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 Cahokia, IL for senior drivers are $2,533/year
  • The cheapest car insurance company in Cahokia after a DUI is State Farm
  • Average car insurance rates in Cahokia, IL are $374/month

Average car insurance rates in Cahokia, Illinois are $374 a month. But with a little research you can get a great deal from the top car insurance companies in Cahokia, IL. Before you buy Cahokia, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Cahokia, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Cahokia, Illinois

Insurance Company Low Medium High
Allstate $5,758 $5,964 $6,191
American Family $4,230 $4,568 $4,422
Farmers $7,614 $7,817 $8,585
GEICO $3,033 $3,317 $3,655
Liberty Mutual $2,887 $3,117 $3,385
Nationwide $5,452 $5,532 $5,472
Progressive $4,524 $5,060 $5,838
State Farm $2,891 $3,078 $3,255
Travelers $2,859 $3,068 $3,288
USAA $3,025 $3,237 $3,457

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cahokia, 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 $3,809 $3,827 $3,983 $3,983 $9,877 $12,783 $4,571 $4,934
American Family $2,734 $2,734 $2,504 $2,504 $7,765 $10,754 $2,734 $3,524
Farmers $4,302 $4,302 $3,820 $4,044 $18,377 $19,127 $4,919 $5,150
GEICO $2,065 $2,087 $1,976 $2,385 $6,385 $6,708 $2,587 $2,485
Liberty Mutual $1,954 $2,116 $1,661 $1,865 $6,340 $7,032 $1,999 $2,072
Nationwide $3,425 $3,490 $3,024 $3,217 $9,752 $12,582 $4,020 $4,372
Progressive $3,065 $2,878 $2,524 $2,697 $10,656 $11,925 $3,597 $3,783
State Farm $1,852 $1,852 $1,667 $1,667 $5,761 $7,282 $2,097 $2,417
Travelers $1,890 $1,995 $1,738 $1,854 $5,728 $7,251 $2,005 $2,113
USAA $1,917 $1,952 $1,782 $1,755 $6,271 $6,917 $2,535 $2,790

Cahokia, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Cahokia, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,877 $12,783
American Family $7,765 $10,754
Farmers $18,377 $19,127
GEICO $6,385 $6,708
Liberty Mutual $6,340 $7,032
Nationwide $9,752 $12,582
Progressive $10,656 $11,925
State Farm $5,761 $7,282
Travelers $5,728 $7,251
USAA $6,271 $6,917

Cahokia, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Cahokia, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,983 $3,983
American Family $2,504 $2,504
Farmers $3,820 $4,044
GEICO $1,976 $2,385
Liberty Mutual $1,661 $1,865
Nationwide $3,024 $3,217
Progressive $2,524 $2,697
State Farm $1,667 $1,667
Travelers $1,738 $1,854
USAA $1,782 $1,755

Cahokia, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Cahokia, Illinois

Insurance Company Poor Fair Good
Allstate $7,611 $5,492 $4,810
American Family $5,857 $3,989 $3,374
Farmers $9,118 $7,636 $7,262
GEICO $5,374 $2,607 $2,024
Liberty Mutual $4,454 $2,755 $2,180
Nationwide $6,582 $5,277 $4,597
Progressive $5,920 $4,953 $4,550
State Farm $4,468 $2,678 $2,078
Travelers $3,739 $3,026 $2,450
USAA $4,317 $2,963 $2,440

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Cahokia, IL Car Insurance Rates by Driver History

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

Annual Cahokia, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,255 $7,274 $6,750 $5,604
American Family $3,247 $4,577 $6,121 $3,681
Farmers $6,753 $8,710 $8,495 $8,062
GEICO $2,426 $3,301 $4,568 $3,044
Liberty Mutual $2,593 $3,717 $3,249 $2,961
Nationwide $4,378 $5,729 $6,773 $5,060
Progressive $4,230 $6,259 $4,708 $5,365
State Farm $2,798 $3,351 $3,075 $3,075
Travelers $2,429 $3,203 $3,594 $3,061
USAA $2,301 $3,320 $4,559 $2,780

Cahokia, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Cahokia, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,750
American Family $6,121
Farmers $8,495
GEICO $4,568
Liberty Mutual $3,249
Nationwide $6,773
Progressive $4,708
State Farm $3,075
Travelers $3,594
USAA $4,559

Cahokia, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Cahokia, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,971 $5,971
American Family $4,350 $4,463
Farmers $8,005 $8,005
GEICO $3,269 $3,400
Liberty Mutual $3,130 $3,130
Nationwide $5,485 $5,485
Progressive $5,141 $5,141
State Farm $2,998 $3,151
Travelers $2,950 $3,194
USAA $3,149 $3,331

Cahokia, IL Cheapest Car Insurance Rates

How do the top Cahokia, Illinois car insurance companies’ average rates stack up against the Cahokia average monthly car insurance rates of $374? Take a look and see.

Best Annual Car Insurance Rates by Company in Cahokia, Illinois

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

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Cahokia, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Cahokia, Illinois

Insurance Company Average Annual Rates
Allstate $5,971
American Family $4,407
Farmers $8,005
GEICO $3,335
Liberty Mutual $3,130
Nationwide $5,485
Progressive $5,141
State Farm $3,075
Travelers $3,072
USAA $3,240

Other Factors Affecting Cahokia, IL Car Insurance Rates

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

Cahokia, IL Commute Time

How does your Cahokia, IL commute time compare with the average driver? In Cahokia, the average commute is 23.2 minutes.

Cahokia, IL Car Insurance Quotes

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