Best Cheap Auto Insurance in Chatham, IL (2021)

The average Chatham, IL auto insurance rates are $256 per month. The minimum auto insurance in Chatham is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Chatham, Illinois, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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

  • Average auto insurance rates in Chatham, IL for senior drivers are $1,745 per year
  • The most expensive auto insurance company in Chatham for teen drivers is Farmers
  • The minimum auto insurance required in Chatham, Illinois is 25/50/20

Chatham, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Chatham 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 Chatham, Illinois, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Chatham, Illinois

Chatham, 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 Chatham, Illinois.

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

Auto insurance rates in Chatham, 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 Chatham, 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 $2,934 $2,948 $3,060 $3,060 $7,553 $9,811 $3,524 $3,807
American Family $2,115 $2,115 $1,937 $1,937 $5,956 $8,256 $2,115 $2,726
Farmers $2,274 $2,274 $2,016 $2,132 $9,812 $10,233 $2,602 $2,725
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,391 $1,502 $1,151 $1,287 $4,534 $5,048 $1,459 $1,544
Nationwide $1,723 $1,750 $1,536 $1,623 $4,751 $6,080 $2,009 $2,171
Progressive $1,946 $1,837 $1,608 $1,676 $7,160 $8,037 $2,327 $2,528
State Farm $1,412 $1,412 $1,266 $1,266 $4,122 $5,221 $1,598 $1,842
Travelers $1,537 $1,621 $1,401 $1,492 $4,436 $5,548 $1,631 $1,717
USAA $1,695 $1,726 $1,574 $1,552 $5,485 $6,055 $2,235 $2,459

Cheap Chatham, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chatham, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,553 $9,811
American Family $5,956 $8,256
Farmers $9,812 $10,233
GEICO $4,847 $5,129
Liberty Mutual $4,534 $5,048
Nationwide $4,751 $6,080
Progressive $7,160 $8,037
State Farm $4,122 $5,221
Travelers $4,436 $5,548
USAA $5,485 $6,055

Cheap Chatham, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chatham, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,060 $3,060
American Family $1,937 $1,937
Farmers $2,016 $2,132
GEICO $1,521 $1,797
Liberty Mutual $1,151 $1,287
Nationwide $1,536 $1,623
Progressive $1,608 $1,676
State Farm $1,266 $1,266
Travelers $1,401 $1,492
USAA $1,574 $1,552

Cheap Chatham, 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 Chatham, Illinois compared to the annual auto insurance rates with a clean record in Chatham, Illinois.

Annual Chatham, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,298 $5,563 $5,175 $4,313
American Family $2,492 $3,557 $4,702 $2,827
Farmers $3,594 $4,636 $4,520 $4,285
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,870 $2,642 $2,327 $2,118
Nationwide $2,186 $2,820 $3,310 $2,506
Progressive $2,792 $4,153 $3,090 $3,524
State Farm $2,067 $2,467 $2,267 $2,267
Travelers $1,932 $2,532 $2,808 $2,419
USAA $2,029 $2,916 $3,998 $2,447

Cheap Chatham, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chatham, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,175
American Family $4,702
Farmers $4,520
GEICO $3,482
Liberty Mutual $2,327
Nationwide $3,310
Progressive $3,090
State Farm $2,267
Travelers $2,808
USAA $3,998

Cheap Chatham, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Chatham, Illinois

Insurance Company Poor Fair Good
Allstate $5,855 $4,218 $3,688
American Family $4,513 $3,071 $2,599
Farmers $4,838 $4,068 $3,870
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,167 $1,976 $1,576
Nationwide $3,222 $2,609 $2,285
Progressive $3,852 $3,280 $3,037
State Farm $3,298 $1,974 $1,530
Travelers $2,954 $2,381 $1,933
USAA $3,795 $2,603 $2,144

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Cheap Chatham, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Chatham, Illinois

ZIP Code Average Annual Rates
62629 $3,029

Cheap Chatham, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Chatham, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,587 $4,587
American Family $3,351 $3,438
Farmers $4,259 $4,259
GEICO $2,519 $2,617
Liberty Mutual $2,239 $2,239
Nationwide $2,705 $2,705
Progressive $3,390 $3,390
State Farm $2,210 $2,325
Travelers $2,328 $2,518
USAA $2,767 $2,927

Cheap Chatham, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Chatham, Illinois

Insurance Company Low Medium High
Allstate $4,446 $4,583 $4,733
American Family $3,274 $3,518 $3,391
Farmers $4,053 $4,158 $4,565
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,121 $2,235 $2,362
Nationwide $2,689 $2,729 $2,698
Progressive $3,138 $3,385 $3,647
State Farm $2,144 $2,272 $2,386
Travelers $2,285 $2,420 $2,564
USAA $2,663 $2,845 $3,035

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Best By Category: Cheapest Auto Insurance in Chatham, Illinois

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

Best Annual Auto Insurance Rates by Company in Chatham, Illinois

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

The Cheapest Chatham, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chatham, Illinois

Insurance Company Average Annual Rates
Allstate $4,587
American Family $3,394
Farmers $4,259
GEICO $2,568
Liberty Mutual $2,239
Nationwide $2,705
Progressive $3,390
State Farm $2,267
Travelers $2,423
USAA $2,847

What affects auto insurance rates in Chatham, Illinois?

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

Chatham Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chatham, Illinois commute length is 21.8 minutes according to City-Data.

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Compare Chatham, Illinois Auto Insurance Quotes

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