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 DeKalb, IL are $258/month
  • The cheapest car insurance company in DeKalb for teen drivers is State Farm
  • Average car insurance rates in DeKalb, IL for senior drivers are $1,770/year

Average car insurance rates in DeKalb, Illinois are $258 a month. But with a little research you can get a great deal from the top car insurance companies in DeKalb, IL. Before you buy DeKalb, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

DeKalb, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in DeKalb, Illinois

Insurance Company Low Medium High
Allstate $5,304 $5,460 $5,630
American Family $3,490 $3,781 $3,669
Farmers $4,106 $4,217 $4,633
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,930 $2,044 $2,171
Nationwide $2,749 $2,820 $2,806
Progressive $2,900 $3,163 $3,459
State Farm $1,982 $2,115 $2,238
Travelers $2,281 $2,446 $2,621
USAA $2,450 $2,605 $2,766

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in DeKalb, 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 $3,458 $3,473 $3,622 $3,622 $9,070 $11,808 $4,162 $4,501
American Family $2,244 $2,244 $2,062 $2,062 $6,484 $8,932 $2,244 $2,901
Farmers $2,292 $2,286 $2,030 $2,152 $10,013 $10,425 $2,620 $2,732
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,263 $1,361 $1,053 $1,176 $4,183 $4,651 $1,316 $1,383
Nationwide $1,783 $1,810 $1,591 $1,681 $4,888 $6,259 $2,077 $2,246
Progressive $1,813 $1,704 $1,498 $1,570 $6,751 $7,565 $2,157 $2,332
State Farm $1,300 $1,300 $1,174 $1,174 $3,874 $4,902 $1,472 $1,696
Travelers $1,516 $1,598 $1,402 $1,492 $4,545 $5,755 $1,601 $1,685
USAA $1,565 $1,596 $1,452 $1,431 $4,980 $5,508 $2,057 $2,266

DeKalb, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in DeKalb, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,070 $11,808
American Family $6,484 $8,932
Farmers $10,013 $10,425
GEICO $4,524 $4,715
Liberty Mutual $4,183 $4,651
Nationwide $4,888 $6,259
Progressive $6,751 $7,565
State Farm $3,874 $4,902
Travelers $4,545 $5,755
USAA $4,980 $5,508

DeKalb, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in DeKalb, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,622 $3,622
American Family $2,062 $2,062
Farmers $2,030 $2,152
GEICO $1,429 $1,724
Liberty Mutual $1,053 $1,176
Nationwide $1,591 $1,681
Progressive $1,498 $1,570
State Farm $1,174 $1,174
Travelers $1,402 $1,492
USAA $1,452 $1,431

DeKalb, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in DeKalb, Illinois

Insurance Company Poor Fair Good
Allstate $6,959 $5,032 $4,403
American Family $4,834 $3,306 $2,800
Farmers $4,901 $4,129 $3,927
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,885 $1,813 $1,447
Nationwide $3,326 $2,691 $2,358
Progressive $3,611 $3,070 $2,840
State Farm $3,066 $1,840 $1,429
Travelers $2,979 $2,414 $1,956
USAA $3,481 $2,381 $1,959

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DeKalb, IL Car Insurance Rates by Driver History

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

Annual DeKalb, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,874 $6,656 $6,202 $5,126
American Family $2,679 $3,810 $5,058 $3,038
Farmers $3,642 $4,706 $4,589 $4,338
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,710 $2,420 $2,126 $1,936
Nationwide $2,255 $2,910 $3,416 $2,586
Progressive $2,613 $3,892 $2,895 $3,295
State Farm $1,919 $2,304 $2,111 $2,111
Travelers $1,944 $2,554 $2,860 $2,439
USAA $1,864 $2,667 $3,650 $2,246

DeKalb, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in DeKalb, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,202
American Family $5,058
Farmers $4,589
GEICO $3,243
Liberty Mutual $2,126
Nationwide $3,416
Progressive $2,895
State Farm $2,111
Travelers $2,860
USAA $3,650

DeKalb, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in DeKalb, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,465 $5,465
American Family $3,600 $3,693
Farmers $4,319 $4,319
GEICO $2,338 $2,425
Liberty Mutual $2,048 $2,048
Nationwide $2,792 $2,792
Progressive $3,174 $3,174
State Farm $2,057 $2,166
Travelers $2,353 $2,546
USAA $2,534 $2,680

DeKalb, IL Cheapest Car Insurance Rates

How do the top DeKalb, Illinois car insurance companies’ average rates stack up against the DeKalb average monthly car insurance rates of $258? Take a look and see.

Best Annual Car Insurance Rates by Company in DeKalb, 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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DeKalb, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in DeKalb, Illinois

Insurance Company Average Annual Rates
Allstate $5,465
American Family $3,646
Farmers $4,319
GEICO $2,382
Liberty Mutual $2,048
Nationwide $2,792
Progressive $3,174
State Farm $2,111
Travelers $2,449
USAA $2,607

Other Factors Affecting DeKalb, IL Car Insurance Rates

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

DeKalb, IL Commute Time

How does your DeKalb, IL commute time compare with the average driver? In DeKalb, the average commute is 21.2 minutes.

DeKalb, IL Car Insurance Quotes

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