Best Cheap Auto Insurance in Virginia, IL (2021)

The average Virginia, IL auto insurance rates are $255 per month. The minimum auto insurance in Virginia is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Virginia, 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 Virginia, IL for senior drivers are $1,776 per year
  • The average commute length in Virginia is 20.6 minutes
  • The cheapest auto insurance company in Virginia is Liberty Mutual

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

Compare auto insurance in Virginia to other Illinois cities, including Springfield auto insurance rates, Chicago auto insurance rates, and Rockford auto insurance rates to see how Virginia, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Virginia, Illinois

Virginia, 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 Virginia, Illinois.

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

Auto insurance rates in Virginia, 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 Virginia, 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 $3,259 $3,274 $3,383 $3,383 $8,257 $10,766 $3,916 $4,232
American Family $2,262 $2,262 $2,060 $2,060 $6,169 $8,642 $2,262 $2,908
Farmers $2,430 $2,435 $2,165 $2,279 $9,863 $10,279 $2,763 $2,902
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,330 $1,435 $1,106 $1,233 $4,252 $4,727 $1,394 $1,476
Nationwide $1,704 $1,739 $1,515 $1,610 $4,566 $5,881 $1,972 $2,139
Progressive $1,788 $1,714 $1,471 $1,529 $6,025 $6,779 $2,140 $2,318
State Farm $1,477 $1,477 $1,303 $1,303 $3,994 $5,095 $1,664 $1,895
Travelers $1,464 $1,545 $1,311 $1,399 $3,968 $4,899 $1,557 $1,641
USAA $1,677 $1,708 $1,559 $1,537 $5,422 $5,984 $2,212 $2,433

Cheap Virginia, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Virginia, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,257 $10,766
American Family $6,169 $8,642
Farmers $9,863 $10,279
GEICO $4,847 $5,129
Liberty Mutual $4,252 $4,727
Nationwide $4,566 $5,881
Progressive $6,025 $6,779
State Farm $3,994 $5,095
Travelers $3,968 $4,899
USAA $5,422 $5,984

Cheap Virginia, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Virginia, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,383 $3,383
American Family $2,060 $2,060
Farmers $2,165 $2,279
GEICO $1,521 $1,797
Liberty Mutual $1,106 $1,233
Nationwide $1,515 $1,610
Progressive $1,471 $1,529
State Farm $1,303 $1,303
Travelers $1,311 $1,399
USAA $1,559 $1,537

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

Annual Virginia, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,694 $6,093 $5,679 $4,770
American Family $2,627 $3,743 $4,960 $2,983
Farmers $3,717 $4,766 $4,648 $4,426
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,770 $2,497 $2,203 $2,007
Nationwide $2,125 $2,754 $3,240 $2,443
Progressive $2,462 $3,595 $2,717 $3,108
State Farm $2,096 $2,456 $2,276 $2,276
Travelers $1,780 $2,318 $2,568 $2,226
USAA $2,007 $2,885 $3,953 $2,421

Cheap Virginia, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Virginia, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,679
American Family $4,960
Farmers $4,648
GEICO $3,482
Liberty Mutual $2,203
Nationwide $3,240
Progressive $2,717
State Farm $2,276
Travelers $2,568
USAA $3,953

Cheap Virginia, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Virginia, Illinois

Insurance Company Poor Fair Good
Allstate $6,472 $4,648 $4,056
American Family $4,785 $3,228 $2,721
Farmers $5,006 $4,181 $3,981
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,998 $1,868 $1,491
Nationwide $3,154 $2,540 $2,228
Progressive $3,402 $2,868 $2,642
State Farm $3,310 $1,981 $1,536
Travelers $2,726 $2,171 $1,773
USAA $3,753 $2,575 $2,121

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Cheap Virginia, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Virginia, Illinois

ZIP Code Average Annual Rates
62691 $2,997

Cheap Virginia, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Virginia, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,059 $5,059
American Family $3,531 $3,625
Farmers $4,389 $4,389
GEICO $2,519 $2,617
Liberty Mutual $2,119 $2,119
Nationwide $2,641 $2,641
Progressive $2,970 $2,970
State Farm $2,218 $2,334
Travelers $2,137 $2,309
USAA $2,737 $2,896

Cheap Virginia, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Virginia, Illinois

Insurance Company Low Medium High
Allstate $4,928 $5,055 $5,194
American Family $3,487 $3,708 $3,540
Farmers $4,196 $4,297 $4,675
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,012 $2,115 $2,230
Nationwide $2,646 $2,657 $2,619
Progressive $2,781 $2,962 $3,168
State Farm $2,163 $2,280 $2,385
Travelers $2,107 $2,221 $2,341
USAA $2,632 $2,814 $3,004

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Best By Category: Cheapest Auto Insurance in Virginia, Illinois

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

Best Annual Auto Insurance Rates by Company in Virginia, Illinois

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

The Cheapest Virginia, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Virginia, Illinois

Insurance Company Average Annual Rates
Allstate $5,059
American Family $3,578
Farmers $4,389
GEICO $2,568
Liberty Mutual $2,119
Nationwide $2,641
Progressive $2,971
State Farm $2,276
Travelers $2,223
USAA $2,816

What affects auto insurance rates in Virginia, Illinois?

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

Virginia Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Virginia, Illinois commute length is 20.6 minutes according to City-Data.

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Compare Virginia, Illinois Auto Insurance Quotes

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