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 Carthage, IL are $249/month
  • Average car insurance rates in Carthage, IL for senior drivers are $1,734/year
  • The cheapest car insurance company in Carthage after a DUI is State Farm

Average car insurance rates in Carthage, Illinois are $249 a month. But with a little research you can get a great deal from the top car insurance companies in Carthage, IL. Before you buy Carthage, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Carthage, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Carthage, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,654 $3,890 $3,718
Farmers $4,025 $4,120 $4,470
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,940 $2,042 $2,158
Nationwide $2,654 $2,667 $2,629
Progressive $2,963 $3,151 $3,363
State Farm $1,958 $2,053 $2,140
Travelers $2,134 $2,265 $2,403
USAA $2,561 $2,747 $2,942

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carthage, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,367 $2,367 $2,158 $2,158 $6,493 $9,079 $2,367 $3,045
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 $1,293 $1,396 $1,077 $1,202 $4,080 $4,537 $1,354 $1,433
Nationwide $1,706 $1,740 $1,517 $1,611 $4,593 $5,910 $1,976 $2,143
Progressive $1,934 $1,864 $1,593 $1,651 $6,303 $7,104 $2,319 $2,506
State Farm $1,350 $1,350 $1,184 $1,184 $3,555 $4,537 $1,518 $1,727
Travelers $1,489 $1,574 $1,336 $1,427 $4,045 $5,018 $1,583 $1,670
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

Carthage, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Carthage, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,493 $9,079
Farmers $9,413 $9,802
GEICO $4,847 $5,129
Liberty Mutual $4,080 $4,537
Nationwide $4,593 $5,910
Progressive $6,303 $7,104
State Farm $3,555 $4,537
Travelers $4,045 $5,018
USAA $5,289 $5,831

Carthage, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Carthage, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,158 $2,158
Farmers $2,087 $2,196
GEICO $1,521 $1,797
Liberty Mutual $1,077 $1,202
Nationwide $1,517 $1,611
Progressive $1,593 $1,651
State Farm $1,184 $1,184
Travelers $1,336 $1,427
USAA $1,527 $1,507

Carthage, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Carthage, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $5,016 $3,389 $2,858
Farmers $4,800 $4,004 $3,812
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,893 $1,805 $1,442
Nationwide $3,164 $2,550 $2,235
Progressive $3,622 $3,050 $2,805
State Farm $2,982 $1,785 $1,385
Travelers $2,782 $2,212 $1,808
USAA $3,661 $2,516 $2,074

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Carthage, IL Car Insurance Rates by Driver History

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

Annual Carthage, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,759 $3,921 $5,207 $3,132
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,712 $2,409 $2,127 $1,938
Nationwide $2,134 $2,763 $3,250 $2,452
Progressive $2,622 $3,809 $2,892 $3,313
State Farm $1,895 $2,206 $2,051 $2,051
Travelers $1,812 $2,359 $2,631 $2,269
USAA $1,960 $2,818 $3,858 $2,364

Carthage, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Carthage, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,008
American Family $5,207
Farmers $4,452
GEICO $3,482
Liberty Mutual $2,127
Nationwide $3,250
Progressive $2,892
State Farm $2,051
Travelers $2,631
USAA $3,858

Carthage, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Carthage, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,705 $3,803
Farmers $4,205 $4,205
GEICO $2,519 $2,617
Liberty Mutual $2,047 $2,047
Nationwide $2,650 $2,650
Progressive $3,159 $3,159
State Farm $1,999 $2,102
Travelers $2,179 $2,356
USAA $2,673 $2,827

Carthage, IL Cheapest Car Insurance Rates

How do the top Carthage, Illinois car insurance companies’ average rates stack up against the Carthage average monthly car insurance rates of $249? Take a look and see.

Best Annual Car Insurance Rates by Company in Carthage, Illinois

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

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Carthage, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Carthage, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,754
Farmers $4,205
GEICO $2,568
Liberty Mutual $2,047
Nationwide $2,650
Progressive $3,159
State Farm $2,051
Travelers $2,268
USAA $2,750

Other Factors Affecting Carthage, IL Car Insurance Rates

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

Carthage, IL Commute Time

How does your Carthage, IL commute time compare with the average driver? In Carthage, the average commute is 23.6 minutes.

Carthage, IL Car Insurance Quotes

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