Best Cheap Auto Insurance in Hamel, IL (2021)

The average Hamel, IL auto insurance rates are $293 per month. The minimum auto insurance in Hamel is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Hamel, 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 average commute length in Hamel is 28.6 minutes
  • The most expensive auto insurance company in Hamel for teen drivers is Farmers
  • The cheapest auto insurance company in Hamel is State Farm

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

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

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

Minimum Auto Insurance in Hamel, Illinois

Hamel, 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 Hamel, Illinois.

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

Auto insurance rates in Hamel, 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 Hamel, 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 $3,168 $3,182 $3,313 $3,313 $8,222 $10,682 $3,805 $4,111
American Family $2,532 $2,532 $2,315 $2,315 $7,127 $9,909 $2,532 $3,263
Farmers $2,571 $2,573 $2,278 $2,417 $11,229 $11,707 $2,928 $3,050
GEICO $1,727 $1,757 $1,670 $2,030 $5,565 $5,775 $2,170 $2,061
Liberty Mutual $1,516 $1,638 $1,258 $1,410 $5,100 $5,680 $1,582 $1,667
Nationwide $2,457 $2,496 $2,181 $2,311 $6,897 $8,859 $2,876 $3,118
Progressive $2,422 $2,281 $1,995 $2,094 $8,948 $10,063 $2,883 $3,133
State Farm $1,451 $1,451 $1,300 $1,300 $4,185 $5,304 $1,640 $1,886
Travelers $1,623 $1,713 $1,484 $1,582 $4,734 $5,959 $1,721 $1,813
USAA $1,729 $1,765 $1,607 $1,590 $5,546 $6,126 $2,281 $2,517

Cheap Hamel, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hamel, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,222 $10,682
American Family $7,127 $9,909
Farmers $11,229 $11,707
GEICO $5,565 $5,775
Liberty Mutual $5,100 $5,680
Nationwide $6,897 $8,859
Progressive $8,948 $10,063
State Farm $4,185 $5,304
Travelers $4,734 $5,959
USAA $5,546 $6,126

Cheap Hamel, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hamel, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,313 $3,313
American Family $2,315 $2,315
Farmers $2,278 $2,417
GEICO $1,670 $2,030
Liberty Mutual $1,258 $1,410
Nationwide $2,181 $2,311
Progressive $1,995 $2,094
State Farm $1,300 $1,300
Travelers $1,484 $1,582
USAA $1,607 $1,590

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

Annual Hamel, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,548 $6,050 $5,630 $4,671
American Family $2,990 $4,234 $5,647 $3,392
Farmers $4,091 $5,279 $5,149 $4,859
GEICO $2,044 $2,834 $3,948 $2,551
Liberty Mutual $2,064 $2,938 $2,578 $2,345
Nationwide $3,131 $4,069 $4,793 $3,604
Progressive $3,473 $5,186 $3,853 $4,397
State Farm $2,114 $2,516 $2,315 $2,315
Travelers $2,048 $2,687 $3,008 $2,572
USAA $2,065 $2,963 $4,063 $2,490

Cheap Hamel, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hamel, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,630
American Family $5,647
Farmers $5,149
GEICO $3,948
Liberty Mutual $2,578
Nationwide $4,793
Progressive $3,853
State Farm $2,315
Travelers $3,008
USAA $4,063

Cheap Hamel, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hamel, Illinois

Insurance Company Poor Fair Good
Allstate $6,335 $4,579 $4,009
American Family $5,416 $3,676 $3,105
Farmers $5,502 $4,628 $4,403
GEICO $4,571 $2,228 $1,734
Liberty Mutual $3,515 $2,189 $1,740
Nationwide $4,662 $3,756 $3,280
Progressive $4,806 $4,092 $3,785
State Farm $3,363 $2,016 $1,565
Travelers $3,146 $2,533 $2,057
USAA $3,860 $2,646 $2,179

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Cheap Hamel, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hamel, Illinois

ZIP Code Average Annual Rates
62046 $3,484

Cheap Hamel, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hamel, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,975 $4,975
American Family $4,013 $4,118
Farmers $4,844 $4,844
GEICO $2,792 $2,897
Liberty Mutual $2,481 $2,481
Nationwide $3,899 $3,899
Progressive $4,227 $4,227
State Farm $2,256 $2,373
Travelers $2,477 $2,680
USAA $2,814 $2,977

Cheap Hamel, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hamel, Illinois

Insurance Company Low Medium High
Allstate $4,814 $4,969 $5,141
American Family $3,912 $4,215 $4,071
Farmers $4,587 $4,720 $5,226
GEICO $2,566 $2,833 $3,134
Liberty Mutual $2,329 $2,475 $2,640
Nationwide $3,847 $3,939 $3,912
Progressive $3,828 $4,217 $4,637
State Farm $2,184 $2,318 $2,442
Travelers $2,408 $2,575 $2,753
USAA $2,704 $2,892 $3,089

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Best By Category: Cheapest Auto Insurance in Hamel, Illinois

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

Best Annual Auto Insurance Rates by Company in Hamel, Illinois

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

The Cheapest Hamel, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hamel, Illinois

Insurance Company Average Annual Rates
Allstate $4,975
American Family $4,066
Farmers $4,844
GEICO $2,844
Liberty Mutual $2,481
Nationwide $3,899
Progressive $4,227
State Farm $2,315
Travelers $2,579
USAA $2,895

What affects auto insurance rates in Hamel, Illinois?

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

Hamel Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hamel, Illinois commute length is 28.6 minutes according to City-Data.

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Compare Hamel, Illinois Auto Insurance Quotes

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