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 Milan for teen drivers is Travelers
  • Average car insurance rates in Milan, IL for senior drivers are $1,687/year
  • The cheapest car insurance company in Milan after a DUI is Liberty Mutual

Average car insurance rates in Milan, Illinois are $247 a month. But with a little research you can get a great deal from the top car insurance companies in Milan, IL. Before you buy Milan, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Milan, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Milan, Illinois

Insurance Company Low Medium High
Allstate $4,356 $4,490 $4,638
American Family $3,274 $3,518 $3,391
Farmers $3,875 $3,978 $4,359
GEICO $2,297 $2,519 $2,750
Liberty Mutual $2,007 $2,125 $2,255
Nationwide $2,204 $2,267 $2,260
Progressive $3,318 $3,603 $3,918
State Farm $2,112 $2,250 $2,372
Travelers $2,027 $2,146 $2,271
USAA $2,639 $2,789 $2,941

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Milan, 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 $2,888 $2,902 $3,006 $3,006 $7,364 $9,575 $3,469 $3,747
American Family $2,115 $2,115 $1,937 $1,937 $5,956 $8,256 $2,115 $2,726
Farmers $2,201 $2,199 $1,956 $2,069 $9,318 $9,693 $2,508 $2,621
GEICO $1,520 $1,553 $1,472 $1,778 $4,955 $5,156 $1,917 $1,824
Liberty Mutual $1,292 $1,392 $1,074 $1,199 $4,408 $4,901 $1,349 $1,416
Nationwide $1,451 $1,473 $1,298 $1,371 $3,888 $4,972 $1,681 $1,816
Progressive $2,087 $1,970 $1,727 $1,802 $7,604 $8,533 $2,490 $2,691
State Farm $1,380 $1,380 $1,244 $1,244 $4,122 $5,220 $1,564 $1,804
Travelers $1,376 $1,450 $1,254 $1,335 $3,903 $4,876 $1,457 $1,533
USAA $1,657 $1,676 $1,532 $1,491 $5,424 $5,987 $2,175 $2,374

Milan, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Milan, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,364 $9,575
American Family $5,956 $8,256
Farmers $9,318 $9,693
GEICO $4,955 $5,156
Liberty Mutual $4,408 $4,901
Nationwide $3,888 $4,972
Progressive $7,604 $8,533
State Farm $4,122 $5,220
Travelers $3,903 $4,876
USAA $5,424 $5,987

Milan, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Milan, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,006 $3,006
American Family $1,937 $1,937
Farmers $1,956 $2,069
GEICO $1,472 $1,778
Liberty Mutual $1,074 $1,199
Nationwide $1,298 $1,371
Progressive $1,727 $1,802
State Farm $1,244 $1,244
Travelers $1,254 $1,335
USAA $1,532 $1,491

Milan, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Milan, Illinois

Insurance Company Poor Fair Good
Allstate $5,750 $4,127 $3,607
American Family $4,513 $3,071 $2,599
Farmers $4,633 $3,884 $3,695
GEICO $4,043 $1,979 $1,544
Liberty Mutual $2,998 $1,886 $1,503
Nationwide $2,666 $2,164 $1,902
Progressive $4,109 $3,495 $3,234
State Farm $3,265 $1,954 $1,515
Travelers $2,620 $2,110 $1,714
USAA $3,724 $2,549 $2,096

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Milan, IL Car Insurance Rates by Driver History

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

Annual Milan, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,258 $5,440 $5,049 $4,232
American Family $2,492 $3,557 $4,702 $2,827
Farmers $3,438 $4,430 $4,320 $4,095
GEICO $1,819 $2,439 $3,573 $2,257
Liberty Mutual $1,774 $2,521 $2,210 $2,011
Nationwide $1,819 $2,338 $2,738 $2,081
Progressive $2,975 $4,423 $3,296 $3,757
State Farm $2,041 $2,449 $2,245 $2,245
Travelers $1,717 $2,244 $2,486 $2,145
USAA $1,987 $2,859 $3,914 $2,399

Milan, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Milan, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,049
American Family $4,702
Farmers $4,320
GEICO $3,573
Liberty Mutual $2,210
Nationwide $2,738
Progressive $3,296
State Farm $2,245
Travelers $2,486
USAA $3,914

Milan, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Milan, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,495 $4,495
American Family $3,351 $3,438
Farmers $4,071 $4,071
GEICO $2,479 $2,565
Liberty Mutual $2,129 $2,129
Nationwide $2,244 $2,244
Progressive $3,613 $3,613
State Farm $2,187 $2,303
Travelers $2,065 $2,232
USAA $2,712 $2,868

Milan, IL Cheapest Car Insurance Rates

How do the top Milan, Illinois car insurance companies’ average rates stack up against the Milan average monthly car insurance rates of $247? Take a look and see.

Best Annual Car Insurance Rates by Company in Milan, Illinois

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

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Milan, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Milan, Illinois

Insurance Company Average Annual Rates
Allstate $4,495
American Family $3,394
Farmers $4,071
GEICO $2,522
Liberty Mutual $2,129
Nationwide $2,244
Progressive $3,613
State Farm $2,245
Travelers $2,148
USAA $2,790

Other Factors Affecting Milan, IL Car Insurance Rates

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

Milan, IL Commute Time

How does your Milan, IL commute time compare with the average driver? In Milan, the average commute is 20.6 minutes.

Milan, IL Traffic

Spending time in Milan traffic can lead to higher car insurance rates. According to INRIX data, Milan, IL ranks as the 92nd-most congested with traffic in the world.

Milan, IL Car Insurance Quotes

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