Best Cheap Auto Insurance in Gifford, IL (2021)

The average Gifford, IL auto insurance rates are $241 per month. The minimum auto insurance in Gifford is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Gifford, 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: Jul 18, 2021

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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.

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Things to Remember

  • The most expensive auto insurance company in Gifford for teen drivers is Farmers
  • The cheapest auto insurance company in Gifford is State Farm
  • The average commute length in Gifford is 24.7 minutes

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

Compare auto insurance in Gifford to other Illinois cities, including Naperville auto insurance rates, Peoria auto insurance rates, and Chicago auto insurance rates to see how Gifford, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Gifford, Illinois

Gifford, 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 Gifford, Illinois.

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

Auto insurance rates in Gifford, 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 Gifford, 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 $2,004 $2,004 $1,837 $1,837 $5,668 $7,844 $2,004 $2,584
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 $1,332 $1,437 $1,108 $1,237 $4,363 $4,852 $1,392 $1,469
Nationwide $1,693 $1,724 $1,508 $1,597 $4,608 $5,912 $1,967 $2,129
Progressive $1,838 $1,738 $1,515 $1,590 $6,549 $7,341 $2,186 $2,351
State Farm $1,310 $1,310 $1,170 $1,170 $3,753 $4,757 $1,481 $1,705
Travelers $1,375 $1,448 $1,249 $1,330 $3,863 $4,812 $1,456 $1,532
USAA $1,550 $1,569 $1,432 $1,395 $5,014 $5,540 $2,030 $2,216

Cheap Gifford, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gifford, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,561 $9,833
American Family $5,668 $7,844
Farmers $9,259 $9,648
GEICO $4,375 $4,641
Liberty Mutual $4,363 $4,852
Nationwide $4,608 $5,912
Progressive $6,549 $7,341
State Farm $3,753 $4,757
Travelers $3,863 $4,812
USAA $5,014 $5,540

Cheap Gifford, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gifford, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,074 $3,074
American Family $1,837 $1,837
Farmers $1,933 $2,042
GEICO $1,364 $1,612
Liberty Mutual $1,108 $1,237
Nationwide $1,508 $1,597
Progressive $1,515 $1,590
State Farm $1,170 $1,170
Travelers $1,249 $1,330
USAA $1,432 $1,395

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

Annual Gifford, 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 $2,365 $3,384 $4,461 $2,682
Farmers $3,413 $4,397 $4,287 $4,067
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,793 $2,537 $2,233 $2,032
Nationwide $2,132 $2,755 $3,236 $2,446
Progressive $2,591 $3,827 $2,868 $3,270
State Farm $1,903 $2,261 $2,082 $2,082
Travelers $1,705 $2,224 $2,471 $2,132
USAA $1,852 $2,656 $3,632 $2,234

Cheap Gifford, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gifford, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,187
American Family $4,461
Farmers $4,287
GEICO $3,141
Liberty Mutual $2,233
Nationwide $3,236
Progressive $2,868
State Farm $2,082
Travelers $2,471
USAA $3,632

Cheap Gifford, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gifford, Illinois

Insurance Company Poor Fair Good
Allstate $5,883 $4,234 $3,699
American Family $4,281 $2,918 $2,470
Farmers $4,594 $3,858 $3,670
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,035 $1,898 $1,513
Nationwide $3,151 $2,545 $2,230
Progressive $3,589 $3,031 $2,796
State Farm $3,028 $1,813 $1,406
Travelers $2,606 $2,091 $1,703
USAA $3,465 $2,368 $1,946

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Cheap Gifford, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gifford, Illinois

ZIP Code Average Annual Rates
61847 $2,847

Cheap Gifford, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gifford, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,605 $4,605
American Family $3,182 $3,264
Farmers $4,041 $4,041
GEICO $2,263 $2,351
Liberty Mutual $2,149 $2,149
Nationwide $2,642 $2,642
Progressive $3,139 $3,139
State Farm $2,030 $2,134
Travelers $2,051 $2,216
USAA $2,521 $2,666

Cheap Gifford, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gifford, Illinois

Insurance Company Low Medium High
Allstate $4,473 $4,601 $4,742
American Family $3,103 $3,341 $3,224
Farmers $3,850 $3,949 $4,324
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,031 $2,144 $2,271
Nationwide $2,636 $2,662 $2,629
Progressive $2,879 $3,120 $3,417
State Farm $1,973 $2,085 $2,187
Travelers $2,011 $2,131 $2,258
USAA $2,460 $2,593 $2,728

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Best By Category: Cheapest Auto Insurance in Gifford, Illinois

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

Best Annual Auto Insurance Rates by Company in Gifford, Illinois

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

The Cheapest Gifford, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gifford, Illinois

Insurance Company Average Annual Rates
Allstate $4,605
American Family $3,223
Farmers $4,041
GEICO $2,307
Liberty Mutual $2,149
Nationwide $2,642
Progressive $3,139
State Farm $2,082
Travelers $2,133
USAA $2,593

What affects auto insurance rates in Gifford, Illinois?

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

Gifford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gifford, Illinois commute length is 24.7 minutes according to City-Data.

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Compare Gifford, Illinois Auto Insurance Quotes

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