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: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Carpentersville, IL are $278/month
  • The cheapest car insurance company in Carpentersville after a DUI is Liberty Mutual
  • Average car insurance rates in Carpentersville, IL for senior drivers are $1,863/year

Average car insurance rates in Carpentersville, Illinois are $278 a month. But with a little research you can get a great deal from the top car insurance companies in Carpentersville, IL. Before you buy Carpentersville, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Carpentersville, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Carpentersville, Illinois

Insurance Company Low Medium High
Allstate $5,297 $5,462 $5,643
American Family $3,511 $3,796 $3,677
Farmers $4,581 $4,714 $5,240
GEICO $2,755 $3,050 $3,368
Liberty Mutual $2,282 $2,416 $2,564
Nationwide $2,091 $2,157 $2,158
Progressive $3,732 $4,047 $4,402
State Farm $2,464 $2,640 $2,803
Travelers $2,424 $2,594 $2,775
USAA $2,279 $2,443 $2,613

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carpentersville, 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 $3,452 $3,468 $3,621 $3,621 $9,105 $11,826 $4,153 $4,490
American Family $2,263 $2,263 $2,076 $2,076 $6,479 $8,948 $2,263 $2,922
Farmers $2,522 $2,524 $2,227 $2,364 $11,369 $11,883 $2,879 $2,995
GEICO $1,789 $1,843 $1,752 $1,975 $6,365 $6,585 $2,037 $2,114
Liberty Mutual $1,448 $1,560 $1,198 $1,340 $5,073 $5,642 $1,512 $1,589
Nationwide $1,387 $1,406 $1,246 $1,311 $3,696 $4,704 $1,606 $1,728
Progressive $2,278 $2,131 $1,883 $1,976 $8,742 $9,799 $2,719 $2,955
State Farm $1,568 $1,568 $1,422 $1,422 $4,986 $6,295 $1,778 $2,045
Travelers $1,593 $1,678 $1,476 $1,571 $4,855 $6,154 $1,683 $1,770
USAA $1,463 $1,482 $1,362 $1,334 $4,722 $5,192 $1,913 $2,093

Carpentersville, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Carpentersville, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,105 $11,826
American Family $6,479 $8,948
Farmers $11,369 $11,883
GEICO $6,365 $6,585
Liberty Mutual $5,073 $5,642
Nationwide $3,696 $4,704
Progressive $8,742 $9,799
State Farm $4,986 $6,295
Travelers $4,855 $6,154
USAA $4,722 $5,192

Carpentersville, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Carpentersville, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,621 $3,621
American Family $2,076 $2,076
Farmers $2,227 $2,364
GEICO $1,752 $1,975
Liberty Mutual $1,198 $1,340
Nationwide $1,246 $1,311
Progressive $1,883 $1,976
State Farm $1,422 $1,422
Travelers $1,476 $1,571
USAA $1,362 $1,334

Carpentersville, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Carpentersville, Illinois

Insurance Company Poor Fair Good
Allstate $6,955 $5,037 $4,409
American Family $4,859 $3,317 $2,808
Farmers $5,483 $4,640 $4,413
GEICO $4,918 $2,393 $1,861
Liberty Mutual $3,417 $2,142 $1,702
Nationwide $2,536 $2,061 $1,810
Progressive $4,606 $3,930 $3,646
State Farm $3,828 $2,296 $1,783
Travelers $3,154 $2,565 $2,073
USAA $3,250 $2,238 $1,847

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Carpentersville, IL Car Insurance Rates by Driver History

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

Annual Carpentersville, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,855 $6,673 $6,218 $5,122
American Family $2,691 $3,826 $5,078 $3,051
Farmers $4,089 $5,287 $5,155 $4,850
GEICO $2,061 $3,313 $4,433 $2,424
Liberty Mutual $2,010 $2,872 $2,514 $2,285
Nationwide $1,741 $2,223 $2,594 $1,984
Progressive $3,331 $5,006 $3,694 $4,211
State Farm $2,391 $2,880 $2,635 $2,635
Travelers $2,060 $2,714 $3,030 $2,586
USAA $1,745 $2,508 $3,423 $2,105

Carpentersville, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Carpentersville, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,218
American Family $5,078
Farmers $5,155
GEICO $4,433
Liberty Mutual $2,514
Nationwide $2,594
Progressive $3,694
State Farm $2,635
Travelers $3,030
USAA $3,423

Carpentersville, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Carpentersville, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,467 $5,467
American Family $3,615 $3,708
Farmers $4,845 $4,845
GEICO $3,005 $3,110
Liberty Mutual $2,420 $2,420
Nationwide $2,136 $2,136
Progressive $4,061 $4,061
State Farm $2,569 $2,702
Travelers $2,495 $2,700
USAA $2,377 $2,513

Carpentersville, IL Cheapest Car Insurance Rates

How do the top Carpentersville, Illinois car insurance companies’ average rates stack up against the Carpentersville average monthly car insurance rates of $278? Take a look and see.

Best Annual Car Insurance Rates by Company in Carpentersville, Illinois

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

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Carpentersville, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Carpentersville, Illinois

Insurance Company Average Annual Rates
Allstate $5,467
American Family $3,662
Farmers $4,845
GEICO $3,058
Liberty Mutual $2,420
Nationwide $2,136
Progressive $4,061
State Farm $2,635
Travelers $2,597
USAA $2,445

Other Factors Affecting Carpentersville, IL Car Insurance Rates

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

Carpentersville, IL Commute Time

How does your Carpentersville, IL commute time compare with the average driver? In Carpentersville, the average commute is 30.5 minutes.

Carpentersville, IL Car Insurance Quotes

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