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 Mount Morris for teen drivers is State Farm
  • The cheapest car insurance company in Mount Morris after a DUI is State Farm
  • Average car insurance rates in Mount Morris, IL are $249/month

Average car insurance rates in Mount Morris, Illinois are $249 a month. But with a little research you can get a great deal from the top car insurance companies in Mount Morris, IL. Before you buy Mount Morris, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Mount Morris, IL Minimum Car Insurance Coverage

Mount Morris, 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 Mount Morris, 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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Mount Morris, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Mount Morris, Illinois

Insurance Company Low Medium High
Allstate $4,902 $5,043 $5,197
American Family $3,443 $3,716 $3,593
Farmers $3,932 $4,034 $4,413
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,186 $2,298 $2,423
Nationwide $2,276 $2,311 $2,292
Progressive $2,921 $3,138 $3,394
State Farm $1,953 $2,063 $2,169
Travelers $2,093 $2,217 $2,349
USAA $2,521 $2,697 $2,882

Mount Morris, IL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mount Morris, 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 $3,209 $3,224 $3,354 $3,354 $8,342 $10,860 $3,860 $4,174
American Family $2,217 $2,217 $2,034 $2,034 $6,337 $8,753 $2,217 $2,863
Farmers $2,226 $2,225 $1,977 $2,091 $9,452 $9,839 $2,541 $2,658
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,410 $1,521 $1,170 $1,305 $4,724 $5,248 $1,478 $1,562
Nationwide $1,487 $1,513 $1,329 $1,405 $3,961 $5,072 $1,719 $1,858
Progressive $1,864 $1,773 $1,537 $1,604 $6,504 $7,302 $2,225 $2,401
State Farm $1,320 $1,320 $1,173 $1,173 $3,664 $4,653 $1,488 $1,704
Travelers $1,440 $1,520 $1,302 $1,387 $3,998 $4,971 $1,529 $1,610
USAA $1,618 $1,654 $1,505 $1,491 $5,149 $5,691 $2,133 $2,356

Mount Morris, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Mount Morris, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,342 $10,860
American Family $6,337 $8,753
Farmers $9,452 $9,839
GEICO $4,524 $4,715
Liberty Mutual $4,724 $5,248
Nationwide $3,961 $5,072
Progressive $6,504 $7,302
State Farm $3,664 $4,653
Travelers $3,998 $4,971
USAA $5,149 $5,691

Mount Morris, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Mount Morris, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,354 $3,354
American Family $2,034 $2,034
Farmers $1,977 $2,091
GEICO $1,429 $1,724
Liberty Mutual $1,170 $1,305
Nationwide $1,329 $1,405
Progressive $1,537 $1,604
State Farm $1,173 $1,173
Travelers $1,302 $1,387
USAA $1,505 $1,491

Mount Morris, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Mount Morris, Illinois

Insurance Company Poor Fair Good
Allstate $6,434 $4,645 $4,062
American Family $4,757 $3,246 $2,749
Farmers $4,693 $3,939 $3,747
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,257 $2,033 $1,617
Nationwide $2,730 $2,209 $1,940
Progressive $3,602 $3,044 $2,808
State Farm $2,994 $1,796 $1,395
Travelers $2,715 $2,172 $1,771
USAA $3,600 $2,467 $2,031

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Mount Morris, IL Car Insurance Rates by Driver History

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

Annual Mount Morris, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,605 $6,130 $5,712 $4,740
American Family $2,633 $3,748 $4,970 $2,986
Farmers $3,484 $4,490 $4,378 $4,152
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,916 $2,722 $2,394 $2,177
Nationwide $1,857 $2,389 $2,800 $2,126
Progressive $2,605 $3,833 $2,880 $3,288
State Farm $1,892 $2,232 $2,062 $2,062
Travelers $1,774 $2,313 $2,572 $2,220
USAA $1,929 $2,762 $3,784 $2,324

Mount Morris, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Mount Morris, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,712
American Family $4,970
Farmers $4,378
GEICO $3,243
Liberty Mutual $2,394
Nationwide $2,800
Progressive $2,880
State Farm $2,062
Travelers $2,572
USAA $3,784

Mount Morris, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Mount Morris, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,047 $5,047
American Family $3,538 $3,630
Farmers $4,126 $4,126
GEICO $2,338 $2,425
Liberty Mutual $2,302 $2,302
Nationwide $2,293 $2,293
Progressive $3,151 $3,151
State Farm $2,010 $2,113
Travelers $2,133 $2,306
USAA $2,624 $2,776

Mount Morris, IL Cheapest Car Insurance Rates

How do the top Mount Morris, Illinois car insurance companies’ average rates stack up against the Mount Morris average monthly car insurance rates of $249? Take a look and see.

Best Annual Car Insurance Rates by Company in Mount Morris, Illinois

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

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Mount Morris, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Mount Morris, Illinois

Insurance Company Average Annual Rates
Allstate $5,047
American Family $3,584
Farmers $4,126
GEICO $2,382
Liberty Mutual $2,302
Nationwide $2,293
Progressive $3,151
State Farm $2,062
Travelers $2,220
USAA $2,700

Other Factors Affecting Mount Morris, IL Car Insurance Rates

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

Mount Morris, IL Commute Time

How does your Mount Morris, IL commute time compare with the average driver? In Mount Morris, the average commute is 19.1 minutes.

Mount Morris, IL Car Insurance Quotes

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