Best Alton, Illinois Auto Insurance in 2025 (Find the Top 10 Companies Here)

The best Alton, Illinois auto insurance providers are Allstate, Farmers, and American Family, with rates starting at $80 per month.

In Alton, Illinois, the regulations governing auto insurance require that all drivers maintain a minimum level of coverage. Designed to ensure that all motorists have sufficient financial protection in the event of an accident or other incidents involving their vehicles.

Our Top 10 Company Picks: Best Alton, Illinois Auto Insurance

Before you buy Alton,  Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free auto insurance quotes in Alton, IL.

#1 – Allstate: Top Overall Pick

Pros

• Excellent Mobile App: Allstate’s mobile app offers easy policy management, including features for paying bills, filing claims, and accessing digital ID cards. Dive into Allstate auto insurance review for complete details on their policies.
• Safe Driver Discounts: Alton residents who maintain a clean driving record can benefit from substantial discounts, rewarding responsible driving behavior.
• Bundling Benefits: By combining auto coverage with other policies, Alton residents can tap into Allstate’s generous multi-policy discounts for significant savings.

Cons

• High Entry-Level Rates: Allstate’s premiums for minimum coverage in Alton tend to be higher than some competitors, potentially deterring budget-conscious drivers.
• Unhurried Claims Process: While generally dependable, Allstate’s claims handling in Alton can be slower than some other top providers, potentially impacting overall satisfaction.

#2 – Farmers: Best for Customizable Plans

Pros

• Individualized Attention: Farmers’ Alton-based agents provide one-on-one guidance to help craft policies that fit each driver’s distinct needs and circumstances.
• Local Community Engagement: Farmers actively participates in community events and initiatives in Alton, fostering a strong local presence. See more details in our page titled Farmers auto insurance review.
• Steadfast Stability: Farmers’ robust financial footing instills confidence in Alton policyholders, ensuring dependable coverage year after year.

Cons

• Streamlined Digital Experience: Compared to tech-forward competitors, Farmers’ online tools may leave some Alton customers desiring a more robust digital experience.
• Lengthy Claims Processing: While Farmers provides personalized claims assistance, some Alton customers experience longer processing times compared to other insurers.

#3 – American Family: Best for Local Focus

Pros

• Bundling Advantages: By combining auto with home or life policies, Alton residents can maximize American Family’s industry-leading multi-policy discounts.
• Built-to-Fit Coverage: With an extensive selection of optional protections, American Family empowers Alton drivers to design policies that match their unique risk profiles. Learn more about their ratings in our American Family auto insurance review.
• Responsive Claims Support: American Family’s strong claims satisfaction record gives Alton policyholders peace of mind, knowing they’ll be in good hands after an incident.

Cons

• Pricier Solo Policies: For Alton residents purchasing auto coverage alone, American Family’s rates may be less competitive than bundled alternatives.
• Finite Discount Choices: Compared to some providers, American Family may extend fewer discount programs to Alton drivers, potentially constraining savings opportunities.

#4 – Auto-Owners: Best for Reliable Service

Pros

• No-Gap Coverage for New Cars: Auto-Owners provides coverage that ensures no gaps between the old and new vehicle when Alton drivers purchase a replacement car.
• Affordably Robust Protection: They offer competitive rates for comprehensive coverage, as detailed in the Auto-Owners auto insurance review, allowing Alton residents to secure top-tier protection without overpaying.
• Community-Oriented Support: Auto-Owners’ Alton-based agents possess the local knowledge and personalized touch to provide custom-tailored service and solutions.

Cons

• Streamlined Digital Tools: Compared to some competitors, Auto-Owners’ online policy management options may not be as robust or intuitive for Alton’s digital-first consumers.
• Narrower Discount Range: Auto-Owners may offer fewer cost-cutting programs than some Alton providers, potentially limiting opportunities for premium reductions.

#5 – State Farm: Best for Local Agent

Pros

• Locally Tailored Service: With an expansive network of Alton-based agents, State Farm excels at delivering personalized, one-on-one support to local drivers.
• Teen Driver Rates: State Farm’s affordable premiums and discounts make it a budget-friendly choice for Alton families with young drivers.
• Confidence-Boosting Resources: State Farm’s extensive educational tools and programs empower Alton motorists to sharpen their skills and drive more safely. For discounts, read our State Farm auto insurance discounts.

Cons

• Slimmer Low-Mileage Discounts: Compared to some Alton providers, State Farm’s premium reductions for limited driving may be less generous, potentially impacting savings for infrequent motorists.
• Slightly Steeper Basic Coverage: For bare-bones policies, State Farm’s rates in Alton trend marginally higher than some more budget-focused competitors.

#6 – Progressive: Best for Competitive Rates

Pros

• Accessible High-Risk Coverage: With some of Alton’s lowest rates for motorists with imperfect histories, Progressive is a top pick for drivers struggling to secure affordable coverage elsewhere. Learn more in our Progressive auto insurance review.
• Behavior-Based Discounts: Through its Snapshot program, Progressive rewards Alton’s safest drivers with substantial savings, incentivizing responsible habits behind the wheel.
• Robust Online Offerings: Progressive’s intuitive digital tools make it a breeze for Alton residents to manage policies, file claims, and access support from anywhere.

Cons

• Pricier Basic Policies: Alton residents seeking no-frills coverage may find Progressive’s standard rates less competitive than some other stripped-down options.
• Scarcer In-Person Support: With a leaner local presence, Progressive may not be the ideal fit for Alton motorists who prefer face-to-face interactions for insurance matters.

#7 – Nationwide: Best for Accident Forgiveness

Pros

• Plentiful Savings Opportunities: From safe driving to multi-policy discounts, Nationwide extends a wide array of cost-cutting options to help Alton motorists save.
• Home and Auto Bundling: As outlined in Nationwide auto insurance review, combining home and auto insurance with Nationwide can lead to substantial savings through their bundling discounts.
• Practical Proven Providers: With a reputation for steady reliability and practical solutions, Nationwide brings a reassuring track record of service excellence to Alton customers.

Cons

• Additional Costs for Add-Ons: Optional coverage add-ons and enhancements may increase the overall cost of the insurance policy for Alton drivers.
• Reduced In-Person Availability: With a somewhat smaller brick-and-mortar footprint, Nationwide may have fewer local agents available to assist Alton residents.

#8 – Liberty Mutual: Best for Innovative Discounts

Pros

• Finely Tuned Coverage: With a robust selection of à la carte options and endorsements, Liberty Mutual empowers Alton residents to craft truly personalized policies.
• Rewarding Responsible Choices: Liberty Mutual’s extensive safe driving discounts help keep premiums affordable for Alton’s most conscientious motorists.
• Multi-Policy Savings: As mentioned in our Liberty Mutual auto insurance review, by bundling auto with home coverage, Alton customers can take advantage of Liberty Mutual’s considerable multi-policy price breaks.

Cons

• Costlier Young Driver Coverage: For Alton households with teen motorists, Liberty Mutual’s premiums may be a bit steeper than certain competitors’ rates.
• Room for Claims Improvement: While far from subpar, Liberty Mutual’s claims satisfaction scores leave room for refinement compared to Alton’s most celebrated carriers.

#9 – Travelers: Best for Broad Coverage

Pros

• Diverse Discount Selections: With everything from safe driver to multi-policy price breaks, Travelers makes it easy for Alton motorists to maximize savings.
• Adjustable Payment Plans: As outlined in our Travelers auto insurance review, their flexible billing options enable Alton residents to align premium payments with their individual budgets and cash flow needs.
• Financially Robust Provider: Travelers’ outstanding fiscal stability ratings assure Alton policyholders that the provider will be there for them when they need it most.

Cons

• Pricier High-Risk Policies: For Alton drivers with accidents or violations on their records, Travelers’ rates may be a bit steeper than those of certain competitors.
• Leaner Local Presence: Compared to some other Alton insurers, Travelers may have a slightly smaller network of agents, potentially limiting opportunities for face-to-face support.

#10 – The Hartford: Best for AARP Discounts

Pros

• Unbeatable Senior Savings: The Hartford’s exclusive AARP member discounts help Alton’s older motorists unlock some of the most affordable premiums available.
• Extensive AARP Network: With special savings and benefits for AARP’s extensive membership, The Hartford provides senior-centric coverage solutions for Alton drivers.
• Top-Rated Service: The Hartford’s strong customer satisfaction record gives Alton policyholders confidence, from initial enrollment to the claims process. Learn more in our The Hartford auto insurance review.

Cons

• Costlier for Younger Motorists: For Alton drivers outside The Hartford’s target demographic, premiums may be less competitive than age-inclusive alternatives.
• Fairly Basic Digital Tools: Compared to certain tech-forward competitors, The Hartford’s online and mobile policy management options can feel a bit sparse.

Alton, Illinois Basic Auto Insurance

In Alton, Illinois, you need the basic auto insurance to drive. This keeps you covered if there’s an accident. Check out the required coverage so you stay within the law and protect yourself.

• Property Damage Liability: $20,000 per accident
• Bodily Injury Liability: $25,000 per person and $50,000 per accident

Read More: Best Property Damage Liability (PDL) Auto Insurance Companies

Auto Insurance Costs by Age and Gender in Alton, Illinois

Age and insurance provider greatly affect vehicle insurance costs. Please see the table below to see how these factors impact Alton, Illinois, price depending on your specific attributes.

Alton, Illinois Full Coverage Auto Insurance Monthly Rates by Age & Gender

These figures lay bare how age, gender, and insurance provider shape what you pay. Young drivers, especially teenagers, get hit with higher premiums. Their risk is greater, and the cost reflects it. Learn more in our article titled “Why is my auto insurance score going down?”

Driving Record Influence on Auto Insurance in Alton, Illinois

If you’ve kept a clean record driving through Alton, down Broadway, or down College Avenue, chances are your insurance costs less. But get into an accident, catch a DUI, or snag even a single ticket anywhere in town, and you’ll see those premiums climb. The risk, they say, demands more.

Alton, Illinois Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance Rates After a DUI in Alton, Illinois

Here’s a snapshot of how monthly auto insurance rates in Alton, Illinois, shift after a DUI. By comparing auto insurance quotes in Alton from various providers, you can identify the best coverage options and rates tailored to your needs.

Alton, Illinois Full Coverage Auto Insurance Rates After a DUI

How Credit History Affects Insurance Rates in Alton, Illinois

Here is a breakdown of the monthly premiums offered by different providers, categorized by credit levels. Your financial situation can have an impact on the amount you pay.

Alton, Illinois Full Coverage Auto Insurance Monthly Rates by Credit Score

The data demonstrates that drivers with higher credit scores pay far lower rates than those with lower scores. Staying on top of your finances lets you choose a rate that fits your budget and protects you on Alton’s roads.

Prior to purchasing auto insurance in Alton, Illinois, it is important to compare rates from multiple companies. Get fast and cheap auto insurance coverage today with our quote comparison tool below.