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

  • Average car insurance rates in Oquawka, IL for senior drivers are $1,679/year
  • The cheapest car insurance company in Oquawka for teen drivers is State Farm
  • The cheapest car insurance company in Oquawka after a DUI is State Farm

Average car insurance rates in Oquawka, Illinois are $241 a month. But with a little research you can get a great deal from the top car insurance companies in Oquawka, IL. Before you buy Oquawka, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Oquawka, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Oquawka, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,503 $3,739 $3,582
Farmers $3,789 $3,882 $4,228
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,965 $2,072 $2,191
Nationwide $2,611 $2,626 $2,590
Progressive $2,678 $2,866 $3,084
State Farm $2,053 $2,153 $2,246
Travelers $2,071 $2,184 $2,303
USAA $2,324 $2,467 $2,616

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oquawka, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,266 $2,266 $2,069 $2,069 $6,270 $8,739 $2,266 $2,917
Farmers $2,181 $2,183 $1,942 $2,047 $8,954 $9,323 $2,487 $2,613
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,314 $1,419 $1,097 $1,224 $4,134 $4,596 $1,374 $1,451
Nationwide $1,675 $1,707 $1,491 $1,581 $4,540 $5,829 $1,944 $2,105
Progressive $1,742 $1,671 $1,434 $1,492 $5,809 $6,535 $2,082 $2,247
State Farm $1,396 $1,396 $1,230 $1,230 $3,777 $4,806 $1,572 $1,799
Travelers $1,449 $1,530 $1,295 $1,382 $3,883 $4,785 $1,542 $1,625
USAA $1,488 $1,518 $1,379 $1,361 $4,700 $5,201 $1,953 $2,152

Oquawka, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Oquawka, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,270 $8,739
Farmers $8,954 $9,323
GEICO $4,847 $5,129
Liberty Mutual $4,134 $4,596
Nationwide $4,540 $5,829
Progressive $5,809 $6,535
State Farm $3,777 $4,806
Travelers $3,883 $4,785
USAA $4,700 $5,201

Oquawka, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Oquawka, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,069 $2,069
Farmers $1,942 $2,047
GEICO $1,521 $1,797
Liberty Mutual $1,097 $1,224
Nationwide $1,491 $1,581
Progressive $1,434 $1,492
State Farm $1,230 $1,230
Travelers $1,295 $1,382
USAA $1,379 $1,361

Oquawka, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Oquawka, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $4,812 $3,260 $2,751
Farmers $4,524 $3,778 $3,596
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,935 $1,830 $1,462
Nationwide $3,113 $2,512 $2,202
Progressive $3,298 $2,776 $2,554
State Farm $3,128 $1,872 $1,452
Travelers $2,684 $2,131 $1,743
USAA $3,299 $2,255 $1,854

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Oquawka, IL Car Insurance Rates by Driver History

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

Annual Oquawka, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,651 $3,773 $5,001 $3,008
Farmers $3,354 $4,308 $4,201 $4,002
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,737 $2,444 $2,157 $1,966
Nationwide $2,105 $2,720 $3,196 $2,415
Progressive $2,386 $3,475 $2,633 $3,011
State Farm $1,981 $2,321 $2,151 $2,151
Travelers $1,751 $2,277 $2,526 $2,191
USAA $1,769 $2,525 $3,453 $2,130

Oquawka, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Oquawka, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,008
American Family $5,001
Farmers $4,201
GEICO $3,482
Liberty Mutual $2,157
Nationwide $3,196
Progressive $2,633
State Farm $2,151
Travelers $2,526
USAA $3,453

Oquawka, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Oquawka, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,561 $3,655
Farmers $3,966 $3,966
GEICO $2,519 $2,617
Liberty Mutual $2,076 $2,076
Nationwide $2,609 $2,609
Progressive $2,876 $2,876
State Farm $2,097 $2,204
Travelers $2,101 $2,271
USAA $2,400 $2,538

Oquawka, IL Cheapest Car Insurance Rates

How do the top Oquawka, Illinois car insurance companies’ average rates stack up against the Oquawka average monthly car insurance rates of $241? Take a look and see.

Best Annual Car Insurance Rates by Company in Oquawka, Illinois

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

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Oquawka, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Oquawka, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,608
Farmers $3,966
GEICO $2,568
Liberty Mutual $2,076
Nationwide $2,609
Progressive $2,876
State Farm $2,151
Travelers $2,186
USAA $2,469

Other Factors Affecting Oquawka, IL Car Insurance Rates

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

Oquawka, IL Commute Time

How does your Oquawka, IL commute time compare with the average driver? In Oquawka, the average commute is 23.7 minutes.

Oquawka, IL Car Insurance Quotes

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