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 Prophetstown, IL are $235/month
  • The cheapest car insurance company in Prophetstown after a DUI is State Farm
  • Average car insurance rates in Prophetstown, IL for senior drivers are $1,631/year

Average car insurance rates in Prophetstown, Illinois are $235 a month. But with a little research you can get a great deal from the top car insurance companies in Prophetstown, IL. Before you buy Prophetstown, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Prophetstown, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Prophetstown, Illinois

Insurance Company Low Medium High
Allstate $4,533 $4,660 $4,800
American Family $3,413 $3,656 $3,512
Farmers $3,770 $3,863 $4,211
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,002 $2,109 $2,228
Nationwide $1,977 $2,004 $1,987
Progressive $2,647 $2,859 $3,112
State Farm $1,936 $2,036 $2,129
Travelers $2,043 $2,178 $2,322
USAA $2,344 $2,513 $2,692

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Prophetstown, 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 $2,974 $2,987 $3,104 $3,104 $7,685 $10,015 $3,577 $3,867
American Family $2,201 $2,201 $2,014 $2,014 $6,175 $8,572 $2,201 $2,838
Farmers $2,142 $2,140 $1,904 $2,010 $9,002 $9,370 $2,449 $2,569
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,316 $1,420 $1,097 $1,223 $4,271 $4,746 $1,377 $1,454
Nationwide $1,310 $1,335 $1,172 $1,242 $3,382 $4,341 $1,504 $1,627
Progressive $1,696 $1,611 $1,397 $1,462 $5,945 $6,672 $2,020 $2,179
State Farm $1,297 $1,297 $1,151 $1,151 $3,627 $4,600 $1,463 $1,683
Travelers $1,416 $1,495 $1,282 $1,367 $3,916 $4,891 $1,501 $1,582
USAA $1,498 $1,521 $1,395 $1,371 $4,862 $5,356 $1,970 $2,159

Prophetstown, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Prophetstown, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,685 $10,015
American Family $6,175 $8,572
Farmers $9,002 $9,370
GEICO $4,524 $4,715
Liberty Mutual $4,271 $4,746
Nationwide $3,382 $4,341
Progressive $5,945 $6,672
State Farm $3,627 $4,600
Travelers $3,916 $4,891
USAA $4,862 $5,356

Prophetstown, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Prophetstown, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,104 $3,104
American Family $2,014 $2,014
Farmers $1,904 $2,010
GEICO $1,429 $1,724
Liberty Mutual $1,097 $1,223
Nationwide $1,172 $1,242
Progressive $1,397 $1,462
State Farm $1,151 $1,151
Travelers $1,282 $1,367
USAA $1,395 $1,371

Prophetstown, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Prophetstown, Illinois

Insurance Company Poor Fair Good
Allstate $5,951 $4,291 $3,751
American Family $4,695 $3,190 $2,696
Farmers $4,494 $3,767 $3,584
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,986 $1,865 $1,488
Nationwide $2,366 $1,914 $1,687
Progressive $3,287 $2,774 $2,557
State Farm $2,957 $1,771 $1,373
Travelers $2,671 $2,133 $1,740
USAA $3,347 $2,303 $1,900

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Prophetstown, IL Car Insurance Rates by Driver History

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

Annual Prophetstown, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,349 $5,655 $5,268 $4,385
American Family $2,590 $3,691 $4,889 $2,939
Farmers $3,333 $4,293 $4,186 $3,980
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,764 $2,493 $2,196 $2,000
Nationwide $1,612 $2,072 $2,427 $1,845
Progressive $2,376 $3,493 $2,626 $2,996
State Farm $1,865 $2,202 $2,033 $2,033
Travelers $1,741 $2,268 $2,537 $2,179
USAA $1,794 $2,581 $3,528 $2,162

Prophetstown, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Prophetstown, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,268
American Family $4,889
Farmers $4,186
GEICO $3,243
Liberty Mutual $2,196
Nationwide $2,427
Progressive $2,626
State Farm $2,033
Travelers $2,537
USAA $3,528

Prophetstown, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Prophetstown, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,664 $4,664
American Family $3,482 $3,573
Farmers $3,948 $3,948
GEICO $2,338 $2,425
Liberty Mutual $2,113 $2,113
Nationwide $1,989 $1,989
Progressive $2,873 $2,873
State Farm $1,983 $2,084
Travelers $2,096 $2,266
USAA $2,446 $2,587

Prophetstown, IL Cheapest Car Insurance Rates

How do the top Prophetstown, Illinois car insurance companies’ average rates stack up against the Prophetstown average monthly car insurance rates of $235? Take a look and see.

Best Annual Car Insurance Rates by Company in Prophetstown, Illinois

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

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Prophetstown, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Prophetstown, Illinois

Insurance Company Average Annual Rates
Allstate $4,664
American Family $3,527
Farmers $3,948
GEICO $2,382
Liberty Mutual $2,113
Nationwide $1,989
Progressive $2,873
State Farm $2,033
Travelers $2,181
USAA $2,516

Other Factors Affecting Prophetstown, IL Car Insurance Rates

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

Prophetstown, IL Commute Time

How does your Prophetstown, IL commute time compare with the average driver? In Prophetstown, the average commute is 20.9 minutes.

Prophetstown, IL Car Insurance Quotes

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