Best Cheap Auto Insurance in Watseka, IL (2021)

The average Watseka, IL auto insurance rates are $259 per month. The minimum auto insurance in Watseka is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Watseka, Illinois, compare quotes from multiple companies.

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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: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Watseka, Illinois is 25/50/20
  • The average commute length in Watseka is 19.0 minutes
  • The most expensive auto insurance company in Watseka for teen drivers is Allstate

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

Compare auto insurance in Watseka to other Illinois cities, including Champaign auto insurance rates, Rockford auto insurance rates, and Elgin auto insurance rates to see how Watseka, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Watseka, Illinois

Watseka, 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 Watseka, Illinois.

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

Auto insurance rates in Watseka, 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 Watseka, 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 $3,440 $3,454 $3,608 $3,608 $9,052 $11,779 $4,141 $4,478
American Family $2,247 $2,247 $2,059 $2,059 $6,391 $8,844 $2,247 $2,899
Farmers $2,315 $2,315 $2,054 $2,172 $9,907 $10,325 $2,645 $2,769
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,372 $1,481 $1,140 $1,275 $4,514 $5,024 $1,434 $1,513
Nationwide $1,925 $1,959 $1,711 $1,813 $5,345 $6,858 $2,246 $2,433
Progressive $1,811 $1,718 $1,489 $1,564 $6,358 $7,132 $2,153 $2,318
State Farm $1,351 $1,351 $1,203 $1,203 $3,819 $4,848 $1,526 $1,752
Travelers $1,374 $1,449 $1,240 $1,322 $3,778 $4,684 $1,458 $1,535
USAA $1,719 $1,765 $1,598 $1,592 $5,442 $6,030 $2,275 $2,525

Cheap Watseka, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Watseka, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,052 $11,779
American Family $6,391 $8,844
Farmers $9,907 $10,325
GEICO $4,375 $4,641
Liberty Mutual $4,514 $5,024
Nationwide $5,345 $6,858
Progressive $6,358 $7,132
State Farm $3,819 $4,848
Travelers $3,778 $4,684
USAA $5,442 $6,030

Cheap Watseka, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Watseka, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,608 $3,608
American Family $2,059 $2,059
Farmers $2,054 $2,172
GEICO $1,364 $1,612
Liberty Mutual $1,140 $1,275
Nationwide $1,711 $1,813
Progressive $1,489 $1,564
State Farm $1,203 $1,203
Travelers $1,240 $1,322
USAA $1,598 $1,592

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

Annual Watseka, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,847 $6,648 $6,180 $5,105
American Family $2,662 $3,788 $5,026 $3,020
Farmers $3,641 $4,694 $4,577 $4,340
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,852 $2,621 $2,306 $2,099
Nationwide $2,445 $3,167 $3,724 $2,809
Progressive $2,535 $3,732 $2,805 $3,200
State Farm $1,952 $2,311 $2,132 $2,132
Travelers $1,685 $2,193 $2,436 $2,106
USAA $2,050 $2,931 $4,024 $2,468

Cheap Watseka, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Watseka, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,180
American Family $5,026
Farmers $4,577
GEICO $3,141
Liberty Mutual $2,306
Nationwide $3,724
Progressive $2,805
State Farm $2,132
Travelers $2,436
USAA $4,024

Cheap Watseka, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Watseka, Illinois

Insurance Company Poor Fair Good
Allstate $6,935 $5,012 $4,388
American Family $4,815 $3,281 $2,776
Farmers $4,903 $4,118 $3,917
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,137 $1,960 $1,562
Nationwide $3,624 $2,926 $2,559
Progressive $3,514 $2,961 $2,728
State Farm $3,100 $1,856 $1,439
Travelers $2,576 $2,059 $1,679
USAA $3,831 $2,620 $2,154

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Cheap Watseka, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Watseka, Illinois

ZIP Code Average Annual Rates
60970 $3,062

Cheap Watseka, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Watseka, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,445 $5,445
American Family $3,578 $3,670
Farmers $4,313 $4,313
GEICO $2,263 $2,351
Liberty Mutual $2,219 $2,219
Nationwide $3,036 $3,036
Progressive $3,068 $3,068
State Farm $2,078 $2,185
Travelers $2,023 $2,186
USAA $2,787 $2,949

Cheap Watseka, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Watseka, Illinois

Insurance Company Low Medium High
Allstate $5,274 $5,440 $5,621
American Family $3,482 $3,757 $3,633
Farmers $4,105 $4,212 $4,621
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,093 $2,215 $2,350
Nationwide $3,022 $3,060 $3,026
Progressive $2,816 $3,049 $3,339
State Farm $2,022 $2,135 $2,238
Travelers $1,988 $2,103 $2,224
USAA $2,681 $2,865 $3,059

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Best By Category: Cheapest Auto Insurance in Watseka, Illinois

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

Best Annual Auto Insurance Rates by Company in Watseka, Illinois

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

The Cheapest Watseka, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Watseka, Illinois

Insurance Company Average Annual Rates
Allstate $5,445
American Family $3,624
Farmers $4,313
GEICO $2,307
Liberty Mutual $2,219
Nationwide $3,036
Progressive $3,068
State Farm $2,132
Travelers $2,105
USAA $2,868

What affects auto insurance rates in Watseka, Illinois?

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

Watseka Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Watseka, Illinois commute length is 19.0 minutes according to City-Data.

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Compare Watseka, Illinois Auto Insurance Quotes

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