Best Cheap Auto Insurance in Golden, IL (2021)

The average Golden, IL auto insurance rates are $261 per month. The minimum auto insurance in Golden is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Golden, Illinois, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Golden is State Farm
  • The minimum auto insurance required in Golden, Illinois is 25/50/20
  • Average auto insurance rates in Golden, IL for senior drivers are $1,820 per year

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

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

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

Minimum Auto Insurance in Golden, Illinois

Golden, 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 Golden, Illinois.

Minimum Required Auto Insurance Coverage in Golden, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Golden, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Golden, 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 Golden, 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 $3,303 $3,318 $3,433 $3,433 $8,401 $10,972 $3,972 $4,295
American Family $2,501 $2,501 $2,278 $2,278 $6,853 $9,591 $2,501 $3,218
Farmers $2,341 $2,345 $2,087 $2,196 $9,413 $9,802 $2,662 $2,797
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,402 $1,515 $1,163 $1,300 $4,409 $4,906 $1,472 $1,562
Nationwide $1,805 $1,841 $1,604 $1,704 $4,886 $6,291 $2,094 $2,272
Progressive $2,172 $2,088 $1,790 $1,855 $7,223 $8,140 $2,608 $2,826
State Farm $1,338 $1,338 $1,172 $1,172 $3,489 $4,458 $1,504 $1,709
Travelers $1,399 $1,478 $1,248 $1,332 $3,696 $4,549 $1,489 $1,570
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

Cheap Golden, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Golden, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,401 $10,972
American Family $6,853 $9,591
Farmers $9,413 $9,802
GEICO $4,847 $5,129
Liberty Mutual $4,409 $4,906
Nationwide $4,886 $6,291
Progressive $7,223 $8,140
State Farm $3,489 $4,458
Travelers $3,696 $4,549
USAA $5,289 $5,831

Cheap Golden, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Golden, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,433 $3,433
American Family $2,278 $2,278
Farmers $2,087 $2,196
GEICO $1,521 $1,797
Liberty Mutual $1,163 $1,300
Nationwide $1,604 $1,704
Progressive $1,790 $1,855
State Farm $1,172 $1,172
Travelers $1,248 $1,332
USAA $1,527 $1,507

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

Annual Golden, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,746 $6,196 $5,777 $4,846
American Family $2,914 $4,133 $5,504 $3,309
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,854 $2,608 $2,305 $2,098
Nationwide $2,262 $2,933 $3,453 $2,601
Progressive $2,971 $4,341 $3,280 $3,759
State Farm $1,872 $2,174 $2,023 $2,023
Travelers $1,680 $2,181 $2,420 $2,100
USAA $1,960 $2,818 $3,858 $2,364

Cheap Golden, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Golden, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,777
American Family $5,504
Farmers $4,452
GEICO $3,482
Liberty Mutual $2,305
Nationwide $3,453
Progressive $3,280
State Farm $2,023
Travelers $2,420
USAA $3,858

Cheap Golden, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Golden, Illinois

Insurance Company Poor Fair Good
Allstate $6,575 $4,725 $4,123
American Family $5,302 $3,577 $3,016
Farmers $4,800 $4,004 $3,812
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,140 $1,951 $1,557
Nationwide $3,360 $2,706 $2,371
Progressive $4,104 $3,465 $3,194
State Farm $2,941 $1,761 $1,366
Travelers $2,574 $2,041 $1,671
USAA $3,661 $2,516 $2,074

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Golden, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Golden, Illinois

ZIP Code Average Annual Rates
62339 $3,073

Cheap Golden, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Golden, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,141 $5,141
American Family $3,913 $4,017
Farmers $4,205 $4,205
GEICO $2,519 $2,617
Liberty Mutual $2,216 $2,216
Nationwide $2,812 $2,812
Progressive $3,588 $3,588
State Farm $1,972 $2,073
Travelers $2,014 $2,176
USAA $2,673 $2,827

Cheap Golden, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Golden, Illinois

Insurance Company Low Medium High
Allstate $5,013 $5,137 $5,273
American Family $3,867 $4,109 $3,919
Farmers $4,025 $4,120 $4,470
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,104 $2,212 $2,332
Nationwide $2,817 $2,831 $2,789
Progressive $3,371 $3,581 $3,811
State Farm $1,932 $2,025 $2,111
Travelers $1,986 $2,093 $2,206
USAA $2,561 $2,747 $2,942

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Golden, Illinois

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

Best Annual Auto Insurance Rates by Company in Golden, Illinois

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

The Cheapest Golden, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Golden, Illinois

Insurance Company Average Annual Rates
Allstate $5,141
American Family $3,965
Farmers $4,205
GEICO $2,568
Liberty Mutual $2,216
Nationwide $2,812
Progressive $3,588
State Farm $2,023
Travelers $2,095
USAA $2,750

What affects auto insurance rates in Golden, Illinois?

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

Golden Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Golden, Illinois commute length is 32.4 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Golden, Illinois Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption