Best Cheap Auto Insurance in Livingston, IL (2021)

The average Livingston, IL auto insurance rates are $287 per month. The minimum auto insurance in Livingston is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Livingston, 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 average commute length in Livingston is 31.8 minutes
  • The minimum auto insurance required in Livingston, Illinois is 25/50/20
  • The cheapest auto insurance company in Livingston is State Farm

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

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

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

Minimum Auto Insurance in Livingston, Illinois

Livingston, 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 Livingston, Illinois.

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

Auto insurance rates in Livingston, 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 Livingston, 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 $1,543 $1,666 $1,279 $1,433 $5,215 $5,805 $1,611 $1,699
Nationwide $2,204 $2,244 $1,955 $2,075 $6,133 $7,891 $2,573 $2,792
Progressive $2,422 $2,281 $1,995 $2,094 $8,948 $10,063 $2,883 $3,133
State Farm $1,389 $1,389 $1,244 $1,244 $3,987 $5,060 $1,570 $1,799
Travelers $1,484 $1,567 $1,348 $1,437 $4,194 $5,239 $1,575 $1,659
USAA $1,773 $1,810 $1,647 $1,629 $5,700 $6,299 $2,341 $2,584

Cheap Livingston, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Livingston, 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 $5,215 $5,805
Nationwide $6,133 $7,891
Progressive $8,948 $10,063
State Farm $3,987 $5,060
Travelers $4,194 $5,239
USAA $5,700 $6,299

Cheap Livingston, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Livingston, 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 $1,279 $1,433
Nationwide $1,955 $2,075
Progressive $1,995 $2,094
State Farm $1,244 $1,244
Travelers $1,348 $1,437
USAA $1,647 $1,629

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

Annual Livingston, 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 $2,105 $2,998 $2,630 $2,392
Nationwide $2,796 $3,635 $4,284 $3,219
Progressive $3,473 $5,186 $3,853 $4,397
State Farm $2,019 $2,401 $2,210 $2,210
Travelers $1,844 $2,410 $2,686 $2,310
USAA $2,119 $3,043 $4,175 $2,556

Cheap Livingston, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Livingston, 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 $2,630
Nationwide $4,284
Progressive $3,853
State Farm $2,210
Travelers $2,686
USAA $4,175

Cheap Livingston, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Livingston, 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 $3,586 $2,234 $1,774
Nationwide $4,164 $3,354 $2,932
Progressive $4,806 $4,092 $3,785
State Farm $3,210 $1,925 $1,495
Travelers $2,826 $2,267 $1,845
USAA $3,965 $2,717 $2,236

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Cheap Livingston, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Livingston, Illinois

ZIP Code Average Annual Rates
62058 $3,416

Cheap Livingston, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Livingston, 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 $2,531 $2,531
Nationwide $3,483 $3,483
Progressive $4,227 $4,227
State Farm $2,154 $2,267
Travelers $2,222 $2,403
USAA $2,889 $3,057

Cheap Livingston, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Livingston, 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 $2,381 $2,525 $2,687
Nationwide $3,470 $3,512 $3,468
Progressive $3,828 $4,217 $4,637
State Farm $2,081 $2,213 $2,336
Travelers $2,173 $2,310 $2,455
USAA $2,778 $2,970 $3,170

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Best By Category: Cheapest Auto Insurance in Livingston, Illinois

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

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

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

Average Annual Auto Insurance Rates by Company in Livingston, Illinois

Insurance Company Average Annual Rates
Allstate $4,975
American Family $4,066
Farmers $4,844
GEICO $2,844
Liberty Mutual $2,531
Nationwide $3,483
Progressive $4,227
State Farm $2,210
Travelers $2,313
USAA $2,973

What affects auto insurance rates in Livingston, Illinois?

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

Livingston Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Livingston, Illinois commute length is 31.8 minutes according to City-Data.

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Compare Livingston, Illinois Auto Insurance Quotes

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