Best Cheap Auto Insurance in West Point, IL (2021)

The average West Point, IL auto insurance rates are $252 per month. The minimum auto insurance in West Point is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in West Point, 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 West Point, IL for senior drivers are $1,758 per year
  • The most expensive auto insurance company in West Point for teen drivers is Farmers
  • The cheapest auto insurance company in West Point is State Farm

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

Compare auto insurance in West Point to other Illinois cities, including Peoria auto insurance rates, Springfield auto insurance rates, and Rockford auto insurance rates to see how West Point, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in West Point, Illinois

West Point, 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 West Point, Illinois.

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

Auto insurance rates in West Point, 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 West Point, 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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,501 $2,501 $2,278 $2,278 $6,853 $9,591 $2,501 $3,218
Farmers $2,341 $2,345 $2,087 $2,196 $9,413 $9,802 $2,662 $2,797
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,390 $1,503 $1,154 $1,291 $4,362 $4,857 $1,458 $1,547
Nationwide $1,706 $1,740 $1,517 $1,611 $4,593 $5,910 $1,976 $2,143
Progressive $2,030 $1,966 $1,672 $1,730 $6,424 $7,250 $2,436 $2,628
State Farm $1,335 $1,335 $1,170 $1,170 $3,492 $4,462 $1,501 $1,705
Travelers $1,461 $1,543 $1,310 $1,399 $3,952 $4,899 $1,553 $1,637
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

Cheap West Point, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in West Point, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,853 $9,591
Farmers $9,413 $9,802
GEICO $4,847 $5,129
Liberty Mutual $4,362 $4,857
Nationwide $4,593 $5,910
Progressive $6,424 $7,250
State Farm $3,492 $4,462
Travelers $3,952 $4,899
USAA $5,289 $5,831

Cheap West Point, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in West Point, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,278 $2,278
Farmers $2,087 $2,196
GEICO $1,521 $1,797
Liberty Mutual $1,154 $1,291
Nationwide $1,517 $1,611
Progressive $1,672 $1,730
State Farm $1,170 $1,170
Travelers $1,310 $1,399
USAA $1,527 $1,507

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

Annual West Point, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,914 $4,133 $5,504 $3,309
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,837 $2,583 $2,283 $2,079
Nationwide $2,134 $2,763 $3,250 $2,452
Progressive $2,716 $3,925 $2,994 $3,434
State Farm $1,870 $2,173 $2,021 $2,021
Travelers $1,774 $2,308 $2,573 $2,220
USAA $1,960 $2,818 $3,858 $2,364

Cheap West Point, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in West Point, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,008
American Family $5,504
Farmers $4,452
GEICO $3,482
Liberty Mutual $2,283
Nationwide $3,250
Progressive $2,994
State Farm $2,021
Travelers $2,573
USAA $3,858

Cheap West Point, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in West Point, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $5,302 $3,577 $3,016
Farmers $4,800 $4,004 $3,812
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,110 $1,933 $1,543
Nationwide $3,164 $2,550 $2,235
Progressive $3,752 $3,153 $2,897
State Farm $2,939 $1,760 $1,365
Travelers $2,723 $2,165 $1,769
USAA $3,661 $2,516 $2,074

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Cheap West Point, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in West Point, Illinois

ZIP Code Average Annual Rates
62380 $2,963

Cheap West Point, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in West Point, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,913 $4,017
Farmers $4,205 $4,205
GEICO $2,519 $2,617
Liberty Mutual $2,195 $2,195
Nationwide $2,650 $2,650
Progressive $3,267 $3,267
State Farm $1,971 $2,072
Travelers $2,133 $2,305
USAA $2,673 $2,827

Cheap West Point, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in West Point, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,867 $4,109 $3,919
Farmers $4,025 $4,120 $4,470
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,080 $2,191 $2,315
Nationwide $2,654 $2,667 $2,629
Progressive $3,071 $3,259 $3,471
State Farm $1,930 $2,024 $2,111
Travelers $2,091 $2,216 $2,350
USAA $2,561 $2,747 $2,942

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Best By Category: Cheapest Auto Insurance in West Point, Illinois

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

Best Annual Auto Insurance Rates by Company in West Point, Illinois

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

The Cheapest West Point, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in West Point, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,965
Farmers $4,205
GEICO $2,568
Liberty Mutual $2,195
Nationwide $2,650
Progressive $3,267
State Farm $2,021
Travelers $2,219
USAA $2,750

What affects auto insurance rates in West Point, Illinois?

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

West Point Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average West Point, Illinois commute length is 26.7 minutes according to City-Data.

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Compare West Point, Illinois Auto Insurance Quotes

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