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

The average Gibson City, IL auto insurance rates are $242 per month. The minimum auto insurance in Gibson City is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Gibson City, 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 average commute length in Gibson City is 23.2 minutes
  • The minimum auto insurance required in Gibson City, Illinois is 25/50/20
  • The most expensive auto insurance company in Gibson City for teen drivers is Farmers

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

Compare auto insurance in Gibson City to other Illinois cities, including Waukegan auto insurance rates, Elgin auto insurance rates, and Chicago auto insurance rates to see how Gibson City, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Gibson City, Illinois

Gibson 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 Gibson City, Illinois.

Minimum Required Auto Insurance Coverage in Gibson 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

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

Auto insurance rates in Gibson 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 Gibson 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 $2,953 $2,967 $3,074 $3,074 $7,561 $9,833 $3,547 $3,833
American Family $2,205 $2,205 $2,021 $2,021 $6,253 $8,653 $2,205 $2,847
Farmers $2,177 $2,177 $1,933 $2,042 $9,259 $9,648 $2,487 $2,603
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,294 $1,396 $1,077 $1,203 $4,271 $4,751 $1,351 $1,425
Nationwide $1,726 $1,758 $1,536 $1,628 $4,722 $6,058 $2,007 $2,173
Progressive $1,699 $1,603 $1,399 $1,472 $6,112 $6,846 $2,016 $2,168
State Farm $1,255 $1,255 $1,118 $1,118 $3,551 $4,509 $1,418 $1,627
Travelers $1,322 $1,393 $1,197 $1,274 $3,654 $4,527 $1,402 $1,475
USAA $1,719 $1,765 $1,598 $1,592 $5,442 $6,030 $2,275 $2,525

Cheap Gibson City, Illinois Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,561 $9,833
American Family $6,253 $8,653
Farmers $9,259 $9,648
GEICO $4,375 $4,641
Liberty Mutual $4,271 $4,751
Nationwide $4,722 $6,058
Progressive $6,112 $6,846
State Farm $3,551 $4,509
Travelers $3,654 $4,527
USAA $5,442 $6,030

Cheap Gibson City, Illinois Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,074 $3,074
American Family $2,021 $2,021
Farmers $1,933 $2,042
GEICO $1,364 $1,612
Liberty Mutual $1,077 $1,203
Nationwide $1,536 $1,628
Progressive $1,399 $1,472
State Farm $1,118 $1,118
Travelers $1,197 $1,274
USAA $1,598 $1,592

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

Annual Gibson City, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,330 $5,570 $5,187 $4,334
American Family $2,608 $3,715 $4,923 $2,958
Farmers $3,413 $4,397 $4,287 $4,067
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,747 $2,476 $2,178 $1,983
Nationwide $2,179 $2,816 $3,308 $2,500
Progressive $2,406 $3,555 $2,663 $3,034
State Farm $1,814 $2,149 $1,981 $1,981
Travelers $1,627 $2,119 $2,344 $2,032
USAA $2,050 $2,931 $4,024 $2,468

Cheap Gibson City, Illinois Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,187
American Family $4,923
Farmers $4,287
GEICO $3,141
Liberty Mutual $2,178
Nationwide $3,308
Progressive $2,663
State Farm $1,981
Travelers $2,344
USAA $4,024

Cheap Gibson City, Illinois Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,883 $4,234 $3,699
American Family $4,719 $3,215 $2,720
Farmers $4,594 $3,858 $3,670
GEICO $3,690 $1,812 $1,417
Liberty Mutual $2,962 $1,851 $1,475
Nationwide $3,222 $2,602 $2,278
Progressive $3,334 $2,814 $2,595
State Farm $2,881 $1,725 $1,338
Travelers $2,482 $1,989 $1,621
USAA $3,831 $2,620 $2,154

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Cheap Gibson City, Illinois Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
60936 $2,856

Cheap Gibson City, Illinois Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,605 $4,605
American Family $3,506 $3,597
Farmers $4,041 $4,041
GEICO $2,263 $2,351
Liberty Mutual $2,096 $2,096
Nationwide $2,701 $2,701
Progressive $2,914 $2,914
State Farm $1,931 $2,031
Travelers $1,952 $2,109
USAA $2,787 $2,949

Cheap Gibson City, Illinois Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,473 $4,601 $4,742
American Family $3,427 $3,681 $3,545
Farmers $3,850 $3,949 $4,324
GEICO $2,131 $2,300 $2,489
Liberty Mutual $1,975 $2,091 $2,222
Nationwide $2,706 $2,719 $2,678
Progressive $2,665 $2,895 $3,183
State Farm $1,878 $1,985 $2,082
Travelers $1,924 $2,029 $2,138
USAA $2,681 $2,865 $3,059

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

Compare the cheapest auto insurance companies in Gibson 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 Gibson City, Illinois

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

The Cheapest Gibson City, Illinois Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,605
American Family $3,551
Farmers $4,041
GEICO $2,307
Liberty Mutual $2,096
Nationwide $2,701
Progressive $2,914
State Farm $1,981
Travelers $2,030
USAA $2,868

What affects auto insurance rates in Gibson City, Illinois?

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

Gibson City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gibson City, Illinois commute length is 23.2 minutes according to City-Data.

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Compare Gibson City, Illinois Auto Insurance Quotes

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