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 Farmington, IL for senior drivers are $1,763/year
  • Average car insurance rates in Farmington, IL are $254/month
  • The cheapest car insurance company in Farmington for teen drivers is State Farm

Average car insurance rates in Farmington, Illinois are $254 a month. But with a little research you can get a great deal from the top car insurance companies in Farmington, IL. Before you buy Farmington, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Farmington, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Farmington, Illinois

Insurance Company Low Medium High
Allstate $4,973 $5,127 $5,295
American Family $3,503 $3,739 $3,582
Farmers $3,996 $4,095 $4,471
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,042 $2,153 $2,278
Nationwide $2,452 $2,476 $2,447
Progressive $2,964 $3,172 $3,402
State Farm $2,072 $2,180 $2,279
Travelers $2,124 $2,247 $2,377
USAA $2,561 $2,747 $2,942

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Farmington, 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 $3,288 $3,303 $3,428 $3,428 $8,414 $10,963 $3,955 $4,275
American Family $2,266 $2,266 $2,069 $2,069 $6,270 $8,739 $2,266 $2,917
Farmers $2,290 $2,293 $2,037 $2,148 $9,492 $9,890 $2,610 $2,739
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,357 $1,465 $1,129 $1,262 $4,321 $4,806 $1,420 $1,502
Nationwide $1,589 $1,620 $1,416 $1,502 $4,249 $5,460 $1,839 $1,992
Progressive $1,910 $1,830 $1,573 $1,635 $6,455 $7,267 $2,287 $2,477
State Farm $1,412 $1,412 $1,246 $1,246 $3,824 $4,873 $1,590 $1,814
Travelers $1,467 $1,549 $1,321 $1,409 $4,037 $5,008 $1,559 $1,643
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

Farmington, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Farmington, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $10,963
American Family $6,270 $8,739
Farmers $9,492 $9,890
GEICO $4,847 $5,129
Liberty Mutual $4,321 $4,806
Nationwide $4,249 $5,460
Progressive $6,455 $7,267
State Farm $3,824 $4,873
Travelers $4,037 $5,008
USAA $5,289 $5,831

Farmington, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Farmington, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,428 $3,428
American Family $2,069 $2,069
Farmers $2,037 $2,148
GEICO $1,521 $1,797
Liberty Mutual $1,129 $1,262
Nationwide $1,416 $1,502
Progressive $1,573 $1,635
State Farm $1,246 $1,246
Travelers $1,321 $1,409
USAA $1,527 $1,507

Farmington, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Farmington, Illinois

Insurance Company Poor Fair Good
Allstate $6,569 $4,709 $4,117
American Family $4,812 $3,260 $2,751
Farmers $4,771 $3,992 $3,799
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,053 $1,902 $1,518
Nationwide $2,932 $2,366 $2,077
Progressive $3,637 $3,071 $2,830
State Farm $3,166 $1,895 $1,470
Travelers $2,754 $2,199 $1,794
USAA $3,661 $2,516 $2,074

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Farmington, IL Car Insurance Rates by Driver History

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

Annual Farmington, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,711 $6,222 $5,762 $4,832
American Family $2,651 $3,773 $5,001 $3,008
Farmers $3,541 $4,550 $4,438 $4,220
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,803 $2,542 $2,243 $2,043
Nationwide $1,984 $2,563 $3,011 $2,276
Progressive $2,633 $3,851 $2,907 $3,326
State Farm $2,005 $2,350 $2,177 $2,177
Travelers $1,798 $2,344 $2,604 $2,250
USAA $1,960 $2,818 $3,858 $2,364

Farmington, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Farmington, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,762
American Family $5,001
Farmers $4,438
GEICO $3,482
Liberty Mutual $2,243
Nationwide $3,011
Progressive $2,907
State Farm $2,177
Travelers $2,604
USAA $3,858

Farmington, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Farmington, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,132 $5,132
American Family $3,561 $3,655
Farmers $4,187 $4,187
GEICO $2,519 $2,617
Liberty Mutual $2,158 $2,158
Nationwide $2,458 $2,458
Progressive $3,179 $3,179
State Farm $2,122 $2,232
Travelers $2,161 $2,337
USAA $2,673 $2,827

Farmington, IL Cheapest Car Insurance Rates

How do the top Farmington, Illinois car insurance companies’ average rates stack up against the Farmington average monthly car insurance rates of $254? Take a look and see.

Best Annual Car Insurance Rates by Company in Farmington, Illinois

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

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Farmington, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Farmington, Illinois

Insurance Company Average Annual Rates
Allstate $5,132
American Family $3,608
Farmers $4,187
GEICO $2,568
Liberty Mutual $2,158
Nationwide $2,458
Progressive $3,179
State Farm $2,177
Travelers $2,249
USAA $2,750

Other Factors Affecting Farmington, IL Car Insurance Rates

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

Farmington, IL Commute Time

How does your Farmington, IL commute time compare with the average driver? In Farmington, the average commute is 25.5 minutes.

Farmington, IL Traffic

Spending time in Farmington traffic can lead to higher car insurance rates. According to INRIX data, Farmington, IL ranks as the 898th-most congested with traffic in the world.

Farmington, IL Car Insurance Quotes

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