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 St. Charles for teen drivers is Nationwide
  • The cheapest car insurance company in St. Charles after a DUI is Liberty Mutual
  • Average car insurance rates in St. Charles, IL are $262/month

Average car insurance rates in St. Charles, Illinois are $262 a month. But with a little research you can get a great deal from the top car insurance companies in St. Charles, IL. Before you buy St. Charles, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

St. Charles, IL Minimum Car Insurance Coverage

St. Charles, 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 St. Charles, 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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St. Charles, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in St. Charles, Illinois

Insurance Company Low Medium High
Allstate $5,061 $5,231 $5,417
American Family $3,403 $3,681 $3,567
Farmers $4,317 $4,440 $4,922
GEICO $2,607 $2,884 $3,178
Liberty Mutual $2,231 $2,356 $2,492
Nationwide $2,011 $2,058 $2,051
Progressive $3,081 $3,390 $3,747
State Farm $2,306 $2,466 $2,604
Travelers $2,300 $2,454 $2,616
USAA $2,293 $2,456 $2,625

St. Charles, IL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in St. Charles, 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 $3,307 $3,322 $3,470 $3,470 $8,726 $11,321 $3,977 $4,298
American Family $2,186 $2,186 $2,009 $2,009 $6,310 $8,690 $2,186 $2,827
Farmers $2,375 $2,373 $2,098 $2,228 $10,695 $11,163 $2,717 $2,827
GEICO $1,707 $1,756 $1,668 $1,875 $5,994 $6,188 $1,927 $2,001
Liberty Mutual $1,396 $1,502 $1,152 $1,287 $4,992 $5,551 $1,461 $1,536
Nationwide $1,324 $1,342 $1,190 $1,251 $3,536 $4,495 $1,533 $1,649
Progressive $1,930 $1,804 $1,600 $1,679 $7,305 $8,176 $2,290 $2,463
State Farm $1,448 $1,448 $1,315 $1,315 $4,686 $5,912 $1,645 $1,900
Travelers $1,510 $1,590 $1,401 $1,489 $4,589 $5,802 $1,595 $1,677
USAA $1,462 $1,475 $1,360 $1,326 $4,789 $5,259 $1,912 $2,081

St. Charles, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in St. Charles, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,726 $11,321
American Family $6,310 $8,690
Farmers $10,695 $11,163
GEICO $5,994 $6,188
Liberty Mutual $4,992 $5,551
Nationwide $3,536 $4,495
Progressive $7,305 $8,176
State Farm $4,686 $5,912
Travelers $4,589 $5,802
USAA $4,789 $5,259

St. Charles, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in St. Charles, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,470 $3,470
American Family $2,009 $2,009
Farmers $2,098 $2,228
GEICO $1,668 $1,875
Liberty Mutual $1,152 $1,287
Nationwide $1,190 $1,251
Progressive $1,600 $1,679
State Farm $1,315 $1,315
Travelers $1,401 $1,489
USAA $1,360 $1,326

St. Charles, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in St. Charles, Illinois

Insurance Company Poor Fair Good
Allstate $6,663 $4,822 $4,224
American Family $4,706 $3,218 $2,727
Farmers $5,162 $4,365 $4,151
GEICO $4,643 $2,263 $1,762
Liberty Mutual $3,325 $2,092 $1,661
Nationwide $2,421 $1,970 $1,729
Progressive $3,870 $3,296 $3,051
State Farm $3,577 $2,140 $1,659
Travelers $2,982 $2,426 $1,962
USAA $3,265 $2,251 $1,858

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St. Charles, IL Car Insurance Rates by Driver History

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

Annual St. Charles, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,686 $6,402 $5,953 $4,905
American Family $2,608 $3,713 $4,923 $2,957
Farmers $3,844 $4,975 $4,850 $4,569
GEICO $1,954 $3,155 $4,153 $2,297
Liberty Mutual $1,959 $2,802 $2,450 $2,226
Nationwide $1,665 $2,123 $2,475 $1,896
Progressive $2,799 $4,188 $3,107 $3,530
State Farm $2,226 $2,691 $2,459 $2,459
Travelers $1,952 $2,569 $2,859 $2,447
USAA $1,751 $2,524 $3,444 $2,113

St. Charles, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in St. Charles, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,953
American Family $4,923
Farmers $4,850
GEICO $4,153
Liberty Mutual $2,450
Nationwide $2,475
Progressive $3,107
State Farm $2,459
Travelers $2,859
USAA $3,444

St. Charles, IL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in St. Charles, Illinois

ZIP Code Average Annual Rates
60174 $3,103
60175 $3,113

St. Charles, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in St. Charles, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,236 $5,236
American Family $3,505 $3,595
Farmers $4,560 $4,560
GEICO $2,841 $2,939
Liberty Mutual $2,359 $2,359
Nationwide $2,040 $2,040
Progressive $3,406 $3,406
State Farm $2,396 $2,521
Travelers $2,360 $2,553
USAA $2,389 $2,527

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St. Charles, IL Cheapest Car Insurance Rates

How do the top St. Charles, Illinois car insurance companies’ average rates stack up against the St. Charles average monthly car insurance rates of $262? Take a look and see.

Best Annual Car Insurance Rates by Company in St. Charles, Illinois

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

St. Charles, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in St. Charles, Illinois

Insurance Company Average Annual Rates
Allstate $5,236
American Family $3,550
Farmers $4,560
GEICO $2,890
Liberty Mutual $2,359
Nationwide $2,040
Progressive $3,406
State Farm $2,459
Travelers $2,457
USAA $2,458

Other Factors Affecting St. Charles, IL Car Insurance Rates

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

St. Charles, IL Commute Time

How does your St. Charles, IL commute time compare with the average driver? In St. Charles, the average commute is 31.3 minutes.

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St. Charles, IL Car Insurance Quotes

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