Best Cheap Auto Insurance in Pearl City, IL (2021)

The average Pearl City, IL auto insurance rates are $246 per month. The minimum auto insurance in Pearl City is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Pearl City, Illinois, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The minimum auto insurance required in Pearl City, Illinois is 25/50/20
  • The most expensive auto insurance company in Pearl City for teen drivers is Allstate
  • The cheapest auto insurance company in Pearl City is Liberty Mutual

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

Compare auto insurance in Pearl City to other Illinois cities, including Rockford auto insurance rates, Joliet auto insurance rates, and Peoria auto insurance rates to see how Pearl City, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Pearl City, Illinois

Pearl City, 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 Pearl City, Illinois.

Minimum Required Auto Insurance Coverage in Pearl City, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Pearl City, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Pearl City, 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 Pearl City, 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 $3,275 $3,290 $3,422 $3,422 $8,496 $11,080 $3,942 $4,263
American Family $2,245 $2,245 $2,055 $2,055 $6,324 $8,770 $2,245 $2,896
Farmers $2,250 $2,249 $1,998 $2,110 $9,532 $9,929 $2,574 $2,700
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,303 $1,405 $1,086 $1,210 $4,221 $4,688 $1,363 $1,440
Nationwide $1,421 $1,449 $1,269 $1,345 $3,728 $4,788 $1,637 $1,772
Progressive $1,936 $1,854 $1,594 $1,661 $6,502 $7,313 $2,314 $2,496
State Farm $1,337 $1,337 $1,189 $1,189 $3,770 $4,785 $1,510 $1,733
Travelers $1,386 $1,462 $1,258 $1,340 $3,871 $4,827 $1,469 $1,547
USAA $1,498 $1,521 $1,395 $1,371 $4,862 $5,356 $1,970 $2,159

Cheap Pearl City, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Pearl City, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,496 $11,080
American Family $6,324 $8,770
Farmers $9,532 $9,929
GEICO $4,524 $4,715
Liberty Mutual $4,221 $4,688
Nationwide $3,728 $4,788
Progressive $6,502 $7,313
State Farm $3,770 $4,785
Travelers $3,871 $4,827
USAA $4,862 $5,356

Cheap Pearl City, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Pearl City, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,422 $3,422
American Family $2,055 $2,055
Farmers $1,998 $2,110
GEICO $1,429 $1,724
Liberty Mutual $1,086 $1,210
Nationwide $1,269 $1,345
Progressive $1,594 $1,661
State Farm $1,189 $1,189
Travelers $1,258 $1,340
USAA $1,395 $1,371

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

Annual Pearl City, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,687 $6,249 $5,820 $4,839
American Family $2,647 $3,768 $4,998 $3,004
Farmers $3,518 $4,533 $4,420 $4,199
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,743 $2,464 $2,172 $1,978
Nationwide $1,760 $2,268 $2,660 $2,017
Progressive $2,658 $3,883 $2,936 $3,358
State Farm $1,929 $2,283 $2,106 $2,106
Travelers $1,714 $2,234 $2,489 $2,143
USAA $1,794 $2,581 $3,528 $2,162

Cheap Pearl City, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Pearl City, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,820
American Family $4,998
Farmers $4,420
GEICO $3,243
Liberty Mutual $2,172
Nationwide $2,660
Progressive $2,936
State Farm $2,106
Travelers $2,489
USAA $3,528

Cheap Pearl City, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Pearl City, Illinois

Insurance Company Poor Fair Good
Allstate $6,568 $4,737 $4,141
American Family $4,795 $3,261 $2,757
Farmers $4,741 $3,978 $3,784
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,953 $1,844 $1,471
Nationwide $2,593 $2,094 $1,842
Progressive $3,678 $3,097 $2,851
State Farm $3,063 $1,834 $1,422
Travelers $2,622 $2,101 $1,712
USAA $3,347 $2,303 $1,900

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Pearl City, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Pearl City, Illinois

ZIP Code Average Annual Rates
61062 $2,899

Cheap Pearl City, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Pearl City, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,149 $5,149
American Family $3,558 $3,651
Farmers $4,168 $4,168
GEICO $2,338 $2,425
Liberty Mutual $2,089 $2,089
Nationwide $2,176 $2,176
Progressive $3,209 $3,209
State Farm $2,053 $2,159
Travelers $2,062 $2,228
USAA $2,446 $2,587

Cheap Pearl City, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Pearl City, Illinois

Insurance Company Low Medium High
Allstate $5,005 $5,144 $5,297
American Family $3,484 $3,736 $3,593
Farmers $3,977 $4,075 $4,451
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,982 $2,085 $2,201
Nationwide $2,174 $2,190 $2,164
Progressive $2,984 $3,195 $3,447
State Farm $1,998 $2,110 $2,211
Travelers $2,017 $2,142 $2,275
USAA $2,344 $2,513 $2,692

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Pearl City, Illinois

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

Best Annual Auto Insurance Rates by Company in Pearl City, Illinois

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

The Cheapest Pearl City, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Pearl City, Illinois

Insurance Company Average Annual Rates
Allstate $5,149
American Family $3,604
Farmers $4,168
GEICO $2,382
Liberty Mutual $2,089
Nationwide $2,176
Progressive $3,209
State Farm $2,106
Travelers $2,145
USAA $2,516

What affects auto insurance rates in Pearl City, Illinois?

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

Pearl City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Pearl City, Illinois commute length is 22.0 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Pearl City, Illinois Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption