Affordable Car Insurance Rates in Jacksonville, IL (2021)
Car insurance rates in Jacksonville, IL are $250/month on average. By law, Illinois drivers need to carry at least 25/50/20 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Jacksonville car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- The cheapest car insurance company in Jacksonville for teen drivers is State Farm
- Average car insurance rates in Jacksonville, IL are $250/month
- The cheapest car insurance company in Jacksonville after a DUI is State Farm
Average car insurance rates in Jacksonville, Illinois are $250 a month. But with a little research you can get a great deal from the top car insurance companies in Jacksonville, IL. Before you buy Jacksonville, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.
It may even be helpful to compare Jacksonville car insurance rates with Chicago car insurance rates, Elgin car insurance rates, or Aurora car insurance rates to make sure you’re getting the best Jacksonville, IL car insurance quotes available.
Need affordable Jacksonville, IL car insurance? Enter your ZIP code to compare Jacksonville car insurance quotes from multiple car insurance companies near you.
Table of Contents
Jacksonville, IL Minimum Car Insurance Coverage
Jacksonville, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.
| 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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Jacksonville, IL Car Insurance Rates by Coverage Level
Some Jacksonville drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Jacksonville, Illinois car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,928 | $5,055 | $5,194 |
| American Family | $3,487 | $3,708 | $3,540 |
| Farmers | $3,923 | $4,020 | $4,393 |
| GEICO | $2,377 | $2,564 | $2,762 |
| Liberty Mutual | $1,918 | $2,020 | $2,136 |
| Nationwide | $2,646 | $2,657 | $2,619 |
| Progressive | $2,857 | $3,064 | $3,293 |
| State Farm | $1,947 | $2,058 | $2,159 |
| Travelers | $1,939 | $2,056 | $2,180 |
| USAA | $2,632 | $2,814 | $3,004 |
Jacksonville, IL Car Insurance Rates by Age, Gender, and Marital Status
Jacksonville, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Jacksonville, IL car insurance, get quotes from multiple car insurance companies in the Jacksonville area and see how these criteria affect your rates.
| 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 | $3,259 | $3,274 | $3,383 | $3,383 | $8,257 | $10,766 | $3,916 | $4,232 |
| American Family | $2,262 | $2,262 | $2,060 | $2,060 | $6,169 | $8,642 | $2,262 | $2,908 |
| Farmers | $2,240 | $2,244 | $1,992 | $2,100 | $9,342 | $9,742 | $2,555 | $2,682 |
| GEICO | $1,621 | $1,622 | $1,521 | $1,797 | $4,847 | $5,129 | $2,028 | $1,979 |
| Liberty Mutual | $1,273 | $1,373 | $1,061 | $1,183 | $4,057 | $4,510 | $1,332 | $1,407 |
| Nationwide | $1,704 | $1,739 | $1,515 | $1,610 | $4,566 | $5,881 | $1,972 | $2,139 |
| Progressive | $1,778 | $1,685 | $1,464 | $1,529 | $6,441 | $7,232 | $2,127 | $2,315 |
| State Farm | $1,310 | $1,310 | $1,164 | $1,164 | $3,661 | $4,656 | $1,479 | $1,692 |
| Travelers | $1,333 | $1,405 | $1,210 | $1,289 | $3,710 | $4,622 | $1,411 | $1,486 |
| USAA | $1,677 | $1,708 | $1,559 | $1,537 | $5,422 | $5,984 | $2,212 | $2,433 |
Jacksonville, IL Car Insurance Rates for Teens
How much is Jacksonville, Illinois car insurance for teens? Compare rates from top Jacksonville car insurance companies below to help find the cheapest teen car insurance in Jacksonville, IL.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,257 | $10,766 |
| American Family | $6,169 | $8,642 |
| Farmers | $9,342 | $9,742 |
| GEICO | $4,847 | $5,129 |
| Liberty Mutual | $4,057 | $4,510 |
| Nationwide | $4,566 | $5,881 |
| Progressive | $6,441 | $7,232 |
| State Farm | $3,661 | $4,656 |
| Travelers | $3,710 | $4,622 |
| USAA | $5,422 | $5,984 |
Jacksonville, IL Car Insurance Rates for Seniors
Before seniors buy Jacksonville, Illinois car insurance, they should make sure to shop around. Some Jacksonville, IL car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,383 | $3,383 |
| American Family | $2,060 | $2,060 |
| Farmers | $1,992 | $2,100 |
| GEICO | $1,521 | $1,797 |
| Liberty Mutual | $1,061 | $1,183 |
| Nationwide | $1,515 | $1,610 |
| Progressive | $1,464 | $1,529 |
| State Farm | $1,164 | $1,164 |
| Travelers | $1,210 | $1,289 |
| USAA | $1,559 | $1,537 |
Jacksonville, IL Car Insurance Rates by Credit History
How does your credit history affect Jacksonville, IL car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,472 | $4,648 | $4,056 |
| American Family | $4,785 | $3,228 | $2,721 |
| Farmers | $4,682 | $3,922 | $3,733 |
| GEICO | $4,119 | $2,014 | $1,571 |
| Liberty Mutual | $2,860 | $1,786 | $1,427 |
| Nationwide | $3,154 | $2,540 | $2,228 |
| Progressive | $3,500 | $2,969 | $2,745 |
| State Farm | $2,987 | $1,789 | $1,387 |
| Travelers | $2,516 | $2,017 | $1,643 |
| USAA | $3,753 | $2,575 | $2,121 |
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Jacksonville, IL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Jacksonville, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Jacksonville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,694 | $6,093 | $5,679 | $4,770 |
| American Family | $2,627 | $3,743 | $4,960 | $2,983 |
| Farmers | $3,477 | $4,470 | $4,359 | $4,143 |
| GEICO | $1,896 | $2,518 | $3,482 | $2,376 |
| Liberty Mutual | $1,693 | $2,385 | $2,104 | $1,917 |
| Nationwide | $2,125 | $2,754 | $3,240 | $2,443 |
| Progressive | $2,534 | $3,752 | $2,801 | $3,198 |
| State Farm | $1,884 | $2,225 | $2,055 | $2,055 |
| Travelers | $1,647 | $2,145 | $2,384 | $2,057 |
| USAA | $2,007 | $2,885 | $3,953 | $2,421 |
Jacksonville, IL Car Insurance Rates With a DUI
Even a single DUI can increase your Jacksonville, IL car insurance rates. Compare rates below to see which Jacksonville car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,679 |
| American Family | $4,960 |
| Farmers | $4,359 |
| GEICO | $3,482 |
| Liberty Mutual | $2,104 |
| Nationwide | $3,240 |
| Progressive | $2,801 |
| State Farm | $2,055 |
| Travelers | $2,384 |
| USAA | $3,953 |
Jacksonville, IL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Jacksonville, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Jacksonville companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,059 | $5,059 |
| American Family | $3,531 | $3,625 |
| Farmers | $4,112 | $4,112 |
| GEICO | $2,519 | $2,617 |
| Liberty Mutual | $2,025 | $2,025 |
| Nationwide | $2,641 | $2,641 |
| Progressive | $3,071 | $3,071 |
| State Farm | $2,002 | $2,107 |
| Travelers | $1,979 | $2,138 |
| USAA | $2,737 | $2,896 |
Jacksonville, IL Cheapest Car Insurance Rates
How do the top Jacksonville, Illinois car insurance companies’ average rates stack up against the Jacksonville average monthly car insurance rates of $250? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | Liberty Mutual |
| Clean Record | Travelers |
| With 1 Accident | Travelers |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Liberty Mutual |
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Jacksonville, IL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Jacksonville, Illinois car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,059 |
| American Family | $3,578 |
| Farmers | $4,112 |
| GEICO | $2,568 |
| Liberty Mutual | $2,025 |
| Nationwide | $2,641 |
| Progressive | $3,071 |
| State Farm | $2,055 |
| Travelers | $2,058 |
| USAA | $2,816 |
Other Factors Affecting Jacksonville, IL Car Insurance Rates
Before you buy Jacksonville, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Jacksonville, IL Commute Time
How does your Jacksonville, IL commute time compare with the average driver? In Jacksonville, the average commute is 16.6 minutes.
Jacksonville, IL Traffic
Spending time in Jacksonville traffic can lead to higher car insurance rates. According to INRIX data, Jacksonville, IL ranks as the 295th-most congested with traffic in the world.
Jacksonville, IL Car Insurance Quotes
Compare Jacksonville, IL car insurance quotes from multiple companies by entering your ZIP code now.