Beecher, IL Auto Insurance (2023)
The average Beecher, IL auto insurance rates are $286 per month. The minimum auto insurance in Beecher is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Beecher, Illinois, compare quotes from multiple companies.
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Joel Ohman
CEO and CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
CEO and CFP®
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Beecher, IL for senior drivers are $1,927 per year
- The minimum auto insurance required in Beecher, Illinois is 25/50/20
- The cheapest auto insurance company in Beecher is Liberty Mutual
Beecher, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Beecher 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 Beecher, Illinois, including driving record, credit, commute time, and more.
Compare auto insurance in Beecher to other Illinois cities, including Naperville auto insurance rates, Peoria auto insurance rates, and Waukegan auto insurance rates to see how Beecher, Illinois auto insurance rates stack up.
Before you buy Beecher, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Beecher, Illinois auto insurance quotes.
Minimum Auto Insurance in Beecher, Illinois
Beecher, 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 Beecher, 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 Beecher, Illinois Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Beecher, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,439 | $3,454 | $3,608 | $3,608 | $9,051 | $11,778 | $4,141 | $4,478 |
| American Family | $2,528 | $2,528 | $2,317 | $2,317 | $7,224 | $9,990 | $2,528 | $3,268 |
| Farmers | $2,524 | $2,520 | $2,235 | $2,367 | $11,070 | $11,538 | $2,887 | $3,012 |
| Geico | $1,784 | $1,834 | $1,744 | $1,950 | $6,375 | $6,643 | $2,053 | $2,142 |
| Liberty Mutual | $1,298 | $1,398 | $1,075 | $1,201 | $4,562 | $5,078 | $1,355 | $1,425 |
| Nationwide | $1,978 | $2,011 | $1,760 | $1,862 | $5,525 | $7,079 | $2,312 | $2,502 |
| Progressive | $2,159 | $2,026 | $1,787 | $1,872 | $8,056 | $9,026 | $2,572 | $2,776 |
| State Farm | $1,527 | $1,527 | $1,376 | $1,376 | $4,505 | $5,701 | $1,728 | $1,991 |
| Travelers | $1,620 | $1,708 | $1,498 | $1,595 | $4,904 | $6,214 | $1,713 | $1,803 |
| USAA | $1,623 | $1,650 | $1,506 | $1,480 | $5,267 | $5,815 | $2,138 | $2,345 |
Cheap Beecher, Illinois Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Beecher, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Beecher, Illinois.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,051 | $11,778 |
| American Family | $7,224 | $9,990 |
| Farmers | $11,070 | $11,538 |
| Geico | $6,375 | $6,643 |
| Liberty Mutual | $4,562 | $5,078 |
| Nationwide | $5,525 | $7,079 |
| Progressive | $8,056 | $9,026 |
| State Farm | $4,505 | $5,701 |
| Travelers | $4,904 | $6,214 |
| USAA | $5,267 | $5,815 |
Cheap Beecher, Illinois Auto Insurance for Seniors
What are senior auto insurance rates in Beecher, Illinois? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,608 | $3,608 |
| American Family | $2,317 | $2,317 |
| Farmers | $2,235 | $2,367 |
| Geico | $1,744 | $1,950 |
| Liberty Mutual | $1,075 | $1,201 |
| Nationwide | $1,760 | $1,862 |
| Progressive | $1,787 | $1,872 |
| State Farm | $1,376 | $1,376 |
| Travelers | $1,498 | $1,595 |
| USAA | $1,506 | $1,480 |
Cheap Beecher, 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 Beecher, Illinois compared to the annual auto insurance rates with a clean record in Beecher, Illinois.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,846 | $6,648 | $6,179 | $5,105 |
| American Family | $3,006 | $4,255 | $5,678 | $3,410 |
| Farmers | $4,022 | $5,198 | $5,067 | $4,789 |
| Geico | $2,070 | $3,243 | $4,517 | $2,432 |
| Liberty Mutual | $1,807 | $2,579 | $2,257 | $2,053 |
| Nationwide | $2,523 | $3,263 | $3,834 | $2,896 |
| Progressive | $3,111 | $4,648 | $3,449 | $3,929 |
| State Farm | $2,245 | $2,688 | $2,467 | $2,467 |
| Travelers | $2,086 | $2,745 | $3,076 | $2,621 |
| USAA | $1,944 | $2,795 | $3,828 | $2,344 |
Cheap Beecher, Illinois Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Beecher, Illinois is not easy. Compare the annual rates for DUI auto insurance in Beecher, Illinois to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,179 |
| American Family | $5,678 |
| Farmers | $5,067 |
| Geico | $4,517 |
| Liberty Mutual | $2,257 |
| Nationwide | $3,834 |
| Progressive | $3,449 |
| State Farm | $2,467 |
| Travelers | $3,076 |
| USAA | $3,828 |
Cheap Beecher, Illinois Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Beecher, Illinois annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,935 | $5,012 | $4,387 |
| American Family | $5,432 | $3,700 | $3,130 |
| Farmers | $5,409 | $4,561 | $4,338 |
| Geico | $4,932 | $2,400 | $1,866 |
| Liberty Mutual | $3,065 | $1,925 | $1,531 |
| Nationwide | $3,735 | $3,017 | $2,635 |
| Progressive | $4,302 | $3,661 | $3,390 |
| State Farm | $3,581 | $2,149 | $1,669 |
| Travelers | $3,200 | $2,595 | $2,100 |
| USAA | $3,636 | $2,494 | $2,053 |
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Cheap Beecher, Illinois Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Beecher, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Beecher, Illinois to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 60401 | $3,389 |
Cheap Beecher, Illinois Auto Insurance Rates By Commute
Commute length and annual mileage affect Beecher, Illinois auto insurance. Find the cheapest annual Beecher, Illinois auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,444 | $5,444 |
| American Family | $4,035 | $4,140 |
| Farmers | $4,769 | $4,769 |
| Geico | $3,012 | $3,120 |
| Liberty Mutual | $2,174 | $2,174 |
| Nationwide | $3,129 | $3,129 |
| Progressive | $3,784 | $3,784 |
| State Farm | $2,404 | $2,529 |
| Travelers | $2,528 | $2,736 |
| USAA | $2,651 | $2,804 |
Cheap Beecher, Illinois Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Beecher, Illinois? Check out the comparison of annual Beecher, Illinois auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,273 | $5,439 | $5,621 |
| American Family | $3,939 | $4,237 | $4,086 |
| Farmers | $4,534 | $4,656 | $5,118 |
| Geico | $2,774 | $3,054 | $3,369 |
| Liberty Mutual | $2,043 | $2,169 | $2,310 |
| Nationwide | $3,112 | $3,154 | $3,121 |
| Progressive | $3,471 | $3,768 | $4,114 |
| State Farm | $2,319 | $2,470 | $2,611 |
| Travelers | $2,449 | $2,628 | $2,818 |
| USAA | $2,557 | $2,725 | $2,901 |
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Best By Category: Cheapest Auto Insurance in Beecher, Illinois
Compare the cheapest auto insurance companies in Beecher, Illinois in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
The Cheapest Beecher, Illinois Auto Insurance Companies
What auto insurance companies in Beecher, Illinois are the cheapest? Compare the top Beecher, Illinois auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,444 |
| American Family | $4,087 |
| Farmers | $4,769 |
| Geico | $3,066 |
| Liberty Mutual | $2,174 |
| Nationwide | $3,129 |
| Progressive | $3,784 |
| State Farm | $2,467 |
| Travelers | $2,632 |
| USAA | $2,728 |
What affects auto insurance rates in Beecher, Illinois?
There are a lot of reasons why auto insurance rates in Beecher, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Beecher, Illinois. Many local factors may affect your Beecher auto insurance rates.
Beecher Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Beecher, Illinois commute length is 24.2 minutes according to City-Data.
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Compare Beecher, Illinois Auto Insurance Quotes
Before you buy Beecher, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Beecher, Illinois auto insurance quotes.
Frequently Asked Questions
What is auto insurance and why is it important in Beecher, IL?
Auto insurance is a contract between a vehicle owner and an insurance company, providing financial protection in the event of an accident or damage to the vehicle. In Beecher, IL, auto insurance is essential because it is mandatory by law to have minimum liability coverage. Additionally, it helps protect you from potential financial liabilities resulting from accidents, theft, or other unforeseen events.
What are the minimum auto insurance requirements in Beecher, IL?
In Beecher, IL, the minimum auto insurance requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
Can I drive without auto insurance in Beecher, IL?
No, it is illegal to drive without auto insurance in Beecher, IL. The state requires all drivers to have at least the minimum liability coverage. Failure to comply with this requirement can result in penalties, fines, license suspension, and other legal consequences.
What factors can affect my auto insurance premiums in Beecher, IL?
Several factors can influence your auto insurance premiums in Beecher, IL, including:
- Age and gender
- Driving history and record
- Type of vehicle
- Annual mileage
- Credit score
- Coverage limits and deductibles
Are there any discounts available for auto insurance in Beecher, IL?
Yes, various discounts may be available to help you save on your auto insurance premiums in Beecher, IL. Common discounts include:
- Safe driver discounts
- Multi-policy discounts (bundling auto and home insurance)
- Good student discounts
- Anti-theft device discounts
- Defensive driving course discounts
Should I consider additional coverage options beyond the minimum requirements?
While the minimum liability coverage is required, it may not provide comprehensive protection. Considering additional coverage options, such as collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage, can provide greater financial security in case of accidents, theft, or injuries.
How can I find affordable auto insurance in Beecher, IL?
To find affordable auto insurance in Beecher, IL, you can follow these steps:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record.
- Inquire about available discounts.
- Consider increasing deductibles to lower premiums.
- Review and update your coverage periodically to ensure it aligns with your needs.
What should I do if I’m involved in an accident in Beecher, IL?
If you’re involved in an accident in Beecher, IL, follow these steps:
- Check for injuries and call emergency services if necessary.
- Exchange information with the other party involved, including names, contact details, and insurance information.
- Document the accident scene, taking photos and gathering witness information if possible.
- Notify your insurance company about the incident.
- Cooperate with law enforcement and provide accurate information.
- Seek medical attention for any injuries.
- Consult with your insurance provider for further guidance and assistance.
Can my auto insurance policy cover rental cars in Beecher, IL?
It depends on your specific auto insurance policy. Some policies may offer coverage for rental cars, but it’s important to review your policy or contact your insurance provider to understand the extent of coverage and any limitations or additional requirements that may apply.
What should I do if I receive a traffic violation ticket in Beecher, IL?
If you receive a traffic violation ticket in Beecher, IL, consider the following:
- Review the ticket carefully and understand the violation and potential penalties.
- Pay the fine by the due date or consider contesting the ticket in court if you believe it was unjustified.
- Inform your insurance provider about the violation, as it may affect your premiums.
- Consult with a legal professional if you need guidance on how to proceed or contest the ticket.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Joel Ohman
CEO and CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
CEO and CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.