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

  • Average car insurance rates in Beardstown, IL are $252/month
  • The cheapest car insurance company in Beardstown after a DUI is Liberty Mutual
  • The cheapest car insurance company in Beardstown for teen drivers is State Farm

Average car insurance rates in Beardstown, Illinois are $252 a month. But with a little research you can get a great deal from the top car insurance companies in Beardstown, IL. Before you buy Beardstown, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Beardstown car insurance rates with Rockford car insurance rates, Chicago car insurance rates, or Naperville car insurance rates to make sure you’re getting the best Beardstown, IL car insurance quotes available.

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

Beardstown, IL Minimum Car Insurance Coverage

Beardstown, 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 Beardstown, 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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Beardstown, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Beardstown, Illinois

Insurance Company Low Medium High
Allstate $4,928 $5,055 $5,194
American Family $3,487 $3,708 $3,540
Farmers $4,025 $4,120 $4,470
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,986 $2,087 $2,201
Nationwide $2,646 $2,657 $2,619
Progressive $2,747 $2,942 $3,160
State Farm $2,079 $2,181 $2,274
Travelers $2,072 $2,188 $2,311
USAA $2,632 $2,814 $3,004

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Beardstown, 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 $3,259 $3,274 $3,383 $3,383 $8,257 $10,766 $3,916 $4,232
American Family $2,262 $2,262 $2,060 $2,060 $6,169 $8,642 $2,262 $2,908
Farmers $2,341 $2,345 $2,087 $2,196 $9,413 $9,802 $2,662 $2,797
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,316 $1,419 $1,100 $1,225 $4,192 $4,653 $1,375 $1,452
Nationwide $1,704 $1,739 $1,515 $1,610 $4,566 $5,881 $1,972 $2,139
Progressive $1,760 $1,682 $1,449 $1,508 $6,033 $6,784 $2,104 $2,279
State Farm $1,422 $1,422 $1,251 $1,251 $3,803 $4,847 $1,600 $1,826
Travelers $1,441 $1,521 $1,293 $1,380 $3,908 $4,834 $1,532 $1,614
USAA $1,677 $1,708 $1,559 $1,537 $5,422 $5,984 $2,212 $2,433

Beardstown, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Beardstown, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,257 $10,766
American Family $6,169 $8,642
Farmers $9,413 $9,802
GEICO $4,847 $5,129
Liberty Mutual $4,192 $4,653
Nationwide $4,566 $5,881
Progressive $6,033 $6,784
State Farm $3,803 $4,847
Travelers $3,908 $4,834
USAA $5,422 $5,984

Beardstown, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Beardstown, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,383 $3,383
American Family $2,060 $2,060
Farmers $2,087 $2,196
GEICO $1,521 $1,797
Liberty Mutual $1,100 $1,225
Nationwide $1,515 $1,610
Progressive $1,449 $1,508
State Farm $1,251 $1,251
Travelers $1,293 $1,380
USAA $1,559 $1,537

Beardstown, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Beardstown, Illinois

Insurance Company Poor Fair Good
Allstate $6,472 $4,648 $4,056
American Family $4,785 $3,228 $2,721
Farmers $4,800 $4,004 $3,812
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,957 $1,845 $1,472
Nationwide $3,154 $2,540 $2,228
Progressive $3,374 $2,849 $2,626
State Farm $3,167 $1,896 $1,470
Travelers $2,685 $2,139 $1,747
USAA $3,753 $2,575 $2,121

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Beardstown, IL Car Insurance Rates by Driver History

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

Annual Beardstown, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,694 $6,093 $5,679 $4,770
American Family $2,627 $3,743 $4,960 $2,983
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,746 $2,465 $2,174 $1,981
Nationwide $2,125 $2,754 $3,240 $2,443
Progressive $2,442 $3,578 $2,697 $3,082
State Farm $2,008 $2,347 $2,178 $2,178
Travelers $1,753 $2,282 $2,533 $2,193
USAA $2,007 $2,885 $3,953 $2,421

Beardstown, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Beardstown, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,679
American Family $4,960
Farmers $4,452
GEICO $3,482
Liberty Mutual $2,174
Nationwide $3,240
Progressive $2,697
State Farm $2,178
Travelers $2,533
USAA $3,953

Beardstown, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Beardstown, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,059 $5,059
American Family $3,531 $3,625
Farmers $4,205 $4,205
GEICO $2,519 $2,617
Liberty Mutual $2,091 $2,091
Nationwide $2,641 $2,641
Progressive $2,950 $2,950
State Farm $2,123 $2,232
Travelers $2,105 $2,275
USAA $2,737 $2,896

Beardstown, IL Cheapest Car Insurance Rates

How do the top Beardstown, Illinois car insurance companies’ average rates stack up against the Beardstown average monthly car insurance rates of $252? Take a look and see.

Best Annual Car Insurance Rates by Company in Beardstown, Illinois

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

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Beardstown, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Beardstown, Illinois

Insurance Company Average Annual Rates
Allstate $5,059
American Family $3,578
Farmers $4,205
GEICO $2,568
Liberty Mutual $2,091
Nationwide $2,641
Progressive $2,950
State Farm $2,178
Travelers $2,190
USAA $2,816

Other Factors Affecting Beardstown, IL Car Insurance Rates

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

Beardstown, IL Commute Time

How does your Beardstown, IL commute time compare with the average driver? In Beardstown, the average commute is 16.0 minutes.

Beardstown, IL Car Insurance Quotes

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