Best Cheap Auto Insurance in Lima, IL (2021)

The average Lima, IL auto insurance rates are $259 per month. The minimum auto insurance in Lima is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Lima, 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 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Lima is State Farm
  • The most expensive auto insurance company in Lima for teen drivers is Farmers
  • The average commute length in Lima is 28.8 minutes

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

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

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

Minimum Auto Insurance in Lima, Illinois

Lima, 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 Lima, Illinois.

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

Auto insurance rates in Lima, 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 Lima, 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 $2,404 $2,410 $2,141 $2,253 $9,746 $10,160 $2,734 $2,873
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,429 $1,547 $1,188 $1,331 $4,455 $4,964 $1,497 $1,587
Nationwide $1,805 $1,841 $1,604 $1,704 $4,886 $6,291 $2,094 $2,272
Progressive $1,755 $1,657 $1,446 $1,513 $6,416 $7,194 $2,093 $2,270
State Farm $1,329 $1,329 $1,176 $1,176 $3,644 $4,638 $1,498 $1,712
Travelers $1,405 $1,483 $1,267 $1,351 $3,841 $4,773 $1,491 $1,571
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

Cheap Lima, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lima, 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 $9,746 $10,160
GEICO $4,847 $5,129
Liberty Mutual $4,455 $4,964
Nationwide $4,886 $6,291
Progressive $6,416 $7,194
State Farm $3,644 $4,638
Travelers $3,841 $4,773
USAA $5,289 $5,831

Cheap Lima, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lima, 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 $2,141 $2,253
GEICO $1,521 $1,797
Liberty Mutual $1,188 $1,331
Nationwide $1,604 $1,704
Progressive $1,446 $1,513
State Farm $1,176 $1,176
Travelers $1,267 $1,351
USAA $1,527 $1,507

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

Annual Lima, 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 $3,676 $4,712 $4,595 $4,378
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,883 $2,647 $2,339 $2,130
Nationwide $2,262 $2,933 $3,453 $2,601
Progressive $2,509 $3,722 $2,776 $3,165
State Farm $1,896 $2,229 $2,063 $2,063
Travelers $1,717 $2,236 $2,489 $2,147
USAA $1,960 $2,818 $3,858 $2,364

Cheap Lima, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lima, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,777
American Family $5,504
Farmers $4,595
GEICO $3,482
Liberty Mutual $2,339
Nationwide $3,453
Progressive $2,776
State Farm $2,063
Travelers $2,489
USAA $3,858

Cheap Lima, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lima, Illinois

Insurance Company Poor Fair Good
Allstate $6,575 $4,725 $4,123
American Family $5,302 $3,577 $3,016
Farmers $4,951 $4,134 $3,936
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,191 $1,979 $1,579
Nationwide $3,360 $2,706 $2,371
Progressive $3,468 $2,942 $2,719
State Farm $2,999 $1,796 $1,393
Travelers $2,630 $2,098 $1,714
USAA $3,661 $2,516 $2,074

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Cheap Lima, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lima, Illinois

ZIP Code Average Annual Rates
62348 $3,045

Cheap Lima, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lima, 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 $4,340 $4,340
GEICO $2,519 $2,617
Liberty Mutual $2,250 $2,250
Nationwide $2,812 $2,812
Progressive $3,043 $3,043
State Farm $2,011 $2,115
Travelers $2,064 $2,231
USAA $2,673 $2,827

Cheap Lima, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lima, Illinois

Insurance Company Low Medium High
Allstate $5,013 $5,137 $5,273
American Family $3,867 $4,109 $3,919
Farmers $4,149 $4,248 $4,624
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,124 $2,245 $2,381
Nationwide $2,817 $2,831 $2,789
Progressive $2,815 $3,033 $3,281
State Farm $1,960 $2,066 $2,162
Travelers $2,023 $2,145 $2,274
USAA $2,561 $2,747 $2,942

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Best By Category: Cheapest Auto Insurance in Lima, Illinois

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

Best Annual Auto Insurance Rates by Company in Lima, 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 Lima, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lima, Illinois

Insurance Company Average Annual Rates
Allstate $5,141
American Family $3,965
Farmers $4,340
GEICO $2,568
Liberty Mutual $2,250
Nationwide $2,812
Progressive $3,043
State Farm $2,063
Travelers $2,147
USAA $2,750

What affects auto insurance rates in Lima, Illinois?

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

Lima Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lima, Illinois commute length is 28.8 minutes according to City-Data.

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Compare Lima, Illinois Auto Insurance Quotes

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