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 Galesburg for teen drivers is State Farm
  • The cheapest car insurance company in Galesburg after a DUI is State Farm
  • Average car insurance rates in Galesburg, IL for senior drivers are $1,621/year

Average car insurance rates in Galesburg, Illinois are $236 a month. But with a little research you can get a great deal from the top car insurance companies in Galesburg, IL. Before you buy Galesburg, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Galesburg, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Galesburg, Illinois

Insurance Company Low Medium High
Allstate $4,165 $4,291 $4,430
American Family $3,274 $3,518 $3,391
Farmers $3,802 $3,900 $4,273
GEICO $2,184 $2,390 $2,611
Liberty Mutual $1,948 $2,060 $2,186
Nationwide $2,611 $2,626 $2,590
Progressive $2,644 $2,860 $3,096
State Farm $1,896 $2,001 $2,096
Travelers $1,922 $2,036 $2,156
USAA $2,451 $2,636 $2,830

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Galesburg, 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 $2,728 $2,740 $2,854 $2,854 $7,114 $9,249 $3,279 $3,545
American Family $2,115 $2,115 $1,937 $1,937 $5,956 $8,256 $2,115 $2,726
Farmers $2,151 $2,152 $1,909 $2,017 $9,142 $9,529 $2,458 $2,575
GEICO $1,475 $1,501 $1,419 $1,713 $4,613 $4,804 $1,860 $1,777
Liberty Mutual $1,300 $1,404 $1,086 $1,212 $4,130 $4,593 $1,358 $1,434
Nationwide $1,675 $1,707 $1,491 $1,581 $4,540 $5,829 $1,944 $2,105
Progressive $1,653 $1,561 $1,365 $1,424 $6,044 $6,777 $1,971 $2,136
State Farm $1,260 $1,260 $1,123 $1,123 $3,596 $4,556 $1,423 $1,639
Travelers $1,327 $1,400 $1,202 $1,280 $3,658 $4,548 $1,406 $1,480
USAA $1,561 $1,584 $1,456 $1,430 $5,127 $5,643 $2,059 $2,253

Galesburg, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Galesburg, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,114 $9,249
American Family $5,956 $8,256
Farmers $9,142 $9,529
GEICO $4,613 $4,804
Liberty Mutual $4,130 $4,593
Nationwide $4,540 $5,829
Progressive $6,044 $6,777
State Farm $3,596 $4,556
Travelers $3,658 $4,548
USAA $5,127 $5,643

Galesburg, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Galesburg, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,854 $2,854
American Family $1,937 $1,937
Farmers $1,909 $2,017
GEICO $1,419 $1,713
Liberty Mutual $1,086 $1,212
Nationwide $1,491 $1,581
Progressive $1,365 $1,424
State Farm $1,123 $1,123
Travelers $1,202 $1,280
USAA $1,456 $1,430

Galesburg, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Galesburg, Illinois

Insurance Company Poor Fair Good
Allstate $5,470 $3,955 $3,460
American Family $4,513 $3,071 $2,599
Farmers $4,540 $3,810 $3,625
GEICO $3,835 $1,881 $1,469
Liberty Mutual $2,919 $1,821 $1,454
Nationwide $3,113 $2,512 $2,202
Progressive $3,263 $2,772 $2,563
State Farm $2,904 $1,739 $1,349
Travelers $2,493 $1,994 $1,626
USAA $3,506 $2,416 $1,995

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Galesburg, IL Car Insurance Rates by Driver History

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

Annual Galesburg, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,057 $5,225 $4,868 $4,031
American Family $2,492 $3,557 $4,702 $2,827
Farmers $3,371 $4,342 $4,234 $4,019
GEICO $1,745 $2,342 $3,322 $2,172
Liberty Mutual $1,725 $2,432 $2,145 $1,955
Nationwide $2,105 $2,720 $3,196 $2,415
Progressive $2,365 $3,505 $2,616 $2,980
State Farm $1,827 $2,168 $1,998 $1,998
Travelers $1,632 $2,124 $2,358 $2,037
USAA $1,877 $2,709 $3,707 $2,264

Galesburg, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Galesburg, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,868
American Family $4,702
Farmers $4,234
GEICO $3,322
Liberty Mutual $2,145
Nationwide $3,196
Progressive $2,616
State Farm $1,998
Travelers $2,358
USAA $3,707

Galesburg, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Galesburg, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,295 $4,295
American Family $3,351 $3,438
Farmers $3,992 $3,992
GEICO $2,353 $2,437
Liberty Mutual $2,064 $2,064
Nationwide $2,609 $2,609
Progressive $2,866 $2,866
State Farm $1,948 $2,047
Travelers $1,959 $2,116
USAA $2,565 $2,713

Galesburg, IL Cheapest Car Insurance Rates

How do the top Galesburg, Illinois car insurance companies’ average rates stack up against the Galesburg average monthly car insurance rates of $236? Take a look and see.

Best Annual Car Insurance Rates by Company in Galesburg, Illinois

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

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Galesburg, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Galesburg, Illinois

Insurance Company Average Annual Rates
Allstate $4,295
American Family $3,394
Farmers $3,992
GEICO $2,395
Liberty Mutual $2,064
Nationwide $2,609
Progressive $2,866
State Farm $1,998
Travelers $2,038
USAA $2,639

Other Factors Affecting Galesburg, IL Car Insurance Rates

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

Galesburg, IL Commute Time

How does your Galesburg, IL commute time compare with the average driver? In Galesburg, the average commute is 13.8 minutes.

Galesburg, IL Car Insurance Quotes

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