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

  • The cheapest car insurance company in Winchester for teen drivers is Travelers
  • Average car insurance rates in Winchester, IL for senior drivers are $1,782/year
  • The cheapest car insurance company in Winchester after a DUI is State Farm

Average car insurance rates in Winchester, Illinois are $255 a month. But with a little research you can get a great deal from the top car insurance companies in Winchester, IL. Before you buy Winchester, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

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

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

Winchester, IL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Winchester, Illinois

Insurance Company Low Medium High
Allstate $4,928 $5,055 $5,194
American Family $3,487 $3,708 $3,540
Farmers $4,061 $4,156 $4,506
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,996 $2,102 $2,222
Nationwide $2,646 $2,657 $2,619
Progressive $3,278 $3,493 $3,729
State Farm $1,965 $2,063 $2,154
Travelers $1,958 $2,059 $2,167
USAA $2,632 $2,814 $3,004

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Winchester, 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 $3,259 $3,274 $3,383 $3,383 $8,257 $10,766 $3,916 $4,232
American Family $2,262 $2,262 $2,060 $2,060 $6,169 $8,642 $2,262 $2,908
Farmers $2,360 $2,364 $2,104 $2,214 $9,492 $9,883 $2,685 $2,823
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,327 $1,433 $1,107 $1,235 $4,213 $4,682 $1,388 $1,468
Nationwide $1,704 $1,739 $1,515 $1,610 $4,566 $5,881 $1,972 $2,139
Progressive $2,178 $2,109 $1,795 $1,855 $6,873 $7,762 $2,612 $2,818
State Farm $1,338 $1,338 $1,180 $1,180 $3,616 $4,603 $1,507 $1,723
Travelers $1,375 $1,452 $1,228 $1,310 $3,643 $4,480 $1,463 $1,541
USAA $1,677 $1,708 $1,559 $1,537 $5,422 $5,984 $2,212 $2,433

Winchester, IL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Winchester, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,257 $10,766
American Family $6,169 $8,642
Farmers $9,492 $9,883
GEICO $4,847 $5,129
Liberty Mutual $4,213 $4,682
Nationwide $4,566 $5,881
Progressive $6,873 $7,762
State Farm $3,616 $4,603
Travelers $3,643 $4,480
USAA $5,422 $5,984

Winchester, IL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Winchester, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,383 $3,383
American Family $2,060 $2,060
Farmers $2,104 $2,214
GEICO $1,521 $1,797
Liberty Mutual $1,107 $1,235
Nationwide $1,515 $1,610
Progressive $1,795 $1,855
State Farm $1,180 $1,180
Travelers $1,228 $1,310
USAA $1,559 $1,537

Winchester, IL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Winchester, Illinois

Insurance Company Poor Fair Good
Allstate $6,472 $4,648 $4,056
American Family $4,785 $3,228 $2,721
Farmers $4,840 $4,038 $3,844
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,980 $1,857 $1,483
Nationwide $3,154 $2,540 $2,228
Progressive $4,017 $3,379 $3,105
State Farm $2,996 $1,794 $1,392
Travelers $2,531 $2,010 $1,644
USAA $3,753 $2,575 $2,121

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Winchester, IL Car Insurance Rates by Driver History

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

Annual Winchester, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,694 $6,093 $5,679 $4,770
American Family $2,627 $3,743 $4,960 $2,983
Farmers $3,591 $4,603 $4,489 $4,281
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,760 $2,482 $2,190 $1,995
Nationwide $2,125 $2,754 $3,240 $2,443
Progressive $2,908 $4,205 $3,208 $3,679
State Farm $1,898 $2,223 $2,061 $2,061
Travelers $1,655 $2,148 $2,378 $2,066
USAA $2,007 $2,885 $3,953 $2,421

Winchester, IL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Winchester, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,679
American Family $4,960
Farmers $4,489
GEICO $3,482
Liberty Mutual $2,190
Nationwide $3,240
Progressive $3,208
State Farm $2,061
Travelers $2,378
USAA $3,953

Winchester, IL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Winchester, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,059 $5,059
American Family $3,531 $3,625
Farmers $4,241 $4,241
GEICO $2,519 $2,617
Liberty Mutual $2,107 $2,107
Nationwide $2,641 $2,641
Progressive $3,500 $3,500
State Farm $2,009 $2,112
Travelers $1,982 $2,141
USAA $2,737 $2,896

Winchester, IL Cheapest Car Insurance Rates

How do the top Winchester, Illinois car insurance companies’ average rates stack up against the Winchester average monthly car insurance rates of $255? Take a look and see.

Best Annual Car Insurance Rates by Company in Winchester, Illinois

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

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Winchester, IL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Winchester, Illinois

Insurance Company Average Annual Rates
Allstate $5,059
American Family $3,578
Farmers $4,241
GEICO $2,568
Liberty Mutual $2,107
Nationwide $2,641
Progressive $3,500
State Farm $2,061
Travelers $2,062
USAA $2,816

Other Factors Affecting Winchester, IL Car Insurance Rates

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

Winchester, IL Commute Time

How does your Winchester, IL commute time compare with the average driver? In Winchester, the average commute is 26.2 minutes.

Winchester, IL Traffic

Spending time in Winchester traffic can lead to higher car insurance rates. According to INRIX data, Winchester, IL ranks as the 183rd-most congested with traffic in the world.

Winchester, IL Car Insurance Quotes

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