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 Fulton, IL for senior drivers are $1,644/year
  • The cheapest car insurance company in Fulton after a DUI is State Farm
  • Average car insurance rates in Fulton, IL are $238/month

Average car insurance rates in Fulton, Illinois are $238 a month. But with a little research you can get a great deal from the top car insurance companies in Fulton, IL. Before you buy Fulton, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Fulton, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Fulton, Illinois

Insurance Company Low Medium High
Allstate $4,551 $4,676 $4,813
American Family $3,484 $3,736 $3,593
Farmers $3,770 $3,863 $4,211
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,897 $2,000 $2,115
Nationwide $1,977 $2,004 $1,987
Progressive $2,688 $2,912 $3,169
State Farm $1,976 $2,079 $2,174
Travelers $2,256 $2,410 $2,573
USAA $2,344 $2,513 $2,692

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fulton, 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 $2,974 $2,987 $3,108 $3,108 $7,732 $10,082 $3,579 $3,870
American Family $2,245 $2,245 $2,055 $2,055 $6,324 $8,770 $2,245 $2,896
Farmers $2,142 $2,140 $1,904 $2,010 $9,002 $9,370 $2,449 $2,569
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,255 $1,353 $1,049 $1,168 $4,034 $4,480 $1,311 $1,384
Nationwide $1,310 $1,335 $1,172 $1,242 $3,382 $4,341 $1,504 $1,627
Progressive $1,711 $1,621 $1,410 $1,474 $6,093 $6,837 $2,037 $2,200
State Farm $1,327 $1,327 $1,177 $1,177 $3,694 $4,689 $1,498 $1,719
Travelers $1,501 $1,581 $1,384 $1,473 $4,467 $5,641 $1,586 $1,669
USAA $1,498 $1,521 $1,395 $1,371 $4,862 $5,356 $1,970 $2,159

Fulton, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Fulton, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,732 $10,082
American Family $6,324 $8,770
Farmers $9,002 $9,370
GEICO $4,524 $4,715
Liberty Mutual $4,034 $4,480
Nationwide $3,382 $4,341
Progressive $6,093 $6,837
State Farm $3,694 $4,689
Travelers $4,467 $5,641
USAA $4,862 $5,356

Fulton, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Fulton, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,108 $3,108
American Family $2,055 $2,055
Farmers $1,904 $2,010
GEICO $1,429 $1,724
Liberty Mutual $1,049 $1,168
Nationwide $1,172 $1,242
Progressive $1,410 $1,474
State Farm $1,177 $1,177
Travelers $1,384 $1,473
USAA $1,395 $1,371

Fulton, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Fulton, Illinois

Insurance Company Poor Fair Good
Allstate $5,965 $4,308 $3,767
American Family $4,795 $3,261 $2,757
Farmers $4,494 $3,767 $3,584
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,830 $1,769 $1,413
Nationwide $2,366 $1,914 $1,687
Progressive $3,337 $2,825 $2,607
State Farm $3,019 $1,808 $1,402
Travelers $2,935 $2,378 $1,926
USAA $3,347 $2,303 $1,900

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Fulton, IL Car Insurance Rates by Driver History

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

Annual Fulton, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,344 $5,681 $5,298 $4,396
American Family $2,647 $3,768 $4,998 $3,004
Farmers $3,333 $4,293 $4,186 $3,980
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,674 $2,363 $2,083 $1,898
Nationwide $1,612 $2,072 $2,427 $1,845
Progressive $2,415 $3,562 $2,671 $3,044
State Farm $1,905 $2,247 $2,076 $2,076
Travelers $1,918 $2,519 $2,810 $2,404
USAA $1,794 $2,581 $3,528 $2,162

Fulton, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Fulton, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,298
American Family $4,998
Farmers $4,186
GEICO $3,243
Liberty Mutual $2,083
Nationwide $2,427
Progressive $2,671
State Farm $2,076
Travelers $2,810
USAA $3,528

Fulton, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Fulton, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,680 $4,680
American Family $3,558 $3,651
Farmers $3,948 $3,948
GEICO $2,338 $2,425
Liberty Mutual $2,004 $2,004
Nationwide $1,989 $1,989
Progressive $2,923 $2,923
State Farm $2,024 $2,128
Travelers $2,318 $2,508
USAA $2,446 $2,587

Fulton, IL Cheapest Car Insurance Rates

How do the top Fulton, Illinois car insurance companies’ average rates stack up against the Fulton average monthly car insurance rates of $238? Take a look and see.

Best Annual Car Insurance Rates by Company in Fulton, Illinois

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

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Fulton, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Fulton, Illinois

Insurance Company Average Annual Rates
Allstate $4,680
American Family $3,604
Farmers $3,948
GEICO $2,382
Liberty Mutual $2,004
Nationwide $1,989
Progressive $2,923
State Farm $2,076
Travelers $2,413
USAA $2,516

Other Factors Affecting Fulton, IL Car Insurance Rates

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

Fulton, IL Commute Time

How does your Fulton, IL commute time compare with the average driver? In Fulton, the average commute is 17.5 minutes.

Fulton, IL Car Insurance Quotes

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