Best Cheap Auto Insurance in Seneca, IL (2021)

The average Seneca, IL auto insurance rates are $255 per month. The minimum auto insurance in Seneca is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Seneca, 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 Seneca is Liberty Mutual
  • The minimum auto insurance required in Seneca, Illinois is 25/50/20
  • The most expensive auto insurance company in Seneca for teen drivers is Farmers

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

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

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

Minimum Auto Insurance in Seneca, Illinois

Seneca, 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 Seneca, Illinois.

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

Auto insurance rates in Seneca, 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 Seneca, 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 $3,213 $3,227 $3,361 $3,361 $8,381 $10,919 $3,866 $4,181
American Family $2,414 $2,414 $2,210 $2,210 $6,824 $9,465 $2,414 $3,113
Farmers $2,353 $2,350 $2,087 $2,208 $10,133 $10,554 $2,691 $2,814
GEICO $1,489 $1,509 $1,429 $1,724 $4,524 $4,715 $1,873 $1,790
Liberty Mutual $1,217 $1,312 $1,018 $1,135 $3,954 $4,391 $1,268 $1,333
Nationwide $1,479 $1,505 $1,321 $1,398 $3,944 $5,055 $1,710 $1,850
Progressive $1,927 $1,830 $1,589 $1,656 $6,871 $7,725 $2,303 $2,501
State Farm $1,373 $1,373 $1,229 $1,229 $3,939 $4,996 $1,552 $1,781
Travelers $1,575 $1,662 $1,446 $1,541 $4,631 $5,854 $1,666 $1,755
USAA $1,600 $1,645 $1,486 $1,482 $4,980 $5,522 $2,110 $2,346

Cheap Seneca, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Seneca, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,381 $10,919
American Family $6,824 $9,465
Farmers $10,133 $10,554
GEICO $4,524 $4,715
Liberty Mutual $3,954 $4,391
Nationwide $3,944 $5,055
Progressive $6,871 $7,725
State Farm $3,939 $4,996
Travelers $4,631 $5,854
USAA $4,980 $5,522

Cheap Seneca, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Seneca, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,361 $3,361
American Family $2,210 $2,210
Farmers $2,087 $2,208
GEICO $1,429 $1,724
Liberty Mutual $1,018 $1,135
Nationwide $1,321 $1,398
Progressive $1,589 $1,656
State Farm $1,229 $1,229
Travelers $1,446 $1,541
USAA $1,486 $1,482

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

Annual Seneca, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,607 $6,157 $5,736 $4,754
American Family $2,855 $4,049 $5,389 $3,238
Farmers $3,711 $4,789 $4,670 $4,425
GEICO $1,745 $2,359 $3,243 $2,179
Liberty Mutual $1,632 $2,305 $2,029 $1,849
Nationwide $1,847 $2,379 $2,789 $2,115
Progressive $2,723 $4,026 $3,012 $3,439
State Farm $1,996 $2,373 $2,184 $2,184
Travelers $1,996 $2,619 $2,943 $2,507
USAA $1,898 $2,702 $3,703 $2,283

Cheap Seneca, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Seneca, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,736
American Family $5,389
Farmers $4,670
GEICO $3,243
Liberty Mutual $2,029
Nationwide $2,789
Progressive $3,012
State Farm $2,184
Travelers $2,943
USAA $3,703

Cheap Seneca, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Seneca, Illinois

Insurance Company Poor Fair Good
Allstate $6,453 $4,661 $4,077
American Family $5,166 $3,512 $2,970
Farmers $4,998 $4,202 $3,997
GEICO $3,813 $1,870 $1,461
Liberty Mutual $2,752 $1,728 $1,381
Nationwide $2,717 $2,199 $1,932
Progressive $3,760 $3,192 $2,949
State Farm $3,172 $1,903 $1,477
Travelers $3,068 $2,473 $2,008
USAA $3,539 $2,416 $1,985

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Cheap Seneca, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Seneca, Illinois

ZIP Code Average Annual Rates
61360 $3,016

Cheap Seneca, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Seneca, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,064 $5,064
American Family $3,833 $3,933
Farmers $4,399 $4,399
GEICO $2,338 $2,425
Liberty Mutual $1,954 $1,954
Nationwide $2,283 $2,283
Progressive $3,300 $3,300
State Farm $2,129 $2,239
Travelers $2,418 $2,615
USAA $2,572 $2,721

Cheap Seneca, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Seneca, Illinois

Insurance Company Low Medium High
Allstate $4,918 $5,059 $5,214
American Family $3,738 $4,025 $3,886
Farmers $4,188 $4,298 $4,710
GEICO $2,164 $2,374 $2,607
Liberty Mutual $1,844 $1,949 $2,067
Nationwide $2,267 $2,301 $2,280
Progressive $3,051 $3,295 $3,555
State Farm $2,060 $2,187 $2,305
Travelers $2,339 $2,513 $2,697
USAA $2,479 $2,643 $2,817

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Best By Category: Cheapest Auto Insurance in Seneca, Illinois

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

Best Annual Auto Insurance Rates by Company in Seneca, 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 Seneca, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Seneca, Illinois

Insurance Company Average Annual Rates
Allstate $5,064
American Family $3,883
Farmers $4,399
GEICO $2,382
Liberty Mutual $1,954
Nationwide $2,283
Progressive $3,300
State Farm $2,184
Travelers $2,516
USAA $2,647

What affects auto insurance rates in Seneca, Illinois?

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

Seneca Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Seneca, Illinois commute length is 28.4 minutes according to City-Data.

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Compare Seneca, Illinois Auto Insurance Quotes

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