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 Island Lake, IL are $279/month
  • Average car insurance rates in Island Lake, IL for senior drivers are $1,864/year
  • The cheapest car insurance company in Island Lake for teen drivers is Nationwide

Average car insurance rates in Island Lake, Illinois are $279 a month. But with a little research you can get a great deal from the top car insurance companies in Island Lake, IL. Before you buy Island Lake, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Island Lake car insurance rates with Cicero car insurance rates, Springfield car insurance rates, or Elgin car insurance rates to make sure you’re getting the best Island Lake, IL car insurance quotes available.

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

Island Lake, IL Minimum Car Insurance Coverage

Island Lake, 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 Island Lake, 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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Island Lake, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Island Lake, Illinois

Insurance Company Low Medium High
Allstate $5,171 $5,334 $5,512
American Family $3,490 $3,781 $3,669
Farmers $4,667 $4,802 $5,330
GEICO $2,894 $3,180 $3,456
Liberty Mutual $2,335 $2,472 $2,624
Nationwide $2,579 $2,652 $2,645
Progressive $3,083 $3,382 $3,724
State Farm $2,464 $2,623 $2,764
Travelers $2,393 $2,580 $2,778
USAA $2,493 $2,676 $2,867

Island Lake, IL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Island Lake, 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 $3,367 $3,382 $3,533 $3,533 $8,908 $11,561 $4,050 $4,378
American Family $2,244 $2,244 $2,062 $2,062 $6,484 $8,932 $2,244 $2,901
Farmers $2,570 $2,571 $2,270 $2,409 $11,569 $12,088 $2,935 $3,052
GEICO $1,799 $1,856 $1,755 $1,970 $6,746 $6,990 $2,109 $2,191
Liberty Mutual $1,467 $1,581 $1,209 $1,353 $5,228 $5,820 $1,536 $1,619
Nationwide $1,685 $1,709 $1,507 $1,589 $4,585 $5,855 $1,959 $2,115
Progressive $1,925 $1,801 $1,592 $1,671 $7,277 $8,150 $2,286 $2,468
State Farm $1,555 $1,555 $1,405 $1,405 $4,955 $6,255 $1,765 $2,041
Travelers $1,577 $1,662 $1,467 $1,562 $4,830 $6,155 $1,664 $1,750
USAA $1,590 $1,612 $1,481 $1,453 $5,197 $5,718 $2,091 $2,289

Island Lake, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Island Lake, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,908 $11,561
American Family $6,484 $8,932
Farmers $11,569 $12,088
GEICO $6,746 $6,990
Liberty Mutual $5,228 $5,820
Nationwide $4,585 $5,855
Progressive $7,277 $8,150
State Farm $4,955 $6,255
Travelers $4,830 $6,155
USAA $5,197 $5,718

Island Lake, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Island Lake, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,533 $3,533
American Family $2,062 $2,062
Farmers $2,270 $2,409
GEICO $1,755 $1,970
Liberty Mutual $1,209 $1,353
Nationwide $1,507 $1,589
Progressive $1,592 $1,671
State Farm $1,405 $1,405
Travelers $1,467 $1,562
USAA $1,481 $1,453

Island Lake, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Island Lake, Illinois

Insurance Company Poor Fair Good
Allstate $6,787 $4,922 $4,309
American Family $4,834 $3,306 $2,800
Farmers $5,582 $4,724 $4,493
GEICO $5,113 $2,485 $1,932
Liberty Mutual $3,499 $2,192 $1,739
Nationwide $3,126 $2,532 $2,218
Progressive $3,860 $3,286 $3,042
State Farm $3,808 $2,278 $1,765
Travelers $3,137 $2,551 $2,062
USAA $3,561 $2,452 $2,023

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Island Lake, IL Car Insurance Rates by Driver History

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

Annual Island Lake, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,753 $6,522 $6,082 $4,999
American Family $2,679 $3,810 $5,058 $3,038
Farmers $4,163 $5,383 $5,248 $4,938
GEICO $2,113 $3,426 $4,690 $2,478
Liberty Mutual $2,055 $2,942 $2,573 $2,337
Nationwide $2,128 $2,736 $3,204 $2,435
Progressive $2,792 $4,175 $3,097 $3,522
State Farm $2,375 $2,859 $2,617 $2,617
Travelers $2,045 $2,694 $3,026 $2,569
USAA $1,906 $2,749 $3,760 $2,300

Island Lake, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Island Lake, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,082
American Family $5,058
Farmers $5,248
GEICO $4,690
Liberty Mutual $2,573
Nationwide $3,204
Progressive $3,097
State Farm $2,617
Travelers $3,026
USAA $3,760

Island Lake, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Island Lake, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,339 $5,339
American Family $3,600 $3,693
Farmers $4,933 $4,933
GEICO $3,125 $3,229
Liberty Mutual $2,477 $2,477
Nationwide $2,626 $2,626
Progressive $3,396 $3,396
State Farm $2,552 $2,682
Travelers $2,482 $2,685
USAA $2,604 $2,754

Island Lake, IL Cheapest Car Insurance Rates

How do the top Island Lake, Illinois car insurance companies’ average rates stack up against the Island Lake average monthly car insurance rates of $279? Take a look and see.

Best Annual Car Insurance Rates by Company in Island Lake, Illinois

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

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Island Lake, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Island Lake, Illinois

Insurance Company Average Annual Rates
Allstate $5,339
American Family $3,646
Farmers $4,933
GEICO $3,177
Liberty Mutual $2,477
Nationwide $2,626
Progressive $3,396
State Farm $2,617
Travelers $2,584
USAA $2,679

Other Factors Affecting Island Lake, IL Car Insurance Rates

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

Island Lake, IL Commute Time

How does your Island Lake, IL commute time compare with the average driver? In Island Lake, the average commute is 35.2 minutes.

Island Lake, IL Car Insurance Quotes

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