Best Cheap Auto Insurance in Niles, IL (2021)

The average Niles, IL auto insurance rates are $344 per month. The minimum auto insurance in Niles is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Niles, 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

  • Average auto insurance rates in Niles, IL for senior drivers are $2,291 per year
  • The most expensive auto insurance company in Niles for teen drivers is Farmers
  • The minimum auto insurance required in Niles, Illinois is 25/50/20

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

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

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

Minimum Auto Insurance in Niles, Illinois

Niles, 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 Niles, Illinois.

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

Auto insurance rates in Niles, 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 Niles, 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 $3,991 $4,009 $4,186 $4,186 $10,506 $13,602 $4,793 $5,177
American Family $2,744 $2,744 $2,521 $2,521 $7,996 $11,005 $2,744 $3,555
Farmers $3,076 $3,072 $2,716 $2,886 $13,882 $14,484 $3,515 $3,653
GEICO $2,140 $2,206 $2,086 $2,352 $7,745 $7,971 $2,478 $2,569
Liberty Mutual $1,549 $1,669 $1,284 $1,436 $5,408 $6,010 $1,615 $1,694
Nationwide $2,483 $2,516 $2,209 $2,332 $7,081 $9,058 $2,920 $3,157
Progressive $2,797 $2,620 $2,315 $2,423 $10,677 $11,989 $3,341 $3,634
State Farm $1,774 $1,774 $1,612 $1,612 $5,724 $7,219 $2,013 $2,322
Travelers $1,888 $1,991 $1,746 $1,860 $5,831 $7,405 $2,000 $2,105
USAA $1,929 $1,952 $1,792 $1,752 $6,447 $7,097 $2,550 $2,787

Cheap Niles, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Niles, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,506 $13,602
American Family $7,996 $11,005
Farmers $13,882 $14,484
GEICO $7,745 $7,971
Liberty Mutual $5,408 $6,010
Nationwide $7,081 $9,058
Progressive $10,677 $11,989
State Farm $5,724 $7,219
Travelers $5,831 $7,405
USAA $6,447 $7,097

Cheap Niles, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Niles, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,186 $4,186
American Family $2,521 $2,521
Farmers $2,716 $2,886
GEICO $2,086 $2,352
Liberty Mutual $1,284 $1,436
Nationwide $2,209 $2,332
Progressive $2,315 $2,423
State Farm $1,612 $1,612
Travelers $1,746 $1,860
USAA $1,792 $1,752

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

Annual Niles, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,440 $7,707 $7,171 $5,906
American Family $3,297 $4,650 $6,230 $3,739
Farmers $4,983 $6,451 $6,289 $5,918
GEICO $2,484 $3,922 $5,443 $2,925
Liberty Mutual $2,144 $3,067 $2,683 $2,438
Nationwide $3,197 $4,141 $4,868 $3,673
Progressive $4,076 $6,135 $4,525 $5,161
State Farm $2,723 $3,290 $3,006 $3,006
Travelers $2,454 $3,245 $3,626 $3,088
USAA $2,328 $3,375 $4,634 $2,816

Cheap Niles, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Niles, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,171
American Family $6,230
Farmers $6,289
GEICO $5,443
Liberty Mutual $2,683
Nationwide $4,868
Progressive $4,525
State Farm $3,006
Travelers $3,626
USAA $4,634

Cheap Niles, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Niles, Illinois

Insurance Company Poor Fair Good
Allstate $8,017 $5,810 $5,091
American Family $5,938 $4,060 $3,439
Farmers $6,690 $5,660 $5,382
GEICO $5,959 $2,884 $2,237
Liberty Mutual $3,650 $2,286 $1,814
Nationwide $4,739 $3,830 $3,340
Progressive $5,633 $4,818 $4,472
State Farm $4,368 $2,618 $2,032
Travelers $3,767 $3,067 $2,476
USAA $4,374 $3,010 $2,481

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Cheap Niles, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Niles, Illinois

ZIP Code Average Annual Rates
60714 $4,113

Cheap Niles, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Niles, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,306 $6,306
American Family $4,422 $4,536
Farmers $5,910 $5,910
GEICO $3,631 $3,756
Liberty Mutual $2,583 $2,583
Nationwide $3,970 $3,970
Progressive $4,974 $4,974
State Farm $2,930 $3,082
Travelers $2,980 $3,227
USAA $3,196 $3,381

Cheap Niles, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Niles, Illinois

Insurance Company Low Medium High
Allstate $6,087 $6,299 $6,533
American Family $4,290 $4,644 $4,502
Farmers $5,594 $5,756 $6,381
GEICO $3,334 $3,693 $4,053
Liberty Mutual $2,436 $2,578 $2,736
Nationwide $3,903 $4,015 $3,991
Progressive $4,549 $4,965 $5,409
State Farm $2,809 $3,012 $3,197
Travelers $2,893 $3,100 $3,317
USAA $3,071 $3,286 $3,507

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Best By Category: Cheapest Auto Insurance in Niles, Illinois

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

Best Annual Auto Insurance Rates by Company in Niles, Illinois

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

The Cheapest Niles, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Niles, Illinois

Insurance Company Average Annual Rates
Allstate $6,306
American Family $4,479
Farmers $5,910
GEICO $3,693
Liberty Mutual $2,583
Nationwide $3,970
Progressive $4,974
State Farm $3,006
Travelers $3,103
USAA $3,288

What affects auto insurance rates in Niles, Illinois?

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

Niles Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Niles, Illinois commute length is 29.1 minutes according to City-Data.

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Compare Niles, Illinois Auto Insurance Quotes

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