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: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Highland after a DUI is State Farm
  • Average car insurance rates in Highland, IL for senior drivers are $1,893/year
  • The cheapest car insurance company in Highland for teen drivers is State Farm

Average car insurance rates in Highland, Illinois are $277 a month. But with a little research you can get a great deal from the top car insurance companies in Highland, IL. Before you buy Highland, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Highland, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Highland, Illinois

Insurance Company Low Medium High
Allstate $4,814 $4,969 $5,141
American Family $3,801 $4,101 $3,964
Farmers $4,287 $4,409 $4,865
GEICO $2,566 $2,833 $3,134
Liberty Mutual $2,146 $2,267 $2,402
Nationwide $3,470 $3,512 $3,468
Progressive $3,237 $3,565 $3,966
State Farm $2,089 $2,219 $2,339
Travelers $2,243 $2,382 $2,530
USAA $2,778 $2,970 $3,170

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Highland, 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 $3,168 $3,182 $3,313 $3,313 $8,222 $10,682 $3,805 $4,111
American Family $2,459 $2,459 $2,251 $2,251 $6,951 $9,645 $2,459 $3,170
Farmers $2,415 $2,414 $2,142 $2,272 $10,435 $10,863 $2,751 $2,866
GEICO $1,727 $1,757 $1,670 $2,030 $5,565 $5,775 $2,170 $2,061
Liberty Mutual $1,391 $1,501 $1,157 $1,292 $4,664 $5,184 $1,454 $1,533
Nationwide $2,204 $2,244 $1,955 $2,075 $6,133 $7,891 $2,573 $2,792
Progressive $2,090 $1,968 $1,722 $1,816 $7,535 $8,450 $2,476 $2,657
State Farm $1,380 $1,380 $1,239 $1,239 $4,028 $5,099 $1,561 $1,798
Travelers $1,515 $1,598 $1,381 $1,472 $4,360 $5,454 $1,607 $1,692
USAA $1,773 $1,810 $1,647 $1,629 $5,700 $6,299 $2,341 $2,584

Highland, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Highland, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,222 $10,682
American Family $6,951 $9,645
Farmers $10,435 $10,863
GEICO $5,565 $5,775
Liberty Mutual $4,664 $5,184
Nationwide $6,133 $7,891
Progressive $7,535 $8,450
State Farm $4,028 $5,099
Travelers $4,360 $5,454
USAA $5,700 $6,299

Highland, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Highland, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,313 $3,313
American Family $2,251 $2,251
Farmers $2,142 $2,272
GEICO $1,670 $2,030
Liberty Mutual $1,157 $1,292
Nationwide $1,955 $2,075
Progressive $1,722 $1,816
State Farm $1,239 $1,239
Travelers $1,381 $1,472
USAA $1,647 $1,629

Highland, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Highland, Illinois

Insurance Company Poor Fair Good
Allstate $6,335 $4,579 $4,009
American Family $5,263 $3,578 $3,025
Farmers $5,139 $4,316 $4,105
GEICO $4,571 $2,228 $1,734
Liberty Mutual $3,212 $2,007 $1,597
Nationwide $4,164 $3,354 $2,932
Progressive $4,101 $3,468 $3,199
State Farm $3,218 $1,930 $1,499
Travelers $2,910 $2,342 $1,903
USAA $3,965 $2,717 $2,236

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Highland, IL Car Insurance Rates by Driver History

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

Annual Highland, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,548 $6,050 $5,630 $4,671
American Family $2,909 $4,123 $5,491 $3,300
Farmers $3,816 $4,923 $4,802 $4,538
GEICO $2,044 $2,834 $3,948 $2,551
Liberty Mutual $1,891 $2,687 $2,361 $2,148
Nationwide $2,796 $3,635 $4,284 $3,219
Progressive $2,956 $4,386 $3,279 $3,736
State Farm $2,020 $2,411 $2,216 $2,216
Travelers $1,900 $2,488 $2,769 $2,382
USAA $2,119 $3,043 $4,175 $2,556

Highland, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Highland, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,630
American Family $5,491
Farmers $4,802
GEICO $3,948
Liberty Mutual $2,361
Nationwide $4,284
Progressive $3,279
State Farm $2,216
Travelers $2,769
USAA $4,175

Highland, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Highland, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,975 $4,975
American Family $3,905 $4,006
Farmers $4,520 $4,520
GEICO $2,792 $2,897
Liberty Mutual $2,272 $2,272
Nationwide $3,483 $3,483
Progressive $3,589 $3,589
State Farm $2,160 $2,272
Travelers $2,292 $2,478
USAA $2,889 $3,057

Highland, IL Cheapest Car Insurance Rates

How do the top Highland, Illinois car insurance companies’ average rates stack up against the Highland average monthly car insurance rates of $277? Take a look and see.

Best Annual Car Insurance Rates by Company in Highland, Illinois

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

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Highland, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Highland, Illinois

Insurance Company Average Annual Rates
Allstate $4,975
American Family $3,955
Farmers $4,520
GEICO $2,844
Liberty Mutual $2,272
Nationwide $3,483
Progressive $3,589
State Farm $2,216
Travelers $2,385
USAA $2,973

Other Factors Affecting Highland, IL Car Insurance Rates

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

Highland, IL Commute Time

How does your Highland, IL commute time compare with the average driver? In Highland, the average commute is 31.1 minutes.

Highland, IL Car Insurance Quotes

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