Best Cheap Auto Insurance in Alton, IL (2021)

The average Alton, IL auto insurance rates are $321 per month. The minimum auto insurance in Alton is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Alton, Illinois, compare quotes from multiple companies.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Alton is 23.6 minutes
  • The minimum auto insurance required in Alton, Illinois is 25/50/20
  • The cheapest auto insurance company in Alton is State Farm

Alton, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Alton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Alton, Illinois, including driving record, credit, commute time, and more.

Compare auto insurance in Alton to other Illinois cities, including Springfield auto insurance rates, Champaign auto insurance rates, and Chicago auto insurance rates to see how Alton, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Alton, Illinois

Alton, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Alton, Illinois.

Minimum Required Auto Insurance Coverage in Alton, 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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Cheap Alton, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Alton, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Alton, 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 $3,642 $3,660 $3,816 $3,816 $9,518 $12,309 $4,376 $4,724
American Family $2,520 $2,520 $2,307 $2,307 $7,150 $9,916 $2,520 $3,250
Farmers $2,770 $2,777 $2,450 $2,601 $12,284 $12,837 $3,153 $3,279
GEICO $1,856 $1,894 $1,798 $2,194 $5,866 $6,121 $2,339 $2,224
Liberty Mutual $1,721 $1,861 $1,469 $1,645 $5,626 $6,230 $1,758 $1,815
Nationwide $3,038 $3,090 $2,689 $2,854 $8,630 $11,109 $3,566 $3,873
Progressive $2,629 $2,467 $2,169 $2,284 $9,745 $10,941 $3,122 $3,370
State Farm $1,455 $1,455 $1,309 $1,309 $4,493 $5,685 $1,647 $1,893
Travelers $1,736 $1,832 $1,593 $1,700 $5,168 $6,542 $1,839 $1,938
USAA $1,792 $1,824 $1,667 $1,643 $5,824 $6,418 $2,364 $2,601

Cheap Alton, Illinois Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Alton, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Alton, Illinois.

Annual Auto Insurance Rates for Teen Drivers in Alton, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,518 $12,309
American Family $7,150 $9,916
Farmers $12,284 $12,837
GEICO $5,866 $6,121
Liberty Mutual $5,626 $6,230
Nationwide $8,630 $11,109
Progressive $9,745 $10,941
State Farm $4,493 $5,685
Travelers $5,168 $6,542
USAA $5,824 $6,418

Cheap Alton, Illinois Auto Insurance for Seniors

What are senior auto insurance rates in Alton, Illinois? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Alton, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,816 $3,816
American Family $2,307 $2,307
Farmers $2,450 $2,601
GEICO $1,798 $2,194
Liberty Mutual $1,469 $1,645
Nationwide $2,689 $2,854
Progressive $2,169 $2,284
State Farm $1,309 $1,309
Travelers $1,593 $1,700
USAA $1,667 $1,643

Cheap Alton, Illinois Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Alton, Illinois compared to the annual auto insurance rates with a clean record in Alton, Illinois.

Annual Alton, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,060 $7,011 $6,484 $5,376
American Family $2,987 $4,229 $5,640 $3,389
Farmers $4,452 $5,745 $5,603 $5,275
GEICO $2,188 $3,088 $4,134 $2,736
Liberty Mutual $2,291 $3,285 $2,870 $2,617
Nationwide $3,886 $5,070 $5,985 $4,483
Progressive $3,769 $5,637 $4,186 $4,773
State Farm $2,191 $2,620 $2,406 $2,406
Travelers $2,212 $2,910 $3,269 $2,783
USAA $2,145 $3,091 $4,239 $2,591

Cheap Alton, Illinois Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Alton, Illinois is not easy. Compare the annual rates for DUI auto insurance in Alton, Illinois to find the best deal.

Annual Auto Insurance Rates After a DUI in Alton, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,484
American Family $5,640
Farmers $5,603
GEICO $4,134
Liberty Mutual $2,870
Nationwide $5,985
Progressive $4,186
State Farm $2,406
Travelers $3,269
USAA $4,239

Cheap Alton, Illinois Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Alton, Illinois annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Alton, Illinois

Insurance Company Poor Fair Good
Allstate $7,315 $5,267 $4,615
American Family $5,403 $3,675 $3,107
Farmers $5,975 $5,038 $4,793
GEICO $4,885 $2,376 $1,848
Liberty Mutual $3,924 $2,440 $1,933
Nationwide $5,817 $4,675 $4,076
Progressive $5,224 $4,441 $4,108
State Farm $3,495 $2,095 $1,626
Travelers $3,404 $2,748 $2,228
USAA $4,016 $2,760 $2,274

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Cheap Alton, Illinois Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Alton, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Alton, Illinois to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Alton, Illinois

ZIP Code Average Annual Rates
62002 $3,829

Cheap Alton, Illinois Auto Insurance Rates By Commute

Commute length and annual mileage affect Alton, Illinois auto insurance. Find the cheapest annual Alton, Illinois auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Alton, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,733 $5,733
American Family $4,009 $4,114
Farmers $5,269 $5,269
GEICO $2,980 $3,093
Liberty Mutual $2,766 $2,766
Nationwide $4,856 $4,856
Progressive $4,591 $4,591
State Farm $2,346 $2,466
Travelers $2,683 $2,904
USAA $2,932 $3,101

Cheap Alton, Illinois Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Alton, Illinois? Check out the comparison of annual Alton, Illinois auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Alton, Illinois

Insurance Company Low Medium High
Allstate $5,517 $5,726 $5,954
American Family $3,896 $4,211 $4,078
Farmers $4,976 $5,124 $5,708
GEICO $2,744 $3,020 $3,345
Liberty Mutual $2,555 $2,754 $2,987
Nationwide $4,802 $4,904 $4,862
Progressive $4,141 $4,568 $5,064
State Farm $2,260 $2,408 $2,549
Travelers $2,597 $2,790 $2,994
USAA $2,810 $3,014 $3,226

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Best By Category: Cheapest Auto Insurance in Alton, Illinois

Compare the cheapest auto insurance companies in Alton, Illinois in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Alton, Illinois

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

The Cheapest Alton, Illinois Auto Insurance Companies

What auto insurance companies in Alton, Illinois are the cheapest? Compare the top Alton, Illinois auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Alton, Illinois

Insurance Company Average Annual Rates
Allstate $5,733
American Family $4,061
Farmers $5,269
GEICO $3,036
Liberty Mutual $2,766
Nationwide $4,856
Progressive $4,591
State Farm $2,406
Travelers $2,793
USAA $3,017

What affects auto insurance rates in Alton, Illinois?

There are a lot of reasons why auto insurance rates in Alton, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Alton, Illinois. Many local factors may affect your Alton auto insurance rates.

Alton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Alton, Illinois commute length is 23.6 minutes according to City-Data.

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Compare Alton, Illinois Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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