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 Waterloo after a DUI is State Farm
  • The cheapest car insurance company in Waterloo for teen drivers is State Farm
  • Average car insurance rates in Waterloo, IL are $285/month

Average car insurance rates in Waterloo, Illinois are $285 a month. But with a little research you can get a great deal from the top car insurance companies in Waterloo, IL. Before you buy Waterloo, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Waterloo, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Waterloo, Illinois

Insurance Company Low Medium High
Allstate $4,911 $5,086 $5,280
American Family $3,896 $4,211 $4,078
Farmers $4,408 $4,534 $5,010
GEICO $2,566 $2,833 $3,134
Liberty Mutual $2,281 $2,421 $2,578
Nationwide $3,730 $3,788 $3,747
Progressive $3,226 $3,549 $3,965
State Farm $2,138 $2,273 $2,396
Travelers $2,317 $2,477 $2,647
USAA $2,838 $3,041 $3,253

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waterloo, 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 $3,244 $3,259 $3,395 $3,395 $8,424 $10,922 $3,895 $4,206
American Family $2,520 $2,520 $2,307 $2,307 $7,150 $9,916 $2,520 $3,250
Farmers $2,479 $2,479 $2,198 $2,332 $10,755 $11,202 $2,822 $2,938
GEICO $1,727 $1,757 $1,670 $2,030 $5,565 $5,775 $2,170 $2,061
Liberty Mutual $1,480 $1,600 $1,224 $1,372 $4,991 $5,562 $1,549 $1,637
Nationwide $2,375 $2,419 $2,104 $2,236 $6,607 $8,514 $2,773 $3,012
Progressive $2,099 $1,976 $1,733 $1,828 $7,487 $8,385 $2,483 $2,648
State Farm $1,415 $1,415 $1,269 $1,269 $4,118 $5,227 $1,601 $1,839
Travelers $1,561 $1,647 $1,428 $1,523 $4,554 $5,732 $1,653 $1,741
USAA $1,801 $1,834 $1,675 $1,652 $5,887 $6,497 $2,384 $2,622

Waterloo, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Waterloo, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,424 $10,922
American Family $7,150 $9,916
Farmers $10,755 $11,202
GEICO $5,565 $5,775
Liberty Mutual $4,991 $5,562
Nationwide $6,607 $8,514
Progressive $7,487 $8,385
State Farm $4,118 $5,227
Travelers $4,554 $5,732
USAA $5,887 $6,497

Waterloo, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Waterloo, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,395 $3,395
American Family $2,307 $2,307
Farmers $2,198 $2,332
GEICO $1,670 $2,030
Liberty Mutual $1,224 $1,372
Nationwide $2,104 $2,236
Progressive $1,733 $1,828
State Farm $1,269 $1,269
Travelers $1,428 $1,523
USAA $1,675 $1,652

Waterloo, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Waterloo, Illinois

Insurance Company Poor Fair Good
Allstate $6,490 $4,683 $4,104
American Family $5,403 $3,675 $3,107
Farmers $5,284 $4,442 $4,226
GEICO $4,571 $2,228 $1,734
Liberty Mutual $3,438 $2,141 $1,702
Nationwide $4,492 $3,613 $3,159
Progressive $4,097 $3,457 $3,186
State Farm $3,300 $1,975 $1,531
Travelers $3,024 $2,437 $1,979
USAA $4,054 $2,784 $2,294

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Waterloo, IL Car Insurance Rates by Driver History

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

Annual Waterloo, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,624 $6,208 $5,757 $4,780
American Family $2,987 $4,229 $5,640 $3,389
Farmers $3,928 $5,067 $4,942 $4,666
GEICO $2,044 $2,834 $3,948 $2,551
Liberty Mutual $2,020 $2,872 $2,522 $2,294
Nationwide $3,008 $3,920 $4,625 $3,468
Progressive $2,950 $4,368 $3,274 $3,727
State Farm $2,070 $2,469 $2,269 $2,269
Travelers $1,971 $2,584 $2,891 $2,474
USAA $2,164 $3,120 $4,282 $2,611

Waterloo, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Waterloo, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,757
American Family $5,640
Farmers $4,942
GEICO $3,948
Liberty Mutual $2,522
Nationwide $4,625
Progressive $3,274
State Farm $2,269
Travelers $2,891
USAA $4,282

Waterloo, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Waterloo, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,092 $5,092
American Family $4,009 $4,114
Farmers $4,651 $4,651
GEICO $2,792 $2,897
Liberty Mutual $2,427 $2,427
Nationwide $3,755 $3,755
Progressive $3,580 $3,580
State Farm $2,211 $2,327
Travelers $2,383 $2,577
USAA $2,958 $3,130

Waterloo, IL Cheapest Car Insurance Rates

How do the top Waterloo, Illinois car insurance companies’ average rates stack up against the Waterloo average monthly car insurance rates of $285? Take a look and see.

Best Annual Car Insurance Rates by Company in Waterloo, Illinois

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

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Waterloo, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Waterloo, Illinois

Insurance Company Average Annual Rates
Allstate $5,092
American Family $4,061
Farmers $4,651
GEICO $2,844
Liberty Mutual $2,427
Nationwide $3,755
Progressive $3,580
State Farm $2,269
Travelers $2,480
USAA $3,044

Other Factors Affecting Waterloo, IL Car Insurance Rates

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

Waterloo, IL Commute Time

How does your Waterloo, IL commute time compare with the average driver? In Waterloo, the average commute is 30.4 minutes.

Waterloo, IL Car Insurance Quotes

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