Best Cheap Auto Insurance in Manhattan, IL (2021)

The average Manhattan, IL auto insurance rates are $273 per month. The minimum auto insurance in Manhattan is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Manhattan, 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 most expensive auto insurance company in Manhattan for teen drivers is Farmers
  • Average auto insurance rates in Manhattan, IL for senior drivers are $1,840 per year
  • The average commute length in Manhattan is 34.5 minutes

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

Compare auto insurance in Manhattan to other Illinois cities, including Naperville auto insurance rates, Chicago auto insurance rates, and Aurora auto insurance rates to see how Manhattan, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Manhattan, Illinois

Manhattan, 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 Manhattan, Illinois.

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

Auto insurance rates in Manhattan, 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 Manhattan, 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 $3,362 $3,377 $3,524 $3,524 $8,830 $11,475 $4,045 $4,372
American Family $2,263 $2,263 $2,076 $2,076 $6,479 $8,948 $2,263 $2,922
Farmers $2,457 $2,452 $2,175 $2,305 $10,813 $11,266 $2,809 $2,928
GEICO $1,784 $1,834 $1,744 $1,950 $6,375 $6,643 $2,053 $2,142
Liberty Mutual $1,444 $1,555 $1,195 $1,332 $5,077 $5,641 $1,512 $1,596
Nationwide $1,673 $1,696 $1,496 $1,576 $4,597 $5,863 $1,949 $2,102
Progressive $1,888 $1,771 $1,559 $1,638 $7,043 $7,886 $2,244 $2,420
State Farm $1,484 $1,484 $1,342 $1,342 $4,439 $5,611 $1,681 $1,941
Travelers $1,549 $1,631 $1,436 $1,527 $4,709 $5,961 $1,636 $1,721
USAA $1,623 $1,650 $1,506 $1,480 $5,267 $5,815 $2,138 $2,345

Cheap Manhattan, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Manhattan, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,830 $11,475
American Family $6,479 $8,948
Farmers $10,813 $11,266
GEICO $6,375 $6,643
Liberty Mutual $5,077 $5,641
Nationwide $4,597 $5,863
Progressive $7,043 $7,886
State Farm $4,439 $5,611
Travelers $4,709 $5,961
USAA $5,267 $5,815

Cheap Manhattan, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Manhattan, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,524 $3,524
American Family $2,076 $2,076
Farmers $2,175 $2,305
GEICO $1,744 $1,950
Liberty Mutual $1,195 $1,332
Nationwide $1,496 $1,576
Progressive $1,559 $1,638
State Farm $1,342 $1,342
Travelers $1,436 $1,527
USAA $1,506 $1,480

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

Annual Manhattan, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,758 $6,485 $6,030 $4,982
American Family $2,691 $3,826 $5,078 $3,051
Farmers $3,922 $5,070 $4,943 $4,668
GEICO $2,070 $3,243 $4,517 $2,432
Liberty Mutual $2,005 $2,870 $2,515 $2,286
Nationwide $2,124 $2,729 $3,194 $2,429
Progressive $2,720 $4,056 $3,015 $3,433
State Farm $2,195 $2,636 $2,415 $2,415
Travelers $2,001 $2,633 $2,941 $2,511
USAA $1,944 $2,795 $3,828 $2,344

Cheap Manhattan, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Manhattan, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,030
American Family $5,078
Farmers $4,943
GEICO $4,517
Liberty Mutual $2,515
Nationwide $3,194
Progressive $3,015
State Farm $2,415
Travelers $2,941
USAA $3,828

Cheap Manhattan, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Manhattan, Illinois

Insurance Company Poor Fair Good
Allstate $6,767 $4,892 $4,282
American Family $4,859 $3,317 $2,808
Farmers $5,273 $4,448 $4,231
GEICO $4,932 $2,400 $1,866
Liberty Mutual $3,422 $2,139 $1,696
Nationwide $3,118 $2,527 $2,211
Progressive $3,766 $3,196 $2,956
State Farm $3,507 $2,105 $1,635
Travelers $3,062 $2,489 $2,013
USAA $3,636 $2,494 $2,053

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Cheap Manhattan, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Manhattan, Illinois

ZIP Code Average Annual Rates
60442 $3,219

Cheap Manhattan, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Manhattan, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,314 $5,314
American Family $3,615 $3,708
Farmers $4,651 $4,651
GEICO $3,012 $3,120
Liberty Mutual $2,419 $2,419
Nationwide $2,619 $2,619
Progressive $3,306 $3,306
State Farm $2,354 $2,477
Travelers $2,422 $2,621
USAA $2,651 $2,804

Cheap Manhattan, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Manhattan, Illinois

Insurance Company Low Medium High
Allstate $5,144 $5,309 $5,489
American Family $3,511 $3,796 $3,677
Farmers $4,419 $4,539 $4,993
GEICO $2,774 $3,054 $3,369
Liberty Mutual $2,290 $2,414 $2,553
Nationwide $2,586 $2,643 $2,628
Progressive $3,020 $3,288 $3,610
State Farm $2,269 $2,419 $2,558
Travelers $2,354 $2,518 $2,692
USAA $2,557 $2,725 $2,901

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Best By Category: Cheapest Auto Insurance in Manhattan, Illinois

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

Best Annual Auto Insurance Rates by Company in Manhattan, Illinois

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

The Cheapest Manhattan, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Manhattan, Illinois

Insurance Company Average Annual Rates
Allstate $5,314
American Family $3,662
Farmers $4,651
GEICO $3,066
Liberty Mutual $2,419
Nationwide $2,619
Progressive $3,306
State Farm $2,415
Travelers $2,521
USAA $2,728

What affects auto insurance rates in Manhattan, Illinois?

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

Manhattan Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Manhattan, Illinois commute length is 34.5 minutes according to City-Data.

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Compare Manhattan, Illinois Auto Insurance Quotes

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