Best Cheap Auto Insurance in Coal City, IL (2021)

The average Coal City, IL auto insurance rates are $268 per month. The minimum auto insurance in Coal City is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Coal City, Illinois, compare quotes from multiple companies.

Free Auto Insurance Comparison

secured lock Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 4, 2022

Advertiser Disclosure

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.

Things to Remember

  • Average auto insurance rates in Coal City, IL for senior drivers are $1,818 per year
  • The most expensive auto insurance company in Coal City for teen drivers is Farmers
  • The cheapest auto insurance company in Coal City is State Farm

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

Compare auto insurance in Coal City to other Illinois cities, including Elgin auto insurance rates, Naperville auto insurance rates, and Joliet auto insurance rates to see how Coal City, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Coal City, Illinois

Coal City, 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 Coal City, Illinois.

Minimum Required Auto Insurance Coverage in Coal City, 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

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Cheap Coal City, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Coal City, 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 Coal City, 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 $3,453 $3,468 $3,618 $3,618 $9,036 $11,754 $4,156 $4,493
American Family $2,263 $2,263 $2,076 $2,076 $6,479 $8,948 $2,263 $2,922
Farmers $2,483 $2,484 $2,199 $2,329 $10,839 $11,311 $2,836 $2,962
GEICO $1,531 $1,563 $1,488 $1,651 $5,347 $5,552 $1,734 $1,812
Liberty Mutual $1,391 $1,500 $1,154 $1,290 $4,758 $5,291 $1,453 $1,529
Nationwide $1,682 $1,706 $1,503 $1,585 $4,616 $5,894 $1,959 $2,114
Progressive $1,987 $1,884 $1,640 $1,707 $7,144 $8,026 $2,379 $2,585
State Farm $1,389 $1,389 $1,248 $1,248 $4,032 $5,122 $1,571 $1,797
Travelers $1,518 $1,600 $1,396 $1,486 $4,488 $5,658 $1,605 $1,690
USAA $1,646 $1,691 $1,528 $1,521 $5,146 $5,708 $2,172 $2,413

Cheap Coal City, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Coal City, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,036 $11,754
American Family $6,479 $8,948
Farmers $10,839 $11,311
GEICO $5,347 $5,552
Liberty Mutual $4,758 $5,291
Nationwide $4,616 $5,894
Progressive $7,144 $8,026
State Farm $4,032 $5,122
Travelers $4,488 $5,658
USAA $5,146 $5,708

Cheap Coal City, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Coal City, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,618 $3,618
American Family $2,076 $2,076
Farmers $2,199 $2,329
GEICO $1,488 $1,651
Liberty Mutual $1,154 $1,290
Nationwide $1,503 $1,585
Progressive $1,640 $1,707
State Farm $1,248 $1,248
Travelers $1,396 $1,486
USAA $1,528 $1,521

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

Annual Coal City, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,867 $6,647 $6,171 $5,113
American Family $2,691 $3,826 $5,078 $3,051
Farmers $3,952 $5,099 $4,972 $4,699
GEICO $1,747 $2,834 $3,703 $2,055
Liberty Mutual $1,909 $2,720 $2,385 $2,169
Nationwide $2,133 $2,743 $3,213 $2,441
Progressive $2,820 $4,177 $3,118 $3,562
State Farm $2,029 $2,420 $2,225 $2,225
Travelers $1,932 $2,535 $2,831 $2,423
USAA $1,955 $2,785 $3,820 $2,352

Cheap Coal City, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Coal City, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,171
American Family $5,078
Farmers $4,972
GEICO $3,703
Liberty Mutual $2,385
Nationwide $3,213
Progressive $3,118
State Farm $2,225
Travelers $2,831
USAA $3,820

Cheap Coal City, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Coal City, Illinois

Insurance Company Poor Fair Good
Allstate $6,949 $5,012 $4,387
American Family $4,859 $3,317 $2,808
Farmers $5,311 $4,474 $4,256
GEICO $4,144 $2,028 $1,582
Liberty Mutual $3,242 $2,030 $1,615
Nationwide $3,134 $2,540 $2,224
Progressive $3,892 $3,307 $3,058
State Farm $3,231 $1,938 $1,505
Travelers $2,958 $2,392 $1,940
USAA $3,649 $2,490 $2,046

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Cheap Coal City, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Coal City, Illinois

ZIP Code Average Annual Rates
60416 $3,173

Cheap Coal City, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Coal City, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,450 $5,450
American Family $3,615 $3,708
Farmers $4,681 $4,681
GEICO $2,539 $2,630
Liberty Mutual $2,296 $2,296
Nationwide $2,632 $2,632
Progressive $3,419 $3,419
State Farm $2,167 $2,283
Travelers $2,335 $2,525
USAA $2,651 $2,805

Cheap Coal City, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Coal City, Illinois

Insurance Company Low Medium High
Allstate $5,275 $5,444 $5,629
American Family $3,511 $3,796 $3,677
Farmers $4,445 $4,565 $5,032
GEICO $2,340 $2,578 $2,836
Liberty Mutual $2,165 $2,291 $2,431
Nationwide $2,596 $2,658 $2,643
Progressive $3,181 $3,413 $3,663
State Farm $2,085 $2,228 $2,361
Travelers $2,272 $2,427 $2,592
USAA $2,560 $2,725 $2,900

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Coal City, Illinois

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

Best Annual Auto Insurance Rates by Company in Coal City, Illinois

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

The Cheapest Coal City, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Coal City, Illinois

Insurance Company Average Annual Rates
Allstate $5,450
American Family $3,662
Farmers $4,681
GEICO $2,585
Liberty Mutual $2,296
Nationwide $2,632
Progressive $3,419
State Farm $2,225
Travelers $2,430
USAA $2,728

What affects auto insurance rates in Coal City, Illinois?

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

Coal City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Coal City, Illinois commute length is 29.1 minutes according to City-Data.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Compare Coal City, Illinois Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption