costs.
- Strong A.M. Best Rating: With an A+ rating from A.M. Best, Nationwide is financially stable, providing a reliable option for the best Quincy, Illinois auto insurance.
Cons
- Higher Rates for Some Drivers: Premiums can be higher for certain drivers, potentially affecting the affordability of the best Quincy, Illinois auto insurance.
- Limited Coverage Options: Nationwide may have fewer coverage options compared to some competitors, which could impact the availability of the best Quincy, Illinois auto insurance for all drivers.
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#10 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Travelers offers extensive coverage options with a top A++ A.M. Best rating, making it a reliable choice for the best Quincy, Illinois auto insurance.
- 13% Bundling Discount: Travelers provides a 13% discount for bundling policies, helping you save on the best Quincy, Illinois auto insurance.
- High Financial Ratings: With an A++ rating from A.M. Best, Travelers demonstrates strong financial stability and reliability, enhancing its position as the best Quincy, Illinois auto insurance provider.
Cons
- Limited Coverage in Some Areas: Travelers may have fewer coverage options in certain regions, which might affect the availability of the best Quincy, Illinois auto insurance for all drivers. Explore our article “Travelers Auto Insurance Review.”
- Customer Service Complaints: Some customers have reported issues with customer service responsiveness, which could impact the overall experience with the best Quincy, Illinois auto insurance.
Cheap Quincy, Illinois Auto Insurance by Age and Gender
Quincy, 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 Quincy, Illinois.
Quincy, Illinois Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $51 | $139 |
| $46 | $127 |
| $45 | $125 |
| $49 | $141 |
| $39 | $113 |
| $56 | $147 |
| $47 | $130 |
| $43 | $121 |
| $42 | $115 |
| $50 | $136 |
Auto insurance rates in Quincy, Illinois are influenced by factors such as age and gender. Understanding how these demographics impact the monthly cost of insurance can help you better estimate your premiums and find the most affordable coverage.
Additionally, knowing the car insurance requirements in Illinois ensures that you meet the necessary legal standards while searching for the best rates.
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $616 | $802 | $287 | $310 | $238 | $239 | $249 | $249 |
| $505 | $701 | $180 | $232 | $180 | $180 | $165 | $165 |
| $764 | $797 | $204 | $213 | $178 | $178 | $158 | $167 |
| $384 | $400 | $155 | $148 | $123 | $125 | $118 | $143 |
| $354 | $395 | $114 | $121 | $110 | $118 | $91 | $102 |
| $407 | $524 | $175 | $189 | $150 | $153 | $134 | $142 |
| $550 | $618 | $181 | $196 | $151 | $143 | $125 | $130 |
| $281 | $357 | $111 | $127 | $98 | $98 | $88 | $88 |
| $334 | $418 | $124 | $131 | $117 | $124 | $107 | $114 |
 | $361 | $399 | $152 | $167 | $116 | $118 | $108 | $107 |
Additionally, by analyzing these factors, you can identify ways to potentially lower your insurance costs based on your personal profile. Understanding how each element impacts your premium helps you make informed decisions for cost savings.
Cheap Quincy, Illinois Auto Insurance By Driving Record
Your driving record is a crucial factor that influences auto insurance rates. Explore how “Insurance for Different Type of Drivers” in Quincy, Illinois varies by comparing the monthly rates for a bad driving record with those for a clean record to see the impact. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
Quincy, Illinois Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, New Car, Student, Anti-Theft Devices |
| Safe Driver, Multi-Policy, Good Student, Low Mileage, Bundling |
| Safe Driver, Multi-Policy, Home Ownership, Good Student, Bundling |
| Safe Driver, Multi-Policy, Home Ownership, Bundling, Good Student |
| Safe Driver, Multi-Policy, Military, Good Student, Federal Employee |
| Safe Driver, Multi-Policy, Good Student, Hybrid/Electric Vehicle, New Car |
| Safe Driver, Multi-Policy, Good Student, Accident Forgiveness, Bundling |
| Safe Driver, Multi-Policy, Usage-Based, Good Student, Online Quote |
| Safe Driver, Multi-Policy, Good Student, Bundling, Defensive Driving |
| Safe Driver, Multi-Policy, Good Student, Home Ownership, Accident Forgiveness |
Additionally, understanding this variation helps you evaluate potential savings from maintaining a clean driving record and how it might affect your overall insurance costs.
Quincy, Illinois Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $268 | $453 | $423 | $351 |
| $212 | $302 | $400 | $240 |
| $281 | $362 | $353 | $334 |
| $145 | $195 | $277 | $181 |
| $147 | $207 | $183 | $166 |
| $189 | $244 | $288 | $217 |
| $216 | $320 | $239 | $272 |
| $143 | $169 | $156 | $156 |
| $146 | $191 | $213 | $183 |
| $137 | $195 | $267 | $165 |
Keeping a clean driving record not only helps in maintaining lower insurance rates but also enhances your eligibility for various discounts and better coverage options, ultimately leading to more favorable terms and savings on your auto insurance in Quincy, Illinois.
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Cheap Quincy, Illinois Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Quincy, Illinois can vary. Compare the monthly cost of auto insurance by ZIP code in Quincy, Illinois to see how car insurance rates are affected by location.
By comparing the monthly cost of auto insurance across different ZIP codes in Quincy, Illinois, you can identify potential savings opportunities and understand how location-specific factors influence your premiums.
Quincy, Illinois Auto Insurance Monthly Rates by ZIP Code
| ZIP Code | Rates |
|---|---|
| 62301 | $235 |
| 62305 | $238 |
Additionally, analyzing these variations can help you make more informed decisions when selecting your auto insurance coverage based on your specific area.
The Cheapest Quincy, Illinois Auto Insurance Companies
What auto insurance companies in Quincy, Illinois are the cheapest? To get the most affordable rates, it’s crucial to explore a variety of providers, as factors like your driving record and vehicle type can influence pricing.
Compare the top Quincy, Illinois auto insurance companies to find the best monthly rates, and consider bundling options or discounts for safe driving to lower your premium even further. By shopping around, you can ensure you’re getting the best value for your coverage needs.
Read more: Auto Insurance Rates by Vehicle
Best Quincy, Illinois Auto Insurance Monthly Rates by Provider
| Insurance Company | Rates |
|---|---|
| $374 |
| $288 |
| $332 |
| $200 |
| $176 |
| $234 |
| $262 |
| $156 |
| $184 |
| $191 |
Before you buy Quincy, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Different insurers may offer varying levels of coverage and discounts, which can significantly affect your premium. Some companies may provide better discounts for bundling home and auto insurance or offer special deals for safe driving or low mileage.
Additionally, consider the customer service and claims process of each company to ensure you choose one that meets your needs and expectations.
A responsive and reliable insurer can make a big difference when it comes to handling accident claims or resolving disputes. Taking the time to compare options will help you find the best policy for your situation and potentially save you money.
Tim Bain Licensed Insurance Agent
Don’t forget to review each company’s financial strength and reputation, as a highly-rated insurer is more likely to offer a smooth claims experience and provide peace of mind. Furthermore, exploring lesser-known regional insurers might reveal hidden gems with competitive rates and personalized service.
Frequently Asked Questions
What is Quincy, IL auto insurance?
Quincy, IL auto insurance refers to the insurance coverage required for vehicles registered and operated in Quincy, Illinois. It provides financial protection in case of accidents, damage, theft, or other covered events involving your vehicle.
What types of auto insurance coverage are available in Quincy, IL?
The common types of auto insurance coverage available in Quincy, IL include liability coverage, which is mandatory and covers injuries and property damage to others, as well as optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage.
If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
Is auto insurance mandatory in Quincy, IL?
Yes, auto insurance is mandatory in Quincy, IL, as it is in the rest of Illinois. The state requires drivers to carry a minimum amount of liability coverage to protect against financial responsibility for injuries or property damage caused by an accident.
Read more: Cheapest Auto Insurance Companies
What are the minimum liability insurance requirements in Quincy, IL?
The minimum liability insurance requirements in Quincy, IL are as follows:
- $2,083 bodily injury liability per person
- $4,166 bodily injury liability per accident
- $1,666 property damage liability per accident
Can I purchase additional auto insurance coverage in Quincy, IL?
Yes, you can purchase additional auto insurance coverage beyond the minimum requirements in Quincy, IL. Optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage can provide enhanced protection for your vehicle and yourself.
Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.
How can I find the best auto insurance in Quincy, IL?
To find the best auto insurance in Quincy, IL, consider these steps:
- Shop around and compare quotes from multiple insurance companies.
- Assess the coverage options, limits, and deductibles offered by each insurer.
- Check the financial stability and reputation of the insurance companies.
- Read customer reviews and ratings to evaluate their customer service.
- Take into account any discounts or special features that may be available.
Read more: Minimum Auto Insurance
What are the benefits of bundling policies with auto insurance providers?
Bundling multiple policies, such as auto and home insurance, can offer significant savings. For instance, Nationwide provides a 20% bundling discount, while Liberty Mutual offers a 25% discount. This can make it easier to find the best Quincy, Illinois auto insurance at a reduced rate.
How does a company’s A.M. Best rating affect my auto insurance?
A.M. Best ratings reflect the financial stability of an insurance company. For example, companies like State Farm and Progressive have strong A.M. Best ratings of B and A+, respectively.
Opting for a provider with a higher rating ensures that you receive reliable coverage and service, contributing to the best Quincy, Illinois auto insurance experience. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
What types of coverage options are available from Farmers Insurance?
Farmers Insurance offers a variety of policy options, including customizable coverage plans. This flexibility is beneficial for finding the best Quincy, Illinois auto insurance that suits your specific needs and preferences.
Read more: Annual Auto Insurance
How does a vanishing deductible program work?
A vanishing deductible program, like the one offered by Nationwide, reduces your deductible amount each year you remain claim-free. This feature helps in lowering your out-of-pocket costs and can be a key factor in securing the best Quincy, Illinois auto insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.