Best Cheap Auto Insurance in Mchenry, IL (2021)

The average Mchenry, IL auto insurance rates are $271 per month. The minimum auto insurance in Mchenry is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Mchenry, 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 McHenry is 32.5 minutes
  • The most expensive auto insurance company in McHenry for teen drivers is Farmers
  • Average auto insurance rates in McHenry, IL for senior drivers are $1,817 per year

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

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

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

Minimum Auto Insurance in McHenry, Illinois

McHenry, 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 McHenry, Illinois.

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

Auto insurance rates in McHenry, 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 McHenry, 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 $3,406 $3,422 $3,571 $3,571 $8,978 $11,639 $4,094 $4,424
American Family $2,314 $2,314 $2,127 $2,127 $6,705 $9,232 $2,314 $2,992
Farmers $2,437 $2,436 $2,153 $2,285 $10,916 $11,397 $2,784 $2,898
GEICO $1,508 $1,549 $1,474 $1,647 $5,498 $5,672 $1,752 $1,814
Liberty Mutual $1,367 $1,473 $1,134 $1,267 $4,752 $5,284 $1,427 $1,500
Nationwide $1,685 $1,709 $1,507 $1,589 $4,585 $5,855 $1,959 $2,115
Progressive $2,093 $1,951 $1,741 $1,821 $8,030 $8,991 $2,485 $2,673
State Farm $1,365 $1,365 $1,234 $1,234 $4,296 $5,430 $1,546 $1,776
Travelers $1,593 $1,680 $1,481 $1,577 $4,870 $6,206 $1,681 $1,769
USAA $1,516 $1,539 $1,413 $1,388 $4,920 $5,414 $1,991 $2,181

Cheap McHenry, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in McHenry, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,978 $11,639
American Family $6,705 $9,232
Farmers $10,916 $11,397
GEICO $5,498 $5,672
Liberty Mutual $4,752 $5,284
Nationwide $4,585 $5,855
Progressive $8,030 $8,991
State Farm $4,296 $5,430
Travelers $4,870 $6,206
USAA $4,920 $5,414

Cheap McHenry, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in McHenry, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,571 $3,571
American Family $2,127 $2,127
Farmers $2,153 $2,285
GEICO $1,474 $1,647
Liberty Mutual $1,134 $1,267
Nationwide $1,507 $1,589
Progressive $1,741 $1,821
State Farm $1,234 $1,234
Travelers $1,481 $1,577
USAA $1,413 $1,388

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

Annual McHenry, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,797 $6,579 $6,129 $5,047
American Family $2,768 $3,930 $5,226 $3,138
Farmers $3,934 $5,087 $4,960 $4,672
GEICO $1,750 $2,820 $3,833 $2,053
Liberty Mutual $1,892 $2,698 $2,363 $2,149
Nationwide $2,128 $2,736 $3,204 $2,435
Progressive $3,055 $4,589 $3,394 $3,853
State Farm $2,072 $2,489 $2,281 $2,281
Travelers $2,064 $2,718 $3,055 $2,592
USAA $1,814 $2,611 $3,568 $2,188

Cheap McHenry, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in McHenry, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,129
American Family $5,226
Farmers $4,960
GEICO $3,833
Liberty Mutual $2,363
Nationwide $3,204
Progressive $3,394
State Farm $2,281
Travelers $3,055
USAA $3,568

Cheap McHenry, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in McHenry, Illinois

Insurance Company Poor Fair Good
Allstate $6,853 $4,965 $4,346
American Family $4,991 $3,414 $2,892
Farmers $5,281 $4,464 $4,245
GEICO $4,192 $2,051 $1,599
Liberty Mutual $3,209 $2,015 $1,602
Nationwide $3,126 $2,532 $2,218
Progressive $4,217 $3,607 $3,344
State Farm $3,313 $1,987 $1,542
Travelers $3,167 $2,573 $2,082
USAA $3,383 $2,330 $1,923

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Cheap McHenry, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in McHenry, Illinois

ZIP Code Average Annual Rates
60050 $3,231
60051 $3,258

Cheap McHenry, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in McHenry, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,388 $5,388
American Family $3,718 $3,813
Farmers $4,663 $4,663
GEICO $2,571 $2,658
Liberty Mutual $2,275 $2,275
Nationwide $2,626 $2,626
Progressive $3,723 $3,723
State Farm $2,223 $2,339
Travelers $2,504 $2,710
USAA $2,474 $2,616

Cheap McHenry, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in McHenry, Illinois

Insurance Company Low Medium High
Allstate $5,213 $5,383 $5,569
American Family $3,600 $3,904 $3,793
Farmers $4,415 $4,541 $5,033
GEICO $2,364 $2,613 $2,866
Liberty Mutual $2,144 $2,271 $2,411
Nationwide $2,579 $2,652 $2,645
Progressive $3,355 $3,712 $4,102
State Farm $2,134 $2,285 $2,423
Travelers $2,414 $2,603 $2,804
USAA $2,367 $2,543 $2,726

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Best By Category: Cheapest Auto Insurance in McHenry, Illinois

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

Best Annual Auto Insurance Rates by Company in McHenry, Illinois

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

The Cheapest McHenry, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in McHenry, Illinois

Insurance Company Average Annual Rates
Allstate $5,388
American Family $3,766
Farmers $4,663
GEICO $2,614
Liberty Mutual $2,275
Nationwide $2,626
Progressive $3,723
State Farm $2,281
Travelers $2,607
USAA $2,545

What affects auto insurance rates in McHenry, Illinois?

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

McHenry Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average McHenry, Illinois commute length is 32.5 minutes according to City-Data.

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Compare McHenry, Illinois Auto Insurance Quotes

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