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 Peru, IL for senior drivers are $1,674/year
  • The cheapest car insurance company in Peru after a DUI is State Farm
  • Average car insurance rates in Peru, IL are $243/month

Average car insurance rates in Peru, Illinois are $243 a month. But with a little research you can get a great deal from the top car insurance companies in Peru, IL. Before you buy Peru, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Peru, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Peru, Illinois

Insurance Company Low Medium High
Allstate $4,918 $5,059 $5,214
American Family $3,103 $3,341 $3,224
Farmers $3,979 $4,084 $4,491
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,897 $2,006 $2,128
Nationwide $2,267 $2,301 $2,280
Progressive $2,744 $2,981 $3,242
State Farm $1,946 $2,061 $2,165
Travelers $2,152 $2,286 $2,427
USAA $2,479 $2,643 $2,817

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Peru, 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 $3,213 $3,227 $3,361 $3,361 $8,381 $10,919 $3,866 $4,181
American Family $2,004 $2,004 $1,837 $1,837 $5,668 $7,844 $2,004 $2,584
Farmers $2,234 $2,235 $1,980 $2,094 $9,648 $10,064 $2,553 $2,670
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,258 $1,358 $1,052 $1,174 $4,048 $4,499 $1,313 $1,382
Nationwide $1,479 $1,505 $1,321 $1,398 $3,944 $5,055 $1,710 $1,850
Progressive $1,722 $1,624 $1,422 $1,485 $6,310 $7,077 $2,051 $2,220
State Farm $1,279 $1,279 $1,147 $1,147 $3,746 $4,742 $1,448 $1,670
Travelers $1,453 $1,532 $1,327 $1,413 $4,184 $5,236 $1,539 $1,620
USAA $1,600 $1,645 $1,486 $1,482 $4,980 $5,522 $2,110 $2,346

Peru, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Peru, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,381 $10,919
American Family $5,668 $7,844
Farmers $9,648 $10,064
GEICO $4,524 $4,715
Liberty Mutual $4,048 $4,499
Nationwide $3,944 $5,055
Progressive $6,310 $7,077
State Farm $3,746 $4,742
Travelers $4,184 $5,236
USAA $4,980 $5,522

Peru, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Peru, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,361 $3,361
American Family $1,837 $1,837
Farmers $1,980 $2,094
GEICO $1,429 $1,724
Liberty Mutual $1,052 $1,174
Nationwide $1,321 $1,398
Progressive $1,422 $1,485
State Farm $1,147 $1,147
Travelers $1,327 $1,413
USAA $1,486 $1,482

Peru, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Peru, Illinois

Insurance Company Poor Fair Good
Allstate $6,453 $4,661 $4,077
American Family $4,281 $2,918 $2,470
Farmers $4,753 $3,998 $3,803
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,836 $1,776 $1,419
Nationwide $2,717 $2,199 $1,932
Progressive $3,402 $2,891 $2,673
State Farm $2,991 $1,791 $1,389
Travelers $2,790 $2,248 $1,827
USAA $3,539 $2,416 $1,985

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Peru, IL Car Insurance Rates by Driver History

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

Annual Peru, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,607 $6,157 $5,736 $4,754
American Family $2,365 $3,384 $4,461 $2,682
Farmers $3,533 $4,556 $4,443 $4,207
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,680 $2,371 $2,088 $1,903
Nationwide $1,847 $2,379 $2,789 $2,115
Progressive $2,465 $3,657 $2,728 $3,106
State Farm $1,875 $2,240 $2,057 $2,057
Travelers $1,825 $2,388 $2,655 $2,285
USAA $1,898 $2,702 $3,703 $2,283

Peru, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Peru, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,736
American Family $4,461
Farmers $4,443
GEICO $3,243
Liberty Mutual $2,088
Nationwide $2,789
Progressive $2,728
State Farm $2,057
Travelers $2,655
USAA $3,703

Peru, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Peru, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,064 $5,064
American Family $3,182 $3,264
Farmers $4,185 $4,185
GEICO $2,338 $2,425
Liberty Mutual $2,010 $2,010
Nationwide $2,283 $2,283
Progressive $2,989 $2,989
State Farm $2,005 $2,109
Travelers $2,199 $2,377
USAA $2,572 $2,721

Peru, IL Cheapest Car Insurance Rates

How do the top Peru, Illinois car insurance companies’ average rates stack up against the Peru average monthly car insurance rates of $243? Take a look and see.

Best Annual Car Insurance Rates by Company in Peru, Illinois

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

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Peru, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Peru, Illinois

Insurance Company Average Annual Rates
Allstate $5,064
American Family $3,223
Farmers $4,185
GEICO $2,382
Liberty Mutual $2,010
Nationwide $2,283
Progressive $2,989
State Farm $2,057
Travelers $2,288
USAA $2,647

Other Factors Affecting Peru, IL Car Insurance Rates

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

Peru, IL Commute Time

How does your Peru, IL commute time compare with the average driver? In Peru, the average commute is 14.8 minutes.

Peru, IL Traffic

Spending time in Peru traffic can lead to higher car insurance rates. According to INRIX data, Peru, IL ranks as the 567th-most congested with traffic in the world.

Peru, IL Car Insurance Quotes

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