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 Freeport, IL for senior drivers are $1,710/year
  • The cheapest car insurance company in Freeport after a DUI is State Farm
  • Average car insurance rates in Freeport, IL are $249/month

Average car insurance rates in Freeport, Illinois are $249 a month. But with a little research you can get a great deal from the top car insurance companies in Freeport, IL. Before you buy Freeport, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Freeport, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Freeport, Illinois

Insurance Company Low Medium High
Allstate $4,902 $5,043 $5,197
American Family $3,443 $3,716 $3,593
Farmers $3,999 $4,104 $4,512
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,032 $2,143 $2,268
Nationwide $2,276 $2,311 $2,292
Progressive $2,921 $3,198 $3,508
State Farm $2,000 $2,109 $2,207
Travelers $2,203 $2,346 $2,497
USAA $2,344 $2,513 $2,692

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Freeport, 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 $3,209 $3,224 $3,354 $3,354 $8,342 $10,860 $3,860 $4,174
American Family $2,217 $2,217 $2,034 $2,034 $6,337 $8,753 $2,217 $2,863
Farmers $2,257 $2,259 $2,003 $2,118 $9,660 $10,073 $2,576 $2,696
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,330 $1,434 $1,107 $1,235 $4,367 $4,853 $1,390 $1,467
Nationwide $1,487 $1,513 $1,329 $1,405 $3,961 $5,072 $1,719 $1,858
Progressive $1,850 $1,744 $1,525 $1,599 $6,774 $7,602 $2,200 $2,381
State Farm $1,331 $1,331 $1,185 $1,185 $3,782 $4,793 $1,504 $1,732
Travelers $1,490 $1,572 $1,361 $1,450 $4,294 $5,382 $1,579 $1,663
USAA $1,498 $1,521 $1,395 $1,371 $4,862 $5,356 $1,970 $2,159

Freeport, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Freeport, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,342 $10,860
American Family $6,337 $8,753
Farmers $9,660 $10,073
GEICO $4,524 $4,715
Liberty Mutual $4,367 $4,853
Nationwide $3,961 $5,072
Progressive $6,774 $7,602
State Farm $3,782 $4,793
Travelers $4,294 $5,382
USAA $4,862 $5,356

Freeport, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Freeport, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,354 $3,354
American Family $2,034 $2,034
Farmers $2,003 $2,118
GEICO $1,429 $1,724
Liberty Mutual $1,107 $1,235
Nationwide $1,329 $1,405
Progressive $1,525 $1,599
State Farm $1,185 $1,185
Travelers $1,361 $1,450
USAA $1,395 $1,371

Freeport, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Freeport, Illinois

Insurance Company Poor Fair Good
Allstate $6,434 $4,645 $4,062
American Family $4,757 $3,246 $2,749
Farmers $4,781 $4,015 $3,820
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,035 $1,897 $1,512
Nationwide $2,730 $2,209 $1,940
Progressive $3,656 $3,104 $2,868
State Farm $3,062 $1,833 $1,422
Travelers $2,866 $2,307 $1,874
USAA $3,347 $2,303 $1,900

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Freeport, IL Car Insurance Rates by Driver History

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

Annual Freeport, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,605 $6,130 $5,712 $4,740
American Family $2,633 $3,748 $4,970 $2,986
Farmers $3,552 $4,576 $4,463 $4,229
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,791 $2,536 $2,232 $2,032
Nationwide $1,857 $2,389 $2,800 $2,126
Progressive $2,644 $3,927 $2,929 $3,337
State Farm $1,927 $2,284 $2,105 $2,105
Travelers $1,871 $2,449 $2,731 $2,345
USAA $1,794 $2,581 $3,528 $2,162

Freeport, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Freeport, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,712
American Family $4,970
Farmers $4,463
GEICO $3,243
Liberty Mutual $2,232
Nationwide $2,800
Progressive $2,929
State Farm $2,105
Travelers $2,731
USAA $3,528

Freeport, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Freeport, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,047 $5,047
American Family $3,538 $3,630
Farmers $4,205 $4,205
GEICO $2,338 $2,425
Liberty Mutual $2,148 $2,148
Nationwide $2,293 $2,293
Progressive $3,209 $3,209
State Farm $2,053 $2,158
Travelers $2,257 $2,441
USAA $2,446 $2,587

Freeport, IL Cheapest Car Insurance Rates

How do the top Freeport, Illinois car insurance companies’ average rates stack up against the Freeport average monthly car insurance rates of $249? Take a look and see.

Best Annual Car Insurance Rates by Company in Freeport, Illinois

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

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Freeport, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Freeport, Illinois

Insurance Company Average Annual Rates
Allstate $5,047
American Family $3,584
Farmers $4,205
GEICO $2,382
Liberty Mutual $2,148
Nationwide $2,293
Progressive $3,209
State Farm $2,105
Travelers $2,349
USAA $2,516

Other Factors Affecting Freeport, IL Car Insurance Rates

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

Freeport, IL Commute Time

How does your Freeport, IL commute time compare with the average driver? In Freeport, the average commute is 19.7 minutes.

Freeport, IL Car Insurance Quotes

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