Best Cheap Auto Insurance in Thornton, IL (2021)

The cheapest Thornton, IL auto insurance insurance is from Liberty Mutual, although rates will vary by driver. Auto insurance in Thornton must meet the state minimums of 25/50/20 in liability coverage and 25/50 in uninsured/underinsured motorist coverage. Compare Thornton, IL auto insurance rates online to find your best deal.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: Apr 27, 2021

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Things to Remember

  • Liberty Mutual has the cheapest average auto insurance rates in Thornton, IL
  • Thornton is a suburb of Chicago and sees a high volume of traffic
  • Drivers in Thornton must meet the minimum auto insurance requirements for Illinois

Thornton, IL auto insurance can be more expensive because it is so close to Chicago and shares heavy traffic with the bigger city. However, Illinois auto insurance rates, in general, are lower than the national average.

The good news is that you can find affordable Thornton, IL auto insurance if you know where to look. Shop around and compare quotes from different companies to see who has the cheap car insurance that fits your needs.

Monthly Thornton, IL Car Insurance Rates by ZIP Code

Check out the monthly Thornton, IL auto insurance rates by ZIP Code below:

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Thornton, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Thornton, IL stack up against other top metro auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare Thornton, IL auto insurance rates from multiple companies for free.

What is the cheapest auto insurance company in Thornton, IL?

The company with the cheapest auto insurance in Thornton, IL on average is Liberty Mutual. However, rates will be different for every driver.

Which Thornton, IL auto insurance company has the cheapest rates? And how do those rates compare against the average Illinois auto insurance company rates? We’ve got the answers below.

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The top Thornton, IL auto insurance companies listed from least to most expensive are:

  • Liberty Mutual – $2,718.51
  • Travelers – $2,879.93
  • State Farm – $2,964.47
  • USAA – $3,042.45
  • Nationwide – $3,304.45
  • GEICO – $3,400.48
  • Progressive – $3,795.39
  • American Family – $4,278.76
  • Farmers – $5,610.38
  • Allstate – $6,855.17

Your car insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, auto insurance in Chicago, IL is more expensive than coverage in Thornton.

Thornton, IL auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Thornton auto insurance rates. Find the cheapest Thornton, IL auto insurance rates by coverage level below:

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Your credit score will play a major role in your Thornton auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Thornton, IL auto insurance rates by credit score below.

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Your driving record will play a major role in your Thornton auto insurance rates. For example, other factors aside, a Thornton, IL DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Thornton, IL auto insurance rates by driving record.

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Factors affecting auto insurance rates in Thornton, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Thornton, Illinois auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Illinois does use gender, so check out the average monthly auto insurance rates by age and gender in Thornton, IL.

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What auto insurance coverage is required in Thornton, IL?

Like most other states, Illinois requires drivers to meet minimum car insurance requirements. Drivers in Thornton must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. This is especially helpful considering Thornton, IL weather like ice and snow can cause accidents.

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What affects auto insurance rates in Thornton, IL?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have traffic data for Thornton, IL, it does have data for nearby Chicago. The city of Chicago is listed as the third most congested city in the U.S. and the seventh most congested city in the world.

That explains why City-Data reports that most drivers in Thornton commute around 35 minutes, and a large number commute an hour or more.

Theft can also raise your auto insurance rates. According to the FBI, there were only three motor vehicle thefts in one year in Thornton. However, there were 11,578 vehicle thefts in Chicago during that same time.

Thornton, IL Auto Insurance: The Bottom Line

Although Thornton car insurance can be expensive since it’s so close to Chicago, you can still find a good deal. Before you buy Thornton, IL auto insurance, shop around and compare rates to see who has the cheapest coverage.

Enter your ZIP code now to compare Thornton, IL auto insurance quotes from multiple companies near you.

Free Auto Insurance Comparison

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

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Monthly Thornton, IL Auto Insurance Rates by ZIP Code
Thornton, IL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Thornton, IL Auto Insurance Rates by Company vs. City Average
Thornton, IL Auto Insurance Rates by Company and Age
The Cheapest Thornton, IL Auto Insurance Rates by Coverage Level
The Cheapest Thornton, IL Auto Insurance Rates by Credit Score
The Cheapest Thornton, IL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Thornton, IL
Average Monthly Auto Insurance Rates by Age & Gender in Thornton, IL
Monthly Thornton, IL Auto Insurance Rates by ZIP Code
Thornton, IL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Thornton, IL Auto Insurance Rates by Company vs. City Average
Thornton, IL Auto Insurance Rates by Company and Age
The Cheapest Thornton, IL Auto Insurance Rates by Coverage Level
The Cheapest Thornton, IL Auto Insurance Rates by Credit Score
The Cheapest Thornton, IL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Thornton, IL
Average Monthly Auto Insurance Rates by Age & Gender in Thornton, IL