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 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.

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.

Minimum Required Car Insurance Coverage in Jacksonville, 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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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.

Annual Car Insurance Rates by Coverage Level in Jacksonville, Illinois

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jacksonville, 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 $3,259 $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.

Annual Car Insurance Rates for Teen Drivers in Jacksonville, Illinois

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.

Annual Car Insurance Rates for Senior Drivers in Jacksonville, Illinois

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.

Annual Car Insurance Rates by Credit Score in Jacksonville, Illinois

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.

Annual Jacksonville, Illinois Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Jacksonville, Illinois

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.

Annual Car Insurance Rates by Commute Length in Jacksonville, Illinois

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.

Best Annual Car Insurance Rates by Company in Jacksonville, Illinois

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.

Average Annual Car Insurance Rates by Company in Jacksonville, Illinois

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.