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 Dixon, IL are $246/month
  • The cheapest car insurance company in Dixon for teen drivers is State Farm
  • Average car insurance rates in Dixon, IL for senior drivers are $1,697/year

Average car insurance rates in Dixon, Illinois are $246 a month. But with a little research you can get a great deal from the top car insurance companies in Dixon, IL. Before you buy Dixon, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Dixon, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Dixon, Illinois

Insurance Company Low Medium High
Allstate $5,031 $5,204 $5,392
American Family $3,482 $3,757 $3,633
Farmers $3,982 $4,087 $4,494
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,093 $2,206 $2,332
Nationwide $2,160 $2,189 $2,169
Progressive $2,527 $2,749 $3,010
State Farm $1,879 $1,986 $2,085
Travelers $2,107 $2,255 $2,411
USAA $2,521 $2,697 $2,882

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dixon, 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 $3,312 $3,328 $3,467 $3,467 $8,622 $11,191 $3,983 $4,303
American Family $2,247 $2,247 $2,059 $2,059 $6,391 $8,844 $2,247 $2,899
Farmers $2,236 $2,237 $1,982 $2,096 $9,653 $10,069 $2,555 $2,673
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,362 $1,468 $1,132 $1,263 $4,513 $5,016 $1,425 $1,503
Nationwide $1,416 $1,441 $1,265 $1,339 $3,735 $4,789 $1,633 $1,767
Progressive $1,607 $1,518 $1,324 $1,389 $5,794 $6,493 $1,910 $2,059
State Farm $1,249 $1,249 $1,115 $1,115 $3,573 $4,529 $1,412 $1,625
Travelers $1,436 $1,515 $1,313 $1,399 $4,112 $5,169 $1,519 $1,600
USAA $1,618 $1,654 $1,505 $1,491 $5,149 $5,691 $2,133 $2,356

Dixon, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Dixon, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,622 $11,191
American Family $6,391 $8,844
Farmers $9,653 $10,069
GEICO $4,524 $4,715
Liberty Mutual $4,513 $5,016
Nationwide $3,735 $4,789
Progressive $5,794 $6,493
State Farm $3,573 $4,529
Travelers $4,112 $5,169
USAA $5,149 $5,691

Dixon, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Dixon, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,467 $3,467
American Family $2,059 $2,059
Farmers $1,982 $2,096
GEICO $1,429 $1,724
Liberty Mutual $1,132 $1,263
Nationwide $1,265 $1,339
Progressive $1,324 $1,389
State Farm $1,115 $1,115
Travelers $1,313 $1,399
USAA $1,505 $1,491

Dixon, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Dixon, Illinois

Insurance Company Poor Fair Good
Allstate $6,648 $4,787 $4,191
American Family $4,815 $3,281 $2,776
Farmers $4,757 $4,001 $3,806
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,123 $1,952 $1,555
Nationwide $2,586 $2,093 $1,840
Progressive $3,155 $2,669 $2,462
State Farm $2,884 $1,727 $1,340
Travelers $2,756 $2,215 $1,802
USAA $3,600 $2,467 $2,031

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Dixon, IL Car Insurance Rates by Driver History

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

Annual Dixon, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,707 $6,352 $5,886 $4,890
American Family $2,662 $3,788 $5,026 $3,020
Farmers $3,536 $4,559 $4,446 $4,210
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,842 $2,612 $2,297 $2,090
Nationwide $1,760 $2,264 $2,654 $2,014
Progressive $2,281 $3,369 $2,524 $2,873
State Farm $1,813 $2,154 $1,983 $1,983
Travelers $1,798 $2,349 $2,632 $2,252
USAA $1,929 $2,762 $3,784 $2,324

Dixon, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Dixon, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,886
American Family $5,026
Farmers $4,446
GEICO $3,243
Liberty Mutual $2,297
Nationwide $2,654
Progressive $2,524
State Farm $1,983
Travelers $2,632
USAA $3,784

Dixon, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Dixon, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,209 $5,209
American Family $3,578 $3,670
Farmers $4,188 $4,188
GEICO $2,338 $2,425
Liberty Mutual $2,210 $2,210
Nationwide $2,173 $2,173
Progressive $2,762 $2,762
State Farm $1,934 $2,033
Travelers $2,170 $2,346
USAA $2,624 $2,776

Dixon, IL Cheapest Car Insurance Rates

How do the top Dixon, Illinois car insurance companies’ average rates stack up against the Dixon average monthly car insurance rates of $246? Take a look and see.

Best Annual Car Insurance Rates by Company in Dixon, Illinois

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

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Dixon, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Dixon, Illinois

Insurance Company Average Annual Rates
Allstate $5,209
American Family $3,624
Farmers $4,188
GEICO $2,382
Liberty Mutual $2,210
Nationwide $2,173
Progressive $2,762
State Farm $1,983
Travelers $2,258
USAA $2,700

Other Factors Affecting Dixon, IL Car Insurance Rates

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

Dixon, IL Commute Time

How does your Dixon, IL commute time compare with the average driver? In Dixon, the average commute is 17.4 minutes.

Dixon, IL Car Insurance Quotes

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