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 McHenry after a DUI is State Farm
  • The cheapest car insurance company in McHenry for teen drivers is State Farm
  • Average car insurance rates in McHenry, IL are $271/month

Average car insurance rates in McHenry, Illinois are $271 a month. But with a little research you can get a great deal from the top car insurance companies in McHenry, IL. Before you buy McHenry, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

McHenry, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in McHenry, Illinois

Insurance Company Low Medium High
Allstate $5,213 $5,383 $5,569
American Family $3,600 $3,904 $3,793
Farmers $4,415 $4,541 $5,033
GEICO $2,364 $2,613 $2,866
Liberty Mutual $2,144 $2,271 $2,411
Nationwide $2,579 $2,652 $2,645
Progressive $3,355 $3,712 $4,102
State Farm $2,134 $2,285 $2,423
Travelers $2,414 $2,603 $2,804
USAA $2,367 $2,543 $2,726

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in McHenry, 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 $3,406 $3,422 $3,571 $3,571 $8,978 $11,639 $4,094 $4,424
American Family $2,314 $2,314 $2,127 $2,127 $6,705 $9,232 $2,314 $2,992
Farmers $2,437 $2,436 $2,153 $2,285 $10,916 $11,397 $2,784 $2,898
GEICO $1,508 $1,549 $1,474 $1,647 $5,498 $5,672 $1,752 $1,814
Liberty Mutual $1,367 $1,473 $1,134 $1,267 $4,752 $5,284 $1,427 $1,500
Nationwide $1,685 $1,709 $1,507 $1,589 $4,585 $5,855 $1,959 $2,115
Progressive $2,093 $1,951 $1,741 $1,821 $8,030 $8,991 $2,485 $2,673
State Farm $1,365 $1,365 $1,234 $1,234 $4,296 $5,430 $1,546 $1,776
Travelers $1,593 $1,680 $1,481 $1,577 $4,870 $6,206 $1,681 $1,769
USAA $1,516 $1,539 $1,413 $1,388 $4,920 $5,414 $1,991 $2,181

McHenry, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in McHenry, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,978 $11,639
American Family $6,705 $9,232
Farmers $10,916 $11,397
GEICO $5,498 $5,672
Liberty Mutual $4,752 $5,284
Nationwide $4,585 $5,855
Progressive $8,030 $8,991
State Farm $4,296 $5,430
Travelers $4,870 $6,206
USAA $4,920 $5,414

McHenry, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in McHenry, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,571 $3,571
American Family $2,127 $2,127
Farmers $2,153 $2,285
GEICO $1,474 $1,647
Liberty Mutual $1,134 $1,267
Nationwide $1,507 $1,589
Progressive $1,741 $1,821
State Farm $1,234 $1,234
Travelers $1,481 $1,577
USAA $1,413 $1,388

McHenry, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in McHenry, Illinois

Insurance Company Poor Fair Good
Allstate $6,853 $4,965 $4,346
American Family $4,991 $3,414 $2,892
Farmers $5,281 $4,464 $4,245
GEICO $4,192 $2,051 $1,599
Liberty Mutual $3,209 $2,015 $1,602
Nationwide $3,126 $2,532 $2,218
Progressive $4,217 $3,607 $3,344
State Farm $3,313 $1,987 $1,542
Travelers $3,167 $2,573 $2,082
USAA $3,383 $2,330 $1,923

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McHenry, IL Car Insurance Rates by Driver History

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

Annual McHenry, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,797 $6,579 $6,129 $5,047
American Family $2,768 $3,930 $5,226 $3,138
Farmers $3,934 $5,087 $4,960 $4,672
GEICO $1,750 $2,820 $3,833 $2,053
Liberty Mutual $1,892 $2,698 $2,363 $2,149
Nationwide $2,128 $2,736 $3,204 $2,435
Progressive $3,055 $4,589 $3,394 $3,853
State Farm $2,072 $2,489 $2,281 $2,281
Travelers $2,064 $2,718 $3,055 $2,592
USAA $1,814 $2,611 $3,568 $2,188

McHenry, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in McHenry, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,129
American Family $5,226
Farmers $4,960
GEICO $3,833
Liberty Mutual $2,363
Nationwide $3,204
Progressive $3,394
State Farm $2,281
Travelers $3,055
USAA $3,568

McHenry, IL Car Insurance Rates by ZIP Code

Just like McHenry car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how McHenry, IL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in McHenry, Illinois

ZIP Code Average Annual Rates
60050 $3,231
60051 $3,258

McHenry, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in McHenry, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,388 $5,388
American Family $3,718 $3,813
Farmers $4,663 $4,663
GEICO $2,571 $2,658
Liberty Mutual $2,275 $2,275
Nationwide $2,626 $2,626
Progressive $3,723 $3,723
State Farm $2,223 $2,339
Travelers $2,504 $2,710
USAA $2,474 $2,616

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McHenry, IL Cheapest Car Insurance Rates

How do the top McHenry, Illinois car insurance companies’ average rates stack up against the McHenry average monthly car insurance rates of $271? Take a look and see.

Best Annual Car Insurance Rates by Company in McHenry, Illinois

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

McHenry, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in McHenry, Illinois

Insurance Company Average Annual Rates
Allstate $5,388
American Family $3,766
Farmers $4,663
GEICO $2,614
Liberty Mutual $2,275
Nationwide $2,626
Progressive $3,723
State Farm $2,281
Travelers $2,607
USAA $2,545

Other Factors Affecting McHenry, IL Car Insurance Rates

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

McHenry, IL Commute Time

How does your McHenry, IL commute time compare with the average driver? In McHenry, the average commute is 32.5 minutes.

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McHenry, IL Car Insurance Quotes

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