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 Cary, IL are $269/month
  • The cheapest car insurance company in Cary after a DUI is Liberty Mutual
  • Average car insurance rates in Cary, IL for senior drivers are $1,802/year

Average car insurance rates in Cary, Illinois are $269 a month. But with a little research you can get a great deal from the top car insurance companies in Cary, IL. Before you buy Cary, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Cary, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Cary, Illinois

Insurance Company Low Medium High
Allstate $5,214 $5,383 $5,567
American Family $3,490 $3,781 $3,669
Farmers $4,390 $4,514 $4,997
GEICO $2,364 $2,613 $2,866
Liberty Mutual $2,171 $2,294 $2,429
Nationwide $2,372 $2,454 $2,456
Progressive $3,140 $3,409 $3,723
State Farm $2,428 $2,588 $2,730
Travelers $2,355 $2,528 $2,711
USAA $2,493 $2,676 $2,867

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cary, 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 $3,405 $3,421 $3,571 $3,571 $8,979 $11,643 $4,094 $4,424
American Family $2,244 $2,244 $2,062 $2,062 $6,484 $8,932 $2,244 $2,901
Farmers $2,426 $2,424 $2,144 $2,275 $10,836 $11,310 $2,772 $2,886
GEICO $1,508 $1,549 $1,474 $1,647 $5,498 $5,672 $1,752 $1,814
Liberty Mutual $1,368 $1,472 $1,133 $1,264 $4,842 $5,380 $1,428 $1,498
Nationwide $1,564 $1,583 $1,403 $1,476 $4,232 $5,388 $1,817 $1,957
Progressive $1,936 $1,810 $1,606 $1,681 $7,350 $8,221 $2,305 $2,484
State Farm $1,533 $1,533 $1,386 $1,386 $4,893 $6,178 $1,739 $2,009
Travelers $1,551 $1,635 $1,440 $1,533 $4,728 $6,006 $1,638 $1,722
USAA $1,590 $1,612 $1,481 $1,453 $5,197 $5,718 $2,091 $2,289

Cary, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Cary, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,979 $11,643
American Family $6,484 $8,932
Farmers $10,836 $11,310
GEICO $5,498 $5,672
Liberty Mutual $4,842 $5,380
Nationwide $4,232 $5,388
Progressive $7,350 $8,221
State Farm $4,893 $6,178
Travelers $4,728 $6,006
USAA $5,197 $5,718

Cary, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Cary, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,571 $3,571
American Family $2,062 $2,062
Farmers $2,144 $2,275
GEICO $1,474 $1,647
Liberty Mutual $1,133 $1,264
Nationwide $1,403 $1,476
Progressive $1,606 $1,681
State Farm $1,386 $1,386
Travelers $1,440 $1,533
USAA $1,481 $1,453

Cary, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Cary, Illinois

Insurance Company Poor Fair Good
Allstate $6,854 $4,965 $4,346
American Family $4,834 $3,306 $2,800
Farmers $5,248 $4,435 $4,218
GEICO $4,192 $2,051 $1,599
Liberty Mutual $3,237 $2,038 $1,620
Nationwide $2,886 $2,343 $2,053
Progressive $3,888 $3,313 $3,071
State Farm $3,757 $2,247 $1,742
Travelers $3,073 $2,500 $2,021
USAA $3,561 $2,452 $2,023

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Cary, IL Car Insurance Rates by Driver History

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

Annual Cary, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,797 $6,579 $6,130 $5,047
American Family $2,679 $3,810 $5,058 $3,038
Farmers $3,909 $5,054 $4,928 $4,644
GEICO $1,750 $2,820 $3,833 $2,053
Liberty Mutual $1,909 $2,728 $2,386 $2,169
Nationwide $1,974 $2,528 $2,954 $2,254
Progressive $2,814 $4,213 $3,121 $3,549
State Farm $2,342 $2,822 $2,582 $2,582
Travelers $2,007 $2,643 $2,958 $2,518
USAA $1,906 $2,749 $3,760 $2,300

Cary, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Cary, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,130
American Family $5,058
Farmers $4,928
GEICO $3,833
Liberty Mutual $2,386
Nationwide $2,954
Progressive $3,121
State Farm $2,582
Travelers $2,958
USAA $3,760

Cary, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Cary, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,388 $5,388
American Family $3,600 $3,693
Farmers $4,634 $4,634
GEICO $2,571 $2,658
Liberty Mutual $2,298 $2,298
Nationwide $2,427 $2,427
Progressive $3,424 $3,424
State Farm $2,517 $2,647
Travelers $2,432 $2,631
USAA $2,604 $2,754

Cary, IL Cheapest Car Insurance Rates

How do the top Cary, Illinois car insurance companies’ average rates stack up against the Cary average monthly car insurance rates of $269? Take a look and see.

Best Annual Car Insurance Rates by Company in Cary, Illinois

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

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Cary, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Cary, Illinois

Insurance Company Average Annual Rates
Allstate $5,388
American Family $3,646
Farmers $4,634
GEICO $2,614
Liberty Mutual $2,298
Nationwide $2,427
Progressive $3,424
State Farm $2,582
Travelers $2,532
USAA $2,679

Other Factors Affecting Cary, IL Car Insurance Rates

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

Cary, IL Commute Time

How does your Cary, IL commute time compare with the average driver? In Cary, the average commute is 32.8 minutes.

Cary, IL Car Insurance Quotes

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