Best Cheap Auto Insurance in Macon, IL (2021)

The average Macon, IL auto insurance rates are $251 per month. The minimum auto insurance in Macon is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Macon, 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 minimum auto insurance required in Macon, Illinois is 25/50/20
  • Average auto insurance rates in Macon, IL for senior drivers are $1,713 per year
  • The cheapest auto insurance company in Macon is State Farm

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

Compare auto insurance in Macon to other Illinois cities, including Springfield auto insurance rates, Waukegan auto insurance rates, and Peoria auto insurance rates to see how Macon, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Macon, Illinois

Macon, 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 Macon, Illinois.

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

Auto insurance rates in Macon, 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 Macon, 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 $3,062 $3,076 $3,198 $3,198 $7,947 $10,338 $3,681 $3,979
American Family $2,245 $2,245 $2,055 $2,055 $6,324 $8,770 $2,245 $2,896
Farmers $2,234 $2,235 $1,980 $2,094 $9,648 $10,064 $2,553 $2,670
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,370 $1,479 $1,139 $1,272 $4,494 $5,000 $1,433 $1,513
Nationwide $1,616 $1,647 $1,440 $1,526 $4,370 $5,607 $1,875 $2,029
Progressive $1,700 $1,606 $1,401 $1,464 $6,234 $6,996 $2,027 $2,203
State Farm $1,322 $1,322 $1,188 $1,188 $3,854 $4,886 $1,495 $1,716
Travelers $1,502 $1,585 $1,385 $1,476 $4,435 $5,626 $1,586 $1,671
USAA $1,751 $1,774 $1,631 $1,599 $5,810 $6,392 $2,313 $2,529

Cheap Macon, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Macon, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,947 $10,338
American Family $6,324 $8,770
Farmers $9,648 $10,064
GEICO $4,375 $4,641
Liberty Mutual $4,494 $5,000
Nationwide $4,370 $5,607
Progressive $6,234 $6,996
State Farm $3,854 $4,886
Travelers $4,435 $5,626
USAA $5,810 $6,392

Cheap Macon, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Macon, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,198
American Family $2,055 $2,055
Farmers $1,980 $2,094
GEICO $1,364 $1,612
Liberty Mutual $1,139 $1,272
Nationwide $1,440 $1,526
Progressive $1,401 $1,464
State Farm $1,188 $1,188
Travelers $1,385 $1,476
USAA $1,631 $1,599

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

Annual Macon, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,440 $5,836 $5,446 $4,518
American Family $2,647 $3,768 $4,998 $3,004
Farmers $3,533 $4,556 $4,443 $4,207
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,846 $2,613 $2,299 $2,093
Nationwide $2,030 $2,620 $3,077 $2,328
Progressive $2,436 $3,613 $2,695 $3,072
State Farm $1,934 $2,309 $2,121 $2,121
Travelers $1,910 $2,504 $2,822 $2,398
USAA $2,110 $3,054 $4,186 $2,548

Cheap Macon, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Macon, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,446
American Family $4,998
Farmers $4,443
GEICO $3,141
Liberty Mutual $2,299
Nationwide $3,077
Progressive $2,695
State Farm $2,121
Travelers $2,822
USAA $4,186

Cheap Macon, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Macon, Illinois

Insurance Company Poor Fair Good
Allstate $6,129 $4,429 $3,872
American Family $4,795 $3,261 $2,757
Farmers $4,753 $3,998 $3,803
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,129 $1,953 $1,556
Nationwide $2,998 $2,421 $2,122
Progressive $3,363 $2,857 $2,641
State Farm $3,081 $1,848 $1,435
Travelers $2,935 $2,368 $1,922
USAA $3,953 $2,724 $2,248

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Cheap Macon, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Macon, Illinois

ZIP Code Average Annual Rates
62544 $2,969

Cheap Macon, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Macon, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,810 $4,810
American Family $3,558 $3,651
Farmers $4,185 $4,185
GEICO $2,263 $2,351
Liberty Mutual $2,213 $2,213
Nationwide $2,514 $2,514
Progressive $2,954 $2,954
State Farm $2,067 $2,176
Travelers $2,314 $2,503
USAA $2,891 $3,058

Cheap Macon, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Macon, Illinois

Insurance Company Low Medium High
Allstate $4,672 $4,805 $4,951
American Family $3,484 $3,736 $3,593
Farmers $3,979 $4,084 $4,491
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,090 $2,208 $2,340
Nationwide $2,515 $2,530 $2,496
Progressive $2,719 $2,948 $3,195
State Farm $1,993 $2,124 $2,247
Travelers $2,230 $2,405 $2,590
USAA $2,766 $2,972 $3,186

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Best By Category: Cheapest Auto Insurance in Macon, Illinois

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

Best Annual Auto Insurance Rates by Company in Macon, Illinois

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

The Cheapest Macon, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Macon, Illinois

Insurance Company Average Annual Rates
Allstate $4,810
American Family $3,604
Farmers $4,185
GEICO $2,307
Liberty Mutual $2,213
Nationwide $2,514
Progressive $2,954
State Farm $2,121
Travelers $2,408
USAA $2,975

What affects auto insurance rates in Macon, Illinois?

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

Macon Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Macon, Illinois commute length is 21.2 minutes according to City-Data.

Macon Traffic

How does Macon, Illinois rank for traffic? According to Inrix Macon, Illinois is the 527th most congested worldwide.

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Compare Macon, Illinois Auto Insurance Quotes

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