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 Mounds for teen drivers is State Farm
  • Average car insurance rates in Mounds, IL are $287/month
  • The cheapest car insurance company in Mounds after a DUI is State Farm

Average car insurance rates in Mounds, Illinois are $287 a month. But with a little research you can get a great deal from the top car insurance companies in Mounds, IL. Before you buy Mounds, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Mounds, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Mounds, Illinois

Insurance Company Low Medium High
Allstate $5,423 $5,576 $5,744
American Family $3,810 $4,076 $3,912
Farmers $4,376 $4,480 $4,885
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,095 $2,213 $2,345
Nationwide $4,215 $4,278 $4,224
Progressive $3,250 $3,544 $3,902
State Farm $2,129 $2,243 $2,355
Travelers $2,155 $2,284 $2,421
USAA $2,621 $2,812 $3,010

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mounds, 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 $3,598 $3,615 $3,738 $3,738 $9,095 $11,864 $4,326 $4,675
American Family $2,469 $2,469 $2,252 $2,252 $6,830 $9,541 $2,469 $3,178
Farmers $2,536 $2,547 $2,258 $2,373 $10,279 $10,739 $2,882 $3,031
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,406 $1,521 $1,169 $1,308 $4,400 $4,901 $1,474 $1,562
Nationwide $2,672 $2,723 $2,362 $2,514 $7,470 $9,649 $3,123 $3,399
Progressive $2,199 $2,111 $1,811 $1,892 $7,099 $7,997 $2,615 $2,796
State Farm $1,464 $1,464 $1,292 $1,292 $3,915 $4,988 $1,647 $1,875
Travelers $1,497 $1,581 $1,345 $1,435 $4,090 $5,077 $1,591 $1,677
USAA $1,666 $1,690 $1,551 $1,522 $5,467 $6,018 $2,195 $2,404

Mounds, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Mounds, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,095 $11,864
American Family $6,830 $9,541
Farmers $10,279 $10,739
GEICO $5,690 $6,014
Liberty Mutual $4,400 $4,901
Nationwide $7,470 $9,649
Progressive $7,099 $7,997
State Farm $3,915 $4,988
Travelers $4,090 $5,077
USAA $5,467 $6,018

Mounds, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Mounds, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,738 $3,738
American Family $2,252 $2,252
Farmers $2,258 $2,373
GEICO $1,757 $2,095
Liberty Mutual $1,169 $1,308
Nationwide $2,362 $2,514
Progressive $1,811 $1,892
State Farm $1,292 $1,292
Travelers $1,345 $1,435
USAA $1,551 $1,522

Mounds, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Mounds, Illinois

Insurance Company Poor Fair Good
Allstate $7,156 $5,118 $4,469
American Family $5,252 $3,551 $2,995
Farmers $5,222 $4,364 $4,156
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,143 $1,952 $1,558
Nationwide $5,077 $4,077 $3,564
Progressive $4,099 $3,440 $3,157
State Farm $3,254 $1,954 $1,519
Travelers $2,803 $2,233 $1,824
USAA $3,742 $2,576 $2,125

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Mounds, IL Car Insurance Rates by Driver History

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

Annual Mounds, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,081 $6,735 $6,243 $5,265
American Family $2,890 $4,100 $5,460 $3,281
Farmers $3,883 $4,972 $4,849 $4,617
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,856 $2,610 $2,305 $2,100
Nationwide $3,385 $4,427 $5,233 $3,910
Progressive $2,956 $4,295 $3,270 $3,740
State Farm $2,067 $2,417 $2,242 $2,242
Travelers $1,827 $2,381 $2,652 $2,287
USAA $2,000 $2,887 $3,954 $2,415

Mounds, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Mounds, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,243
American Family $5,460
Farmers $4,849
GEICO $4,060
Liberty Mutual $2,305
Nationwide $5,233
Progressive $3,270
State Farm $2,242
Travelers $2,652
USAA $3,954

Mounds, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Mounds, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,581 $5,581
American Family $3,881 $3,984
Farmers $4,580 $4,580
GEICO $2,920 $3,043
Liberty Mutual $2,218 $2,218
Nationwide $4,239 $4,239
Progressive $3,565 $3,565
State Farm $2,186 $2,298
Travelers $2,198 $2,376
USAA $2,735 $2,893

Mounds, IL Cheapest Car Insurance Rates

How do the top Mounds, Illinois car insurance companies’ average rates stack up against the Mounds average monthly car insurance rates of $287? Take a look and see.

Best Annual Car Insurance Rates by Company in Mounds, 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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Mounds, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Mounds, Illinois

Insurance Company Average Annual Rates
Allstate $5,581
American Family $3,933
Farmers $4,580
GEICO $2,982
Liberty Mutual $2,218
Nationwide $4,239
Progressive $3,565
State Farm $2,242
Travelers $2,287
USAA $2,814

Other Factors Affecting Mounds, IL Car Insurance Rates

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

Mounds, IL Commute Time

How does your Mounds, IL commute time compare with the average driver? In Mounds, the average commute is 30.2 minutes.

Mounds, IL Car Insurance Quotes

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