Best Cheap Auto Insurance in Palmer, IL (2021)

The average Palmer, IL auto insurance rates are $260 per month. The minimum auto insurance in Palmer is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Palmer, 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 Palmer, IL for senior drivers are $1,787 per year
  • The cheapest auto insurance company in Palmer is Liberty Mutual
  • The most expensive auto insurance company in Palmer for teen drivers is Allstate

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

Compare auto insurance in Palmer to other Illinois cities, including Elgin auto insurance rates, Aurora auto insurance rates, and Peoria auto insurance rates to see how Palmer, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Palmer, Illinois

Palmer, 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 Palmer, Illinois.

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

Auto insurance rates in Palmer, 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 Palmer, 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 $3,380 $3,396 $3,515 $3,515 $8,621 $11,252 $4,064 $4,395
American Family $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,306 $2,307 $2,050 $2,162 $9,626 $10,032 $2,630 $2,757
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,282 $1,382 $1,069 $1,192 $4,305 $4,784 $1,338 $1,408
Nationwide $1,694 $1,726 $1,508 $1,600 $4,571 $5,876 $1,964 $2,129
Progressive $2,058 $1,953 $1,691 $1,766 $7,437 $8,363 $2,467 $2,696
State Farm $1,341 $1,341 $1,194 $1,194 $3,773 $4,798 $1,515 $1,734
Travelers $1,473 $1,554 $1,334 $1,423 $4,129 $5,148 $1,563 $1,646
USAA $1,695 $1,726 $1,574 $1,552 $5,485 $6,055 $2,235 $2,459

Cheap Palmer, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Palmer, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,621 $11,252
American Family $6,205 $8,633
Farmers $9,626 $10,032
GEICO $4,847 $5,129
Liberty Mutual $4,305 $4,784
Nationwide $4,571 $5,876
Progressive $7,437 $8,363
State Farm $3,773 $4,798
Travelers $4,129 $5,148
USAA $5,485 $6,055

Cheap Palmer, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Palmer, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,515 $3,515
American Family $2,037 $2,037
Farmers $2,050 $2,162
GEICO $1,521 $1,797
Liberty Mutual $1,069 $1,192
Nationwide $1,508 $1,600
Progressive $1,691 $1,766
State Farm $1,194 $1,194
Travelers $1,334 $1,423
USAA $1,574 $1,552

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

Annual Palmer, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,828 $6,352 $5,926 $4,962
American Family $2,614 $3,723 $4,933 $2,966
Farmers $3,579 $4,603 $4,488 $4,264
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,745 $2,478 $2,176 $1,981
Nationwide $2,122 $2,746 $3,229 $2,437
Progressive $2,929 $4,344 $3,238 $3,705
State Farm $1,934 $2,288 $2,111 $2,111
Travelers $1,823 $2,380 $2,650 $2,282
USAA $2,029 $2,916 $3,998 $2,447

Cheap Palmer, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Palmer, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,926
American Family $4,933
Farmers $4,488
GEICO $3,482
Liberty Mutual $2,176
Nationwide $3,229
Progressive $3,238
State Farm $2,111
Travelers $2,650
USAA $3,998

Cheap Palmer, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Palmer, Illinois

Insurance Company Poor Fair Good
Allstate $6,732 $4,843 $4,227
American Family $4,742 $3,217 $2,718
Farmers $4,818 $4,039 $3,844
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,956 $1,853 $1,477
Nationwide $3,142 $2,535 $2,223
Progressive $4,048 $3,436 $3,178
State Farm $3,070 $1,838 $1,425
Travelers $2,792 $2,237 $1,822
USAA $3,795 $2,603 $2,144

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Cheap Palmer, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Palmer, Illinois

ZIP Code Average Annual Rates
62556 $3,071

Cheap Palmer, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Palmer, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,267 $5,267
American Family $3,513 $3,605
Farmers $4,234 $4,234
GEICO $2,519 $2,617
Liberty Mutual $2,095 $2,095
Nationwide $2,633 $2,633
Progressive $3,554 $3,554
State Farm $2,057 $2,165
Travelers $2,195 $2,373
USAA $2,767 $2,927

Cheap Palmer, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Palmer, Illinois

Insurance Company Low Medium High
Allstate $5,136 $5,263 $5,403
American Family $3,452 $3,688 $3,537
Farmers $4,042 $4,141 $4,518
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,978 $2,091 $2,217
Nationwide $2,632 $2,652 $2,616
Progressive $3,323 $3,548 $3,792
State Farm $1,998 $2,115 $2,221
Travelers $2,149 $2,281 $2,421
USAA $2,663 $2,845 $3,035

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Best By Category: Cheapest Auto Insurance in Palmer, Illinois

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

Best Annual Auto Insurance Rates by Company in Palmer, Illinois

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

The Cheapest Palmer, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Palmer, Illinois

Insurance Company Average Annual Rates
Allstate $5,267
American Family $3,559
Farmers $4,234
GEICO $2,568
Liberty Mutual $2,095
Nationwide $2,633
Progressive $3,554
State Farm $2,111
Travelers $2,284
USAA $2,847

What affects auto insurance rates in Palmer, Illinois?

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

Palmer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Palmer, Illinois commute length is 25.8 minutes according to City-Data.

Palmer Traffic

How does Palmer, Illinois rank for traffic? According to Inrix Palmer, Illinois is the 387th most congested worldwide.

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Compare Palmer, Illinois Auto Insurance Quotes

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