Best Cheap Auto Insurance in Oquawka, IL (2021)

The average Oquawka, IL auto insurance rates are $241 per month. The minimum auto insurance in Oquawka is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Oquawka, 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 cheapest auto insurance company in Oquawka is Liberty Mutual
  • The average commute length in Oquawka is 23.7 minutes
  • Average auto insurance rates in Oquawka, IL for senior drivers are $1,679 per year

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

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

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

Minimum Auto Insurance in Oquawka, Illinois

Oquawka, 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 Oquawka, Illinois.

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

Auto insurance rates in Oquawka, 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 Oquawka, 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 $2,266 $2,266 $2,069 $2,069 $6,270 $8,739 $2,266 $2,917
Farmers $2,181 $2,183 $1,942 $2,047 $8,954 $9,323 $2,487 $2,613
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,314 $1,419 $1,097 $1,224 $4,134 $4,596 $1,374 $1,451
Nationwide $1,675 $1,707 $1,491 $1,581 $4,540 $5,829 $1,944 $2,105
Progressive $1,742 $1,671 $1,434 $1,492 $5,809 $6,535 $2,082 $2,247
State Farm $1,396 $1,396 $1,230 $1,230 $3,777 $4,806 $1,572 $1,799
Travelers $1,449 $1,530 $1,295 $1,382 $3,883 $4,785 $1,542 $1,625
USAA $1,488 $1,518 $1,379 $1,361 $4,700 $5,201 $1,953 $2,152

Cheap Oquawka, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oquawka, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,270 $8,739
Farmers $8,954 $9,323
GEICO $4,847 $5,129
Liberty Mutual $4,134 $4,596
Nationwide $4,540 $5,829
Progressive $5,809 $6,535
State Farm $3,777 $4,806
Travelers $3,883 $4,785
USAA $4,700 $5,201

Cheap Oquawka, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oquawka, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,069 $2,069
Farmers $1,942 $2,047
GEICO $1,521 $1,797
Liberty Mutual $1,097 $1,224
Nationwide $1,491 $1,581
Progressive $1,434 $1,492
State Farm $1,230 $1,230
Travelers $1,295 $1,382
USAA $1,379 $1,361

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

Annual Oquawka, 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 $2,651 $3,773 $5,001 $3,008
Farmers $3,354 $4,308 $4,201 $4,002
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,737 $2,444 $2,157 $1,966
Nationwide $2,105 $2,720 $3,196 $2,415
Progressive $2,386 $3,475 $2,633 $3,011
State Farm $1,981 $2,321 $2,151 $2,151
Travelers $1,751 $2,277 $2,526 $2,191
USAA $1,769 $2,525 $3,453 $2,130

Cheap Oquawka, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oquawka, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,008
American Family $5,001
Farmers $4,201
GEICO $3,482
Liberty Mutual $2,157
Nationwide $3,196
Progressive $2,633
State Farm $2,151
Travelers $2,526
USAA $3,453

Cheap Oquawka, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oquawka, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $4,812 $3,260 $2,751
Farmers $4,524 $3,778 $3,596
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,935 $1,830 $1,462
Nationwide $3,113 $2,512 $2,202
Progressive $3,298 $2,776 $2,554
State Farm $3,128 $1,872 $1,452
Travelers $2,684 $2,131 $1,743
USAA $3,299 $2,255 $1,854

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Cheap Oquawka, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oquawka, Illinois

ZIP Code Average Annual Rates
61469 $2,820

Cheap Oquawka, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oquawka, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,561 $3,655
Farmers $3,966 $3,966
GEICO $2,519 $2,617
Liberty Mutual $2,076 $2,076
Nationwide $2,609 $2,609
Progressive $2,876 $2,876
State Farm $2,097 $2,204
Travelers $2,101 $2,271
USAA $2,400 $2,538

Cheap Oquawka, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oquawka, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,503 $3,739 $3,582
Farmers $3,789 $3,882 $4,228
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,965 $2,072 $2,191
Nationwide $2,611 $2,626 $2,590
Progressive $2,678 $2,866 $3,084
State Farm $2,053 $2,153 $2,246
Travelers $2,071 $2,184 $2,303
USAA $2,324 $2,467 $2,616

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Best By Category: Cheapest Auto Insurance in Oquawka, Illinois

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

Best Annual Auto Insurance Rates by Company in Oquawka, Illinois

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

The Cheapest Oquawka, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oquawka, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,608
Farmers $3,966
GEICO $2,568
Liberty Mutual $2,076
Nationwide $2,609
Progressive $2,876
State Farm $2,151
Travelers $2,186
USAA $2,469

What affects auto insurance rates in Oquawka, Illinois?

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

Oquawka Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oquawka, Illinois commute length is 23.7 minutes according to City-Data.

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Compare Oquawka, Illinois Auto Insurance Quotes

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