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 Carbondale, IL are $283/month
  • The cheapest car insurance company in Carbondale for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Carbondale after a DUI is Liberty Mutual

Average car insurance rates in Carbondale, Illinois are $283 a month. But with a little research you can get a great deal from the top car insurance companies in Carbondale, IL. Before you buy Carbondale, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Carbondale, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Carbondale, Illinois

Insurance Company Low Medium High
Allstate $4,632 $4,788 $4,959
American Family $3,715 $4,000 $3,861
Farmers $4,439 $4,558 $5,016
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,115 $2,242 $2,384
Nationwide $4,242 $4,299 $4,240
Progressive $2,993 $3,296 $3,660
State Farm $2,320 $2,473 $2,619
Travelers $2,366 $2,527 $2,698
USAA $2,621 $2,812 $3,010

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carbondale, 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 $3,073 $3,089 $3,204 $3,204 $7,885 $10,220 $3,690 $3,984
American Family $2,399 $2,399 $2,196 $2,196 $6,780 $9,405 $2,399 $3,094
Farmers $2,510 $2,515 $2,227 $2,354 $10,724 $11,193 $2,858 $2,987
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,398 $1,511 $1,161 $1,300 $4,539 $5,057 $1,462 $1,544
Nationwide $2,685 $2,737 $2,373 $2,527 $7,506 $9,697 $3,139 $3,416
Progressive $1,960 $1,855 $1,618 $1,698 $6,874 $7,715 $2,323 $2,488
State Farm $1,553 $1,553 $1,391 $1,391 $4,453 $5,661 $1,756 $2,007
Travelers $1,623 $1,715 $1,469 $1,569 $4,584 $5,745 $1,723 $1,817
USAA $1,666 $1,690 $1,551 $1,522 $5,467 $6,018 $2,195 $2,404

Carbondale, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Carbondale, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,885 $10,220
American Family $6,780 $9,405
Farmers $10,724 $11,193
GEICO $5,690 $6,014
Liberty Mutual $4,539 $5,057
Nationwide $7,506 $9,697
Progressive $6,874 $7,715
State Farm $4,453 $5,661
Travelers $4,584 $5,745
USAA $5,467 $6,018

Carbondale, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Carbondale, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,204 $3,204
American Family $2,196 $2,196
Farmers $2,227 $2,354
GEICO $1,757 $2,095
Liberty Mutual $1,161 $1,300
Nationwide $2,373 $2,527
Progressive $1,618 $1,698
State Farm $1,391 $1,391
Travelers $1,469 $1,569
USAA $1,551 $1,522

Carbondale, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Carbondale, Illinois

Insurance Company Poor Fair Good
Allstate $6,127 $4,402 $3,851
American Family $5,134 $3,491 $2,952
Farmers $5,307 $4,460 $4,245
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,179 $1,981 $1,580
Nationwide $5,102 $4,097 $3,581
Progressive $3,794 $3,204 $2,951
State Farm $3,590 $2,152 $1,670
Travelers $3,096 $2,478 $2,018
USAA $3,742 $2,576 $2,125

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Carbondale, IL Car Insurance Rates by Driver History

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

Annual Carbondale, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,452 $5,819 $5,395 $4,508
American Family $2,837 $4,025 $5,355 $3,218
Farmers $3,950 $5,084 $4,958 $4,692
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,876 $2,651 $2,334 $2,125
Nationwide $3,401 $4,449 $5,260 $3,930
Progressive $2,738 $4,036 $3,035 $3,457
State Farm $2,257 $2,684 $2,471 $2,471
Travelers $2,013 $2,633 $2,950 $2,526
USAA $2,000 $2,887 $3,954 $2,415

Carbondale, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Carbondale, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,395
American Family $5,355
Farmers $4,958
GEICO $4,060
Liberty Mutual $2,334
Nationwide $5,260
Progressive $3,035
State Farm $2,471
Travelers $2,950
USAA $3,954

Carbondale, IL Car Insurance Rates by ZIP Code

Just like Carbondale car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Carbondale, IL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Carbondale, Illinois

ZIP Code Average Annual Rates
62901 $3,362
62902 $3,327
62903 $3,336

Carbondale, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Carbondale, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,793 $4,793
American Family $3,809 $3,908
Farmers $4,671 $4,671
GEICO $2,920 $3,043
Liberty Mutual $2,247 $2,247
Nationwide $4,260 $4,260
Progressive $3,316 $3,316
State Farm $2,407 $2,535
Travelers $2,431 $2,630
USAA $2,735 $2,893

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Carbondale, IL Cheapest Car Insurance Rates

How do the top Carbondale, Illinois car insurance companies’ average rates stack up against the Carbondale average monthly car insurance rates of $283? Take a look and see.

Best Annual Car Insurance Rates by Company in Carbondale, Illinois

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

Carbondale, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Carbondale, Illinois

Insurance Company Average Annual Rates
Allstate $4,793
American Family $3,859
Farmers $4,671
GEICO $2,982
Liberty Mutual $2,247
Nationwide $4,260
Progressive $3,316
State Farm $2,471
Travelers $2,531
USAA $2,814

Other Factors Affecting Carbondale, IL Car Insurance Rates

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

Carbondale, IL Commute Time

How does your Carbondale, IL commute time compare with the average driver? In Carbondale, the average commute is 15.0 minutes.

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Carbondale, IL Car Insurance Quotes

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