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

  • The cheapest car insurance company in Eureka for teen drivers is State Farm
  • Average car insurance rates in Eureka, IL are $246/month
  • Average car insurance rates in Eureka, IL for senior drivers are $1,696/year

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

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

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

Eureka, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Eureka, Illinois

Insurance Company Low Medium High
Allstate $4,596 $4,740 $4,898
American Family $3,539 $3,801 $3,661
Farmers $3,850 $3,949 $4,324
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,954 $2,064 $2,187
Nationwide $2,426 $2,463 $2,439
Progressive $2,905 $3,135 $3,390
State Farm $1,849 $1,958 $2,057
Travelers $2,074 $2,206 $2,344
USAA $2,560 $2,725 $2,900

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Eureka, 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 $3,041 $3,056 $3,169 $3,169 $7,795 $10,128 $3,653 $3,946
American Family $2,287 $2,287 $2,092 $2,092 $6,420 $8,919 $2,287 $2,948
Farmers $2,177 $2,177 $1,933 $2,042 $9,259 $9,648 $2,487 $2,603
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,271 $1,370 $1,056 $1,179 $4,234 $4,709 $1,328 $1,399
Nationwide $1,577 $1,606 $1,407 $1,490 $4,229 $5,428 $1,827 $1,978
Progressive $1,822 $1,725 $1,501 $1,569 $6,591 $7,401 $2,175 $2,363
State Farm $1,231 $1,231 $1,100 $1,100 $3,519 $4,465 $1,392 $1,598
Travelers $1,415 $1,492 $1,288 $1,372 $4,007 $5,011 $1,499 $1,577
USAA $1,646 $1,691 $1,528 $1,521 $5,146 $5,708 $2,172 $2,413

Eureka, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Eureka, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,795 $10,128
American Family $6,420 $8,919
Farmers $9,259 $9,648
GEICO $4,847 $5,129
Liberty Mutual $4,234 $4,709
Nationwide $4,229 $5,428
Progressive $6,591 $7,401
State Farm $3,519 $4,465
Travelers $4,007 $5,011
USAA $5,146 $5,708

Eureka, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Eureka, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,169 $3,169
American Family $2,092 $2,092
Farmers $1,933 $2,042
GEICO $1,521 $1,797
Liberty Mutual $1,056 $1,179
Nationwide $1,407 $1,490
Progressive $1,501 $1,569
State Farm $1,100 $1,100
Travelers $1,288 $1,372
USAA $1,528 $1,521

Eureka, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Eureka, Illinois

Insurance Company Poor Fair Good
Allstate $6,064 $4,359 $3,811
American Family $4,882 $3,316 $2,802
Farmers $4,594 $3,858 $3,670
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,916 $1,830 $1,460
Nationwide $2,910 $2,352 $2,066
Progressive $3,583 $3,039 $2,808
State Farm $2,841 $1,702 $1,320
Travelers $2,696 $2,165 $1,762
USAA $3,649 $2,490 $2,046

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Eureka, IL Car Insurance Rates by Driver History

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

Annual Eureka, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,424 $5,751 $5,340 $4,464
American Family $2,694 $3,831 $5,085 $3,056
Farmers $3,413 $4,397 $4,287 $4,067
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,726 $2,444 $2,148 $1,955
Nationwide $1,973 $2,546 $2,990 $2,262
Progressive $2,593 $3,840 $2,868 $3,273
State Farm $1,787 $2,122 $1,954 $1,954
Travelers $1,762 $2,301 $2,563 $2,204
USAA $1,955 $2,785 $3,820 $2,352

Eureka, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Eureka, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,340
American Family $5,085
Farmers $4,287
GEICO $3,482
Liberty Mutual $2,148
Nationwide $2,990
Progressive $2,868
State Farm $1,954
Travelers $2,563
USAA $3,820

Eureka, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Eureka, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,745 $4,745
American Family $3,619 $3,714
Farmers $4,041 $4,041
GEICO $2,519 $2,617
Liberty Mutual $2,068 $2,068
Nationwide $2,443 $2,443
Progressive $3,143 $3,143
State Farm $1,905 $2,004
Travelers $2,122 $2,293
USAA $2,651 $2,805

Eureka, IL Cheapest Car Insurance Rates

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

Best Annual Car Insurance Rates by Company in Eureka, Illinois

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

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Eureka, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Eureka, Illinois

Insurance Company Average Annual Rates
Allstate $4,745
American Family $3,667
Farmers $4,041
GEICO $2,568
Liberty Mutual $2,068
Nationwide $2,443
Progressive $3,143
State Farm $1,954
Travelers $2,208
USAA $2,728

Other Factors Affecting Eureka, IL Car Insurance Rates

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

Eureka, IL Commute Time

How does your Eureka, IL commute time compare with the average driver? In Eureka, the average commute is 16.6 minutes.

Eureka, IL Car Insurance Quotes

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