Best Cheap Auto Insurance in Ophiem, IL (2021)

The average Ophiem, IL auto insurance rates are $240 per month. The minimum auto insurance in Ophiem is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Ophiem, 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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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in Ophiem is State Farm
  • Average auto insurance rates in Ophiem, IL for senior drivers are $1,664 per year
  • The most expensive auto insurance company in Ophiem for teen drivers is Farmers

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

Compare auto insurance in Ophiem to other Illinois cities, including Elgin auto insurance rates, Joliet auto insurance rates, and Chicago auto insurance rates to see how Ophiem, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Ophiem, Illinois

Ophiem, 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 Ophiem, Illinois.

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

Auto insurance rates in Ophiem, 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 Ophiem, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,170 $2,172 $1,931 $2,035 $8,964 $9,338 $2,480 $2,608
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,334 $1,441 $1,110 $1,239 $4,210 $4,682 $1,399 $1,482
Nationwide $1,675 $1,707 $1,491 $1,581 $4,540 $5,829 $1,944 $2,105
Progressive $1,676 $1,592 $1,379 $1,439 $5,932 $6,664 $2,000 $2,169
State Farm $1,325 $1,325 $1,173 $1,173 $3,659 $4,649 $1,494 $1,713
Travelers $1,398 $1,476 $1,257 $1,340 $3,793 $4,696 $1,485 $1,564
USAA $1,518 $1,548 $1,407 $1,387 $4,800 $5,306 $1,990 $2,191

Cheap Ophiem, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ophiem, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,205 $8,633
Farmers $8,964 $9,338
GEICO $4,847 $5,129
Liberty Mutual $4,210 $4,682
Nationwide $4,540 $5,829
Progressive $5,932 $6,664
State Farm $3,659 $4,649
Travelers $3,793 $4,696
USAA $4,800 $5,306

Cheap Ophiem, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ophiem, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,037 $2,037
Farmers $1,931 $2,035
GEICO $1,521 $1,797
Liberty Mutual $1,110 $1,239
Nationwide $1,491 $1,581
Progressive $1,379 $1,439
State Farm $1,173 $1,173
Travelers $1,257 $1,340
USAA $1,407 $1,387

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

Annual Ophiem, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,614 $3,723 $4,933 $2,966
Farmers $3,348 $4,304 $4,197 $4,000
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,767 $2,486 $2,196 $2,000
Nationwide $2,105 $2,720 $3,196 $2,415
Progressive $2,361 $3,478 $2,609 $2,978
State Farm $1,896 $2,232 $2,064 $2,064
Travelers $1,702 $2,215 $2,460 $2,128
USAA $1,804 $2,576 $3,522 $2,173

Cheap Ophiem, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ophiem, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,008
American Family $4,933
Farmers $4,197
GEICO $3,482
Liberty Mutual $2,196
Nationwide $3,196
Progressive $2,609
State Farm $2,064
Travelers $2,460
USAA $3,522

Cheap Ophiem, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ophiem, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $4,742 $3,217 $2,718
Farmers $4,517 $3,776 $3,593
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,988 $1,861 $1,487
Nationwide $3,113 $2,512 $2,202
Progressive $3,261 $2,761 $2,547
State Farm $3,001 $1,797 $1,394
Travelers $2,605 $2,077 $1,696
USAA $3,364 $2,300 $1,892

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Cheap Ophiem, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ophiem, Illinois

ZIP Code Average Annual Rates
61468 $2,813

Cheap Ophiem, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ophiem, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,513 $3,605
Farmers $3,962 $3,962
GEICO $2,519 $2,617
Liberty Mutual $2,112 $2,112
Nationwide $2,609 $2,609
Progressive $2,856 $2,856
State Farm $2,012 $2,115
Travelers $2,044 $2,208
USAA $2,448 $2,589

Cheap Ophiem, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ophiem, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,452 $3,688 $3,537
Farmers $3,787 $3,878 $4,221
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,005 $2,108 $2,224
Nationwide $2,611 $2,626 $2,590
Progressive $2,640 $2,849 $3,080
State Farm $1,965 $2,067 $2,160
Travelers $2,009 $2,124 $2,245
USAA $2,370 $2,517 $2,669

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Best By Category: Cheapest Auto Insurance in Ophiem, Illinois

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

Best Annual Auto Insurance Rates by Company in Ophiem, Illinois

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

The Cheapest Ophiem, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ophiem, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,559
Farmers $3,962
GEICO $2,568
Liberty Mutual $2,112
Nationwide $2,609
Progressive $2,856
State Farm $2,064
Travelers $2,126
USAA $2,518

Compare Ophiem, Illinois Auto Insurance Quotes

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