Best Cheap Auto Insurance in Freeport, IL (2021)

The average Freeport, IL auto insurance rates are $249 per month. The minimum auto insurance in Freeport is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Freeport, Illinois, compare quotes from multiple companies.

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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...

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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 Freeport is State Farm
  • The minimum auto insurance required in Freeport, Illinois is 25/50/20
  • Average auto insurance rates in Freeport, IL for senior drivers are $1,710 per year

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

Compare auto insurance in Freeport to other Illinois cities, including Champaign auto insurance rates, Aurora auto insurance rates, and Peoria auto insurance rates to see how Freeport, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Freeport, Illinois

Freeport, 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 Freeport, Illinois.

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

Auto insurance rates in Freeport, 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 Freeport, 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 $3,209 $3,224 $3,354 $3,354 $8,342 $10,860 $3,860 $4,174
American Family $2,217 $2,217 $2,034 $2,034 $6,337 $8,753 $2,217 $2,863
Farmers $2,257 $2,259 $2,003 $2,118 $9,660 $10,073 $2,576 $2,696
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,330 $1,434 $1,107 $1,235 $4,367 $4,853 $1,390 $1,467
Nationwide $1,487 $1,513 $1,329 $1,405 $3,961 $5,072 $1,719 $1,858
Progressive $1,850 $1,744 $1,525 $1,599 $6,774 $7,602 $2,200 $2,381
State Farm $1,331 $1,331 $1,185 $1,185 $3,782 $4,793 $1,504 $1,732
Travelers $1,490 $1,572 $1,361 $1,450 $4,294 $5,382 $1,579 $1,663
USAA $1,498 $1,521 $1,395 $1,371 $4,862 $5,356 $1,970 $2,159

Cheap Freeport, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Freeport, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,342 $10,860
American Family $6,337 $8,753
Farmers $9,660 $10,073
GEICO $4,524 $4,715
Liberty Mutual $4,367 $4,853
Nationwide $3,961 $5,072
Progressive $6,774 $7,602
State Farm $3,782 $4,793
Travelers $4,294 $5,382
USAA $4,862 $5,356

Cheap Freeport, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Freeport, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,354 $3,354
American Family $2,034 $2,034
Farmers $2,003 $2,118
GEICO $1,429 $1,724
Liberty Mutual $1,107 $1,235
Nationwide $1,329 $1,405
Progressive $1,525 $1,599
State Farm $1,185 $1,185
Travelers $1,361 $1,450
USAA $1,395 $1,371

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

Annual Freeport, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,605 $6,130 $5,712 $4,740
American Family $2,633 $3,748 $4,970 $2,986
Farmers $3,552 $4,576 $4,463 $4,229
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,791 $2,536 $2,232 $2,032
Nationwide $1,857 $2,389 $2,800 $2,126
Progressive $2,644 $3,927 $2,929 $3,337
State Farm $1,927 $2,284 $2,105 $2,105
Travelers $1,871 $2,449 $2,731 $2,345
USAA $1,794 $2,581 $3,528 $2,162

Cheap Freeport, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Freeport, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,712
American Family $4,970
Farmers $4,463
GEICO $3,243
Liberty Mutual $2,232
Nationwide $2,800
Progressive $2,929
State Farm $2,105
Travelers $2,731
USAA $3,528

Cheap Freeport, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Freeport, Illinois

Insurance Company Poor Fair Good
Allstate $6,434 $4,645 $4,062
American Family $4,757 $3,246 $2,749
Farmers $4,781 $4,015 $3,820
GEICO $3,813 $1,870 $1,461
Liberty Mutual $3,035 $1,897 $1,512
Nationwide $2,730 $2,209 $1,940
Progressive $3,656 $3,104 $2,868
State Farm $3,062 $1,833 $1,422
Travelers $2,866 $2,307 $1,874
USAA $3,347 $2,303 $1,900

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Cheap Freeport, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Freeport, Illinois

ZIP Code Average Annual Rates
61032 $2,938

Cheap Freeport, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Freeport, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,047 $5,047
American Family $3,538 $3,630
Farmers $4,205 $4,205
GEICO $2,338 $2,425
Liberty Mutual $2,148 $2,148
Nationwide $2,293 $2,293
Progressive $3,209 $3,209
State Farm $2,053 $2,158
Travelers $2,257 $2,441
USAA $2,446 $2,587

Cheap Freeport, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Freeport, Illinois

Insurance Company Low Medium High
Allstate $4,902 $5,043 $5,197
American Family $3,443 $3,716 $3,593
Farmers $3,999 $4,104 $4,512
GEICO $2,164 $2,374 $2,607
Liberty Mutual $2,032 $2,143 $2,268
Nationwide $2,276 $2,311 $2,292
Progressive $2,921 $3,198 $3,508
State Farm $2,000 $2,109 $2,207
Travelers $2,203 $2,346 $2,497
USAA $2,344 $2,513 $2,692

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Best By Category: Cheapest Auto Insurance in Freeport, Illinois

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

Best Annual Auto Insurance Rates by Company in Freeport, 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 Liberty Mutual

The Cheapest Freeport, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Freeport, Illinois

Insurance Company Average Annual Rates
Allstate $5,047
American Family $3,584
Farmers $4,205
GEICO $2,382
Liberty Mutual $2,148
Nationwide $2,293
Progressive $3,209
State Farm $2,105
Travelers $2,349
USAA $2,516

What affects auto insurance rates in Freeport, Illinois?

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

Freeport Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Freeport, Illinois commute length is 19.7 minutes according to City-Data.

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Compare Freeport, Illinois Auto Insurance Quotes

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