Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Addison after a DUI is Liberty Mutual
  • Average car insurance rates in Addison, IL for senior drivers are $1,945/year
  • Average car insurance rates in Addison, IL are $291/month

Average car insurance rates in Addison, Illinois are $291 a month. But with a little research you can get a great deal from the top car insurance companies in Addison, IL. Before you buy Addison, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Addison car insurance rates with Champaign car insurance rates, Elgin car insurance rates, or Cicero car insurance rates to make sure you’re getting the best Addison, IL car insurance quotes available.

Need affordable Addison, IL car insurance? Enter your ZIP code to compare Addison car insurance quotes from multiple car insurance companies near you.

Addison, IL Minimum Car Insurance Coverage

Addison, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Addison, 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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Addison, IL Car Insurance Rates by Coverage Level

Some Addison drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Addison, Illinois car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Addison, Illinois

Insurance Company Low Medium High
Allstate $5,458 $5,632 $5,821
American Family $3,856 $4,178 $4,054
Farmers $4,899 $5,036 $5,573
GEICO $2,906 $3,198 $3,520
Liberty Mutual $2,204 $2,339 $2,488
Nationwide $2,423 $2,487 $2,477
Progressive $3,594 $3,921 $4,292
State Farm $2,655 $2,836 $3,002
Travelers $2,515 $2,685 $2,866
USAA $2,406 $2,593 $2,785

Addison, IL Car Insurance Rates by Age, Gender, and Marital Status

Addison, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Addison, IL car insurance, get quotes from multiple car insurance companies in the Addison area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Addison, 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 $3,558 $3,574 $3,732 $3,732 $9,398 $12,195 $4,280 $4,626
American Family $2,473 $2,473 $2,273 $2,273 $7,182 $9,887 $2,473 $3,201
Farmers $2,695 $2,692 $2,381 $2,528 $12,115 $12,640 $3,087 $3,216
GEICO $1,849 $1,911 $1,810 $2,035 $6,701 $6,970 $2,151 $2,239
Liberty Mutual $1,386 $1,492 $1,148 $1,284 $4,963 $5,519 $1,444 $1,513
Nationwide $1,577 $1,598 $1,413 $1,487 $4,314 $5,495 $1,837 $1,979
Progressive $2,243 $2,104 $1,856 $1,944 $8,383 $9,399 $2,671 $2,886
State Farm $1,674 $1,674 $1,519 $1,519 $5,382 $6,783 $1,900 $2,198
Travelers $1,646 $1,734 $1,524 $1,622 $5,036 $6,371 $1,742 $1,832
USAA $1,535 $1,548 $1,432 $1,396 $5,081 $5,568 $2,011 $2,188

Addison, IL Car Insurance Rates for Teens

How much is Addison, Illinois car insurance for teens? Compare rates from top Addison car insurance companies below to help find the cheapest teen car insurance in Addison, IL.

Annual Car Insurance Rates for Teen Drivers in Addison, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,398 $12,195
American Family $7,182 $9,887
Farmers $12,115 $12,640
GEICO $6,701 $6,970
Liberty Mutual $4,963 $5,519
Nationwide $4,314 $5,495
Progressive $8,383 $9,399
State Farm $5,382 $6,783
Travelers $5,036 $6,371
USAA $5,081 $5,568

Addison, IL Car Insurance Rates for Seniors

Before seniors buy Addison, Illinois car insurance, they should make sure to shop around. Some Addison, IL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Addison, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,732 $3,732
American Family $2,273 $2,273
Farmers $2,381 $2,528
GEICO $1,810 $2,035
Liberty Mutual $1,148 $1,284
Nationwide $1,413 $1,487
Progressive $1,856 $1,944
State Farm $1,519 $1,519
Travelers $1,524 $1,622
USAA $1,432 $1,396

Addison, IL Car Insurance Rates by Credit History

How does your credit history affect Addison, IL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Addison, Illinois

Insurance Company Poor Fair Good
Allstate $7,171 $5,194 $4,546
American Family $5,341 $3,652 $3,095
Farmers $5,854 $4,948 $4,705
GEICO $5,165 $2,509 $1,950
Liberty Mutual $3,302 $2,078 $1,651
Nationwide $2,928 $2,377 $2,082
Progressive $4,472 $3,808 $3,527
State Farm $4,113 $2,466 $1,914
Travelers $3,264 $2,656 $2,146
USAA $3,439 $2,378 $1,966

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Addison, IL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Addison, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Addison.

Annual Addison, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,968 $6,886 $6,414 $5,280
American Family $2,963 $4,196 $5,597 $3,360
Farmers $4,356 $5,639 $5,498 $5,184
GEICO $2,167 $3,328 $4,794 $2,543
Liberty Mutual $1,945 $2,786 $2,433 $2,211
Nationwide $2,001 $2,565 $2,999 $2,285
Progressive $3,234 $4,836 $3,587 $4,087
State Farm $2,566 $3,097 $2,831 $2,831
Travelers $2,132 $2,811 $3,133 $2,678
USAA $1,843 $2,667 $3,642 $2,227

Addison, IL Car Insurance Rates With a DUI

Even a single DUI can increase your Addison, IL car insurance rates. Compare rates below to see which Addison car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Addison, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,414
American Family $5,597
Farmers $5,498
GEICO $4,794
Liberty Mutual $2,433
Nationwide $2,999
Progressive $3,587
State Farm $2,831
Travelers $3,133
USAA $3,642

Addison, IL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Addison, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Addison companies based on commute time.

Annual Car Insurance Rates by Commute Length in Addison, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,637 $5,637
American Family $3,978 $4,080
Farmers $5,169 $5,169
GEICO $3,153 $3,264
Liberty Mutual $2,344 $2,344
Nationwide $2,463 $2,463
Progressive $3,936 $3,936
State Farm $2,761 $2,902
Travelers $2,582 $2,795
USAA $2,522 $2,667

Addison, IL Cheapest Car Insurance Rates

How do the top Addison, Illinois car insurance companies’ average rates stack up against the Addison average monthly car insurance rates of $291? Take a look and see.

Best Annual Car Insurance Rates by Company in Addison, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

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Addison, IL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Addison, Illinois car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Addison, Illinois

Insurance Company Average Annual Rates
Allstate $5,637
American Family $4,029
Farmers $5,169
GEICO $3,208
Liberty Mutual $2,344
Nationwide $2,463
Progressive $3,936
State Farm $2,831
Travelers $2,688
USAA $2,595

Other Factors Affecting Addison, IL Car Insurance Rates

Before you buy Addison, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Addison, IL Commute Time

How does your Addison, IL commute time compare with the average driver? In Addison, the average commute is 25.8 minutes.

Addison, IL Car Insurance Quotes

Compare Addison, IL car insurance quotes from multiple companies by entering your ZIP code now.