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

  • Average car insurance rates in Oak Park, IL for senior drivers are $2,287/year
  • Average car insurance rates in Oak Park, IL are $341/month
  • The cheapest car insurance company in Oak Park for teen drivers is Liberty Mutual

Average car insurance rates in Oak Park, Illinois are $341 a month. But with a little research you can get a great deal from the top car insurance companies in Oak Park, IL. Before you buy Oak Park, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Oak Park, IL Minimum Car Insurance Coverage

Oak Park, 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 Oak Park, 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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Oak Park, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oak Park, Illinois

Insurance Company Low Medium High
Allstate $6,070 $6,297 $6,557
American Family $4,366 $4,702 $4,540
Farmers $5,420 $5,588 $6,194
GEICO $3,292 $3,622 $3,960
Liberty Mutual $2,540 $2,671 $2,817
Nationwide $4,423 $4,522 $4,490
Progressive $3,742 $4,088 $4,492
State Farm $2,842 $3,035 $3,211
Travelers $3,013 $3,210 $3,419
USAA $3,003 $3,209 $3,421

Oak Park, IL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oak Park, 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 $4,024 $4,041 $4,218 $4,218 $10,410 $13,516 $4,828 $5,211
American Family $2,807 $2,807 $2,573 $2,573 $8,011 $11,084 $2,807 $3,626
Farmers $3,027 $3,020 $2,684 $2,858 $13,374 $13,890 $3,447 $3,574
GEICO $2,091 $2,152 $2,033 $2,280 $7,605 $7,888 $2,421 $2,527
Liberty Mutual $1,602 $1,726 $1,322 $1,476 $5,602 $6,225 $1,680 $1,776
Nationwide $2,798 $2,841 $2,481 $2,627 $7,985 $10,245 $3,288 $3,562
Progressive $2,332 $2,184 $1,928 $2,026 $8,778 $9,838 $2,775 $2,996
State Farm $1,795 $1,795 $1,627 $1,627 $5,751 $7,251 $2,036 $2,354
Travelers $1,961 $2,066 $1,807 $1,925 $6,047 $7,633 $2,082 $2,192
USAA $1,884 $1,907 $1,750 $1,711 $6,291 $6,930 $2,492 $2,723

Oak Park, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Oak Park, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,410 $13,516
American Family $8,011 $11,084
Farmers $13,374 $13,890
GEICO $7,605 $7,888
Liberty Mutual $5,602 $6,225
Nationwide $7,985 $10,245
Progressive $8,778 $9,838
State Farm $5,751 $7,251
Travelers $6,047 $7,633
USAA $6,291 $6,930

Oak Park, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Oak Park, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,218 $4,218
American Family $2,573 $2,573
Farmers $2,684 $2,858
GEICO $2,033 $2,280
Liberty Mutual $1,322 $1,476
Nationwide $2,481 $2,627
Progressive $1,928 $2,026
State Farm $1,627 $1,627
Travelers $1,807 $1,925
USAA $1,750 $1,711

Oak Park, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Oak Park, Illinois

Insurance Company Poor Fair Good
Allstate $8,023 $5,805 $5,096
American Family $6,028 $4,107 $3,473
Farmers $6,517 $5,478 $5,208
GEICO $5,847 $2,831 $2,196
Liberty Mutual $3,794 $2,363 $1,872
Nationwide $5,359 $4,316 $3,760
Progressive $4,668 $3,973 $3,680
State Farm $4,402 $2,638 $2,048
Travelers $3,904 $3,175 $2,564
USAA $4,274 $2,938 $2,421

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Oak Park, IL Car Insurance Rates by Driver History

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

Annual Oak Park, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,490 $7,692 $7,127 $5,923
American Family $3,341 $4,708 $6,305 $3,789
Farmers $4,834 $6,255 $6,102 $5,747
GEICO $2,430 $3,893 $5,315 $2,861
Liberty Mutual $2,217 $3,176 $2,784 $2,529
Nationwide $3,595 $4,674 $5,506 $4,139
Progressive $3,372 $5,051 $3,742 $4,263
State Farm $2,746 $3,312 $3,029 $3,029
Travelers $2,544 $3,363 $3,746 $3,205
USAA $2,275 $3,295 $4,524 $2,750

Oak Park, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Oak Park, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,127
American Family $6,305
Farmers $6,102
GEICO $5,315
Liberty Mutual $2,784
Nationwide $5,506
Progressive $3,742
State Farm $3,029
Travelers $3,746
USAA $4,524

Oak Park, IL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Oak Park, Illinois

ZIP Code Average Annual Rates
60301 $4,037
60302 $4,039
60304 $4,060

Oak Park, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Oak Park, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,308 $6,308
American Family $4,478 $4,594
Farmers $5,734 $5,734
GEICO $3,562 $3,687
Liberty Mutual $2,676 $2,676
Nationwide $4,478 $4,478
Progressive $4,107 $4,107
State Farm $2,954 $3,105
Travelers $3,086 $3,342
USAA $3,121 $3,301

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Oak Park, IL Cheapest Car Insurance Rates

How do the top Oak Park, Illinois car insurance companies’ average rates stack up against the Oak Park average monthly car insurance rates of $341? Take a look and see.

Best Annual Car Insurance Rates by Company in Oak Park, Illinois

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

Oak Park, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Oak Park, Illinois

Insurance Company Average Annual Rates
Allstate $6,308
American Family $4,536
Farmers $5,734
GEICO $3,625
Liberty Mutual $2,676
Nationwide $4,478
Progressive $4,107
State Farm $3,029
Travelers $3,214
USAA $3,211

Other Factors Affecting Oak Park, IL Car Insurance Rates

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

Oak Park, IL Commute Time

How does your Oak Park, IL commute time compare with the average driver? In Oak Park, the average commute is 35.8 minutes.

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Oak Park, IL Car Insurance Quotes

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