Best Cheap Auto Insurance in Kirkwood, IL (2021)

The average Kirkwood, IL auto insurance rates are $242 per month. The minimum auto insurance in Kirkwood is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Kirkwood, 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 most expensive auto insurance company in Kirkwood for teen drivers is Farmers
  • The average commute length in Kirkwood is 22.8 minutes
  • Average auto insurance rates in Kirkwood, IL for senior drivers are $1,682 per year

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

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

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

Minimum Auto Insurance in Kirkwood, Illinois

Kirkwood, 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 Kirkwood, Illinois.

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

Auto insurance rates in Kirkwood, 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 Kirkwood, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,266 $2,266 $2,069 $2,069 $6,270 $8,739 $2,266 $2,917
Farmers $2,227 $2,228 $1,983 $2,091 $9,159 $9,532 $2,538 $2,662
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,314 $1,419 $1,097 $1,224 $4,134 $4,596 $1,374 $1,451
Nationwide $1,706 $1,740 $1,517 $1,611 $4,593 $5,910 $1,976 $2,143
Progressive $1,782 $1,702 $1,466 $1,527 $6,157 $6,924 $2,132 $2,314
State Farm $1,354 $1,354 $1,196 $1,196 $3,685 $4,691 $1,525 $1,742
Travelers $1,398 $1,476 $1,257 $1,340 $3,793 $4,696 $1,485 $1,564
USAA $1,488 $1,518 $1,379 $1,361 $4,700 $5,201 $1,953 $2,152

Cheap Kirkwood, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Kirkwood, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,270 $8,739
Farmers $9,159 $9,532
GEICO $4,847 $5,129
Liberty Mutual $4,134 $4,596
Nationwide $4,593 $5,910
Progressive $6,157 $6,924
State Farm $3,685 $4,691
Travelers $3,793 $4,696
USAA $4,700 $5,201

Cheap Kirkwood, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Kirkwood, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,069 $2,069
Farmers $1,983 $2,091
GEICO $1,521 $1,797
Liberty Mutual $1,097 $1,224
Nationwide $1,517 $1,611
Progressive $1,466 $1,527
State Farm $1,196 $1,196
Travelers $1,257 $1,340
USAA $1,379 $1,361

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

Annual Kirkwood, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,651 $3,773 $5,001 $3,008
Farmers $3,427 $4,403 $4,294 $4,086
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,737 $2,444 $2,157 $1,966
Nationwide $2,134 $2,763 $3,250 $2,452
Progressive $2,483 $3,643 $2,742 $3,135
State Farm $1,926 $2,260 $2,093 $2,093
Travelers $1,702 $2,215 $2,460 $2,128
USAA $1,769 $2,525 $3,453 $2,130

Cheap Kirkwood, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Kirkwood, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,008
American Family $5,001
Farmers $4,294
GEICO $3,482
Liberty Mutual $2,157
Nationwide $3,250
Progressive $2,742
State Farm $2,093
Travelers $2,460
USAA $3,453

Cheap Kirkwood, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Kirkwood, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $4,812 $3,260 $2,751
Farmers $4,620 $3,862 $3,676
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,935 $1,830 $1,462
Nationwide $3,164 $2,550 $2,235
Progressive $3,431 $2,899 $2,673
State Farm $3,043 $1,822 $1,413
Travelers $2,605 $2,077 $1,696
USAA $3,299 $2,255 $1,854

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Cheap Kirkwood, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Kirkwood, Illinois

ZIP Code Average Annual Rates
61447 $2,841

Cheap Kirkwood, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Kirkwood, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,561 $3,655
Farmers $4,052 $4,052
GEICO $2,519 $2,617
Liberty Mutual $2,076 $2,076
Nationwide $2,650 $2,650
Progressive $3,001 $3,001
State Farm $2,040 $2,145
Travelers $2,044 $2,208
USAA $2,400 $2,538

Cheap Kirkwood, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Kirkwood, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,503 $3,739 $3,582
Farmers $3,872 $3,967 $4,317
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,965 $2,072 $2,191
Nationwide $2,654 $2,667 $2,629
Progressive $2,797 $2,993 $3,212
State Farm $1,991 $2,096 $2,191
Travelers $2,009 $2,124 $2,245
USAA $2,324 $2,467 $2,616

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Best By Category: Cheapest Auto Insurance in Kirkwood, Illinois

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

Best Annual Auto Insurance Rates by Company in Kirkwood, Illinois

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

The Cheapest Kirkwood, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Kirkwood, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,608
Farmers $4,052
GEICO $2,568
Liberty Mutual $2,076
Nationwide $2,650
Progressive $3,001
State Farm $2,093
Travelers $2,126
USAA $2,469

What affects auto insurance rates in Kirkwood, Illinois?

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

Kirkwood Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kirkwood, Illinois commute length is 22.8 minutes according to City-Data.

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Compare Kirkwood, Illinois Auto Insurance Quotes

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