Best Cheap Auto Insurance in Forest Lake, IL (2021)

The average Forest Lake, IL auto insurance rates are $288 per month. The minimum auto insurance in Forest Lake is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Forest Lake, 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 cheapest auto insurance company in Forest Lake is Liberty Mutual
  • Average auto insurance rates in Forest Lake, IL for senior drivers are $1,928 per year
  • The minimum auto insurance required in Forest Lake, Illinois is 25/50/20

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

Compare auto insurance in Forest Lake to other Illinois cities, including Waukegan auto insurance rates, Peoria auto insurance rates, and Aurora auto insurance rates to see how Forest Lake, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Forest Lake, Illinois

Forest Lake, 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 Forest Lake, Illinois.

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

Auto insurance rates in Forest Lake, 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 Forest Lake, 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 $3,766 $3,783 $3,953 $3,953 $9,983 $12,957 $4,530 $4,898
American Family $2,356 $2,356 $2,166 $2,166 $6,859 $9,436 $2,356 $3,050
Farmers $2,568 $2,567 $2,267 $2,407 $11,647 $12,167 $2,937 $3,055
GEICO $1,799 $1,856 $1,755 $1,970 $6,746 $6,990 $2,109 $2,191
Liberty Mutual $1,479 $1,592 $1,225 $1,368 $5,245 $5,825 $1,544 $1,622
Nationwide $1,722 $1,743 $1,541 $1,623 $4,716 $6,013 $2,006 $2,163
Progressive $2,101 $1,958 $1,744 $1,828 $8,114 $9,086 $2,497 $2,696
State Farm $1,500 $1,500 $1,358 $1,358 $4,809 $6,070 $1,702 $1,966
Travelers $1,639 $1,727 $1,523 $1,621 $5,044 $6,416 $1,731 $1,820
USAA $1,488 $1,506 $1,386 $1,358 $4,831 $5,307 $1,948 $2,129

Cheap Forest Lake, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Forest Lake, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,983 $12,957
American Family $6,859 $9,436
Farmers $11,647 $12,167
GEICO $6,746 $6,990
Liberty Mutual $5,245 $5,825
Nationwide $4,716 $6,013
Progressive $8,114 $9,086
State Farm $4,809 $6,070
Travelers $5,044 $6,416
USAA $4,831 $5,307

Cheap Forest Lake, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Forest Lake, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,953 $3,953
American Family $2,166 $2,166
Farmers $2,267 $2,407
GEICO $1,755 $1,970
Liberty Mutual $1,225 $1,368
Nationwide $1,541 $1,623
Progressive $1,744 $1,828
State Farm $1,358 $1,358
Travelers $1,523 $1,621
USAA $1,386 $1,358

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

Annual Forest Lake, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,197 $7,305 $6,814 $5,596
American Family $2,824 $4,008 $5,337 $3,203
Farmers $4,176 $5,404 $5,269 $4,957
GEICO $2,113 $3,426 $4,690 $2,478
Liberty Mutual $2,062 $2,955 $2,585 $2,349
Nationwide $2,183 $2,803 $3,281 $2,496
Progressive $3,079 $4,629 $3,419 $3,885
State Farm $2,296 $2,769 $2,533 $2,533
Travelers $2,131 $2,811 $3,143 $2,675
USAA $1,778 $2,560 $3,494 $2,145

Cheap Forest Lake, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Forest Lake, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,814
American Family $5,337
Farmers $5,269
GEICO $4,690
Liberty Mutual $2,585
Nationwide $3,281
Progressive $3,419
State Farm $2,533
Travelers $3,143
USAA $3,494

Cheap Forest Lake, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Forest Lake, Illinois

Insurance Company Poor Fair Good
Allstate $7,598 $5,511 $4,825
American Family $5,092 $3,484 $2,952
Farmers $5,601 $4,743 $4,511
GEICO $5,113 $2,485 $1,932
Liberty Mutual $3,514 $2,202 $1,746
Nationwide $3,203 $2,597 $2,273
Progressive $4,253 $3,635 $3,371
State Farm $3,685 $2,204 $1,709
Travelers $3,263 $2,659 $2,148
USAA $3,313 $2,284 $1,886

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Cheap Forest Lake, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Forest Lake, Illinois

ZIP Code Average Annual Rates
60047 $3,429

Cheap Forest Lake, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Forest Lake, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,978 $5,978
American Family $3,794 $3,892
Farmers $4,952 $4,952
GEICO $3,125 $3,229
Liberty Mutual $2,488 $2,488
Nationwide $2,691 $2,691
Progressive $3,753 $3,753
State Farm $2,469 $2,597
Travelers $2,584 $2,796
USAA $2,424 $2,564

Cheap Forest Lake, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Forest Lake, Illinois

Insurance Company Low Medium High
Allstate $5,791 $5,973 $6,170
American Family $3,675 $3,985 $3,869
Farmers $4,684 $4,819 $5,352
GEICO $2,894 $3,180 $3,456
Liberty Mutual $2,351 $2,483 $2,629
Nationwide $2,630 $2,721 $2,722
Progressive $3,396 $3,741 $4,122
State Farm $2,380 $2,539 $2,679
Travelers $2,504 $2,686 $2,880
USAA $2,319 $2,492 $2,671

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Best By Category: Cheapest Auto Insurance in Forest Lake, Illinois

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

Best Annual Auto Insurance Rates by Company in Forest Lake, Illinois

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

The Cheapest Forest Lake, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Forest Lake, Illinois

Insurance Company Average Annual Rates
Allstate $5,978
American Family $3,843
Farmers $4,952
GEICO $3,177
Liberty Mutual $2,488
Nationwide $2,691
Progressive $3,753
State Farm $2,533
Travelers $2,690
USAA $2,494

What affects auto insurance rates in Forest Lake, Illinois?

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

Forest Lake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Forest Lake, Illinois commute length is 27.8 minutes according to City-Data.

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Compare Forest Lake, Illinois Auto Insurance Quotes

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