Best Cheap Auto Insurance in Cortland, IL (2021)

The average Cortland, IL auto insurance rates are $260 per month. The minimum auto insurance in Cortland is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Cortland, 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

  • The most expensive auto insurance company in Cortland for teen drivers is Allstate
  • The cheapest auto insurance company in Cortland is Liberty Mutual
  • The average commute length in Cortland is 31.9 minutes

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

Compare auto insurance in Cortland to other Illinois cities, including Naperville auto insurance rates, Aurora auto insurance rates, and Waukegan auto insurance rates to see how Cortland, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Cortland, Illinois

Cortland, 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 Cortland, Illinois.

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

Auto insurance rates in Cortland, 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 Cortland, 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 $3,458 $3,473 $3,622 $3,622 $9,070 $11,808 $4,162 $4,501
American Family $2,218 $2,218 $2,037 $2,037 $6,388 $8,804 $2,218 $2,866
Farmers $2,270 $2,268 $2,010 $2,130 $9,990 $10,416 $2,599 $2,715
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,336 $1,439 $1,110 $1,237 $4,503 $5,002 $1,399 $1,475
Nationwide $1,783 $1,810 $1,591 $1,681 $4,888 $6,259 $2,077 $2,246
Progressive $1,797 $1,688 $1,486 $1,555 $6,730 $7,541 $2,141 $2,318
State Farm $1,357 $1,357 $1,224 $1,224 $4,046 $5,111 $1,537 $1,777
Travelers $1,521 $1,603 $1,406 $1,497 $4,561 $5,779 $1,606 $1,690
USAA $1,565 $1,596 $1,452 $1,431 $4,980 $5,508 $2,057 $2,266

Cheap Cortland, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Cortland, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,070 $11,808
American Family $6,388 $8,804
Farmers $9,990 $10,416
GEICO $4,524 $4,715
Liberty Mutual $4,503 $5,002
Nationwide $4,888 $6,259
Progressive $6,730 $7,541
State Farm $4,046 $5,111
Travelers $4,561 $5,779
USAA $4,980 $5,508

Cheap Cortland, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Cortland, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,622 $3,622
American Family $2,037 $2,037
Farmers $2,010 $2,130
GEICO $1,429 $1,724
Liberty Mutual $1,110 $1,237
Nationwide $1,591 $1,681
Progressive $1,486 $1,555
State Farm $1,224 $1,224
Travelers $1,406 $1,497
USAA $1,452 $1,431

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

Annual Cortland, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,874 $6,656 $6,202 $5,126
American Family $2,644 $3,762 $4,990 $2,998
Farmers $3,625 $4,685 $4,568 $4,320
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,821 $2,588 $2,274 $2,069
Nationwide $2,255 $2,910 $3,416 $2,586
Progressive $2,599 $3,874 $2,879 $3,276
State Farm $2,004 $2,404 $2,204 $2,204
Travelers $1,950 $2,562 $2,872 $2,447
USAA $1,864 $2,667 $3,650 $2,246

Cheap Cortland, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Cortland, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,202
American Family $4,990
Farmers $4,568
GEICO $3,243
Liberty Mutual $2,274
Nationwide $3,416
Progressive $2,879
State Farm $2,204
Travelers $2,872
USAA $3,650

Cheap Cortland, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Cortland, Illinois

Insurance Company Poor Fair Good
Allstate $6,959 $5,032 $4,403
American Family $4,771 $3,261 $2,763
Farmers $4,879 $4,111 $3,909
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,089 $1,934 $1,540
Nationwide $3,326 $2,691 $2,358
Progressive $3,588 $3,055 $2,828
State Farm $3,201 $1,920 $1,491
Travelers $2,990 $2,422 $1,962
USAA $3,481 $2,381 $1,959

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Cheap Cortland, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Cortland, Illinois

ZIP Code Average Annual Rates
60112 $3,075

Cheap Cortland, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Cortland, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,465 $5,465
American Family $3,553 $3,644
Farmers $4,300 $4,300
GEICO $2,338 $2,425
Liberty Mutual $2,188 $2,188
Nationwide $2,792 $2,792
Progressive $3,157 $3,157
State Farm $2,148 $2,260
Travelers $2,361 $2,554
USAA $2,534 $2,680

Cheap Cortland, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Cortland, Illinois

Insurance Company Low Medium High
Allstate $5,304 $5,460 $5,630
American Family $3,447 $3,731 $3,617
Farmers $4,082 $4,193 $4,623
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,075 $2,184 $2,304
Nationwide $2,749 $2,820 $2,806
Progressive $2,895 $3,148 $3,428
State Farm $2,076 $2,207 $2,329
Travelers $2,286 $2,454 $2,633
USAA $2,450 $2,605 $2,766

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Best By Category: Cheapest Auto Insurance in Cortland, Illinois

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

Best Annual Auto Insurance Rates by Company in Cortland, Illinois

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

The Cheapest Cortland, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Cortland, Illinois

Insurance Company Average Annual Rates
Allstate $5,465
American Family $3,598
Farmers $4,300
GEICO $2,382
Liberty Mutual $2,188
Nationwide $2,792
Progressive $3,157
State Farm $2,204
Travelers $2,458
USAA $2,607

What affects auto insurance rates in Cortland, Illinois?

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

Cortland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cortland, Illinois commute length is 31.9 minutes according to City-Data.

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Compare Cortland, Illinois Auto Insurance Quotes

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