Best Cheap Auto Insurance in Wheaton, IL (2021)

The average Wheaton, IL auto insurance rates are $267 per month. The minimum auto insurance in Wheaton is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Wheaton, 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 average commute length in Wheaton is 28.0 minutes
  • The most expensive auto insurance company in Wheaton for teen drivers is Farmers
  • The minimum auto insurance required in Wheaton, Illinois is 25/50/20

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

Compare auto insurance in Wheaton to other Illinois cities, including Joliet auto insurance rates, Waukegan auto insurance rates, and Rockford auto insurance rates to see how Wheaton, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Wheaton, Illinois

Wheaton, 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 Wheaton, Illinois.

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

Auto insurance rates in Wheaton, 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 Wheaton, 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 $3,138 $3,152 $3,293 $3,293 $8,277 $10,753 $3,776 $4,082
American Family $2,312 $2,312 $2,123 $2,123 $6,664 $9,188 $2,312 $2,989
Farmers $2,384 $2,382 $2,106 $2,237 $10,734 $11,203 $2,728 $2,840
GEICO $1,779 $1,836 $1,743 $1,967 $6,470 $6,661 $2,040 $2,111
Liberty Mutual $1,374 $1,478 $1,136 $1,268 $4,895 $5,440 $1,435 $1,508
Nationwide $1,515 $1,534 $1,359 $1,429 $4,126 $5,249 $1,762 $1,897
Progressive $1,928 $1,801 $1,602 $1,677 $7,305 $8,170 $2,290 $2,458
State Farm $1,522 $1,522 $1,381 $1,381 $4,924 $6,212 $1,728 $1,997
Travelers $1,535 $1,615 $1,424 $1,514 $4,687 $5,930 $1,621 $1,704
USAA $1,499 $1,513 $1,397 $1,363 $4,934 $5,417 $1,965 $2,139

Cheap Wheaton, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Wheaton, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,277 $10,753
American Family $6,664 $9,188
Farmers $10,734 $11,203
GEICO $6,470 $6,661
Liberty Mutual $4,895 $5,440
Nationwide $4,126 $5,249
Progressive $7,305 $8,170
State Farm $4,924 $6,212
Travelers $4,687 $5,930
USAA $4,934 $5,417

Cheap Wheaton, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Wheaton, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,293 $3,293
American Family $2,123 $2,123
Farmers $2,106 $2,237
GEICO $1,743 $1,967
Liberty Mutual $1,136 $1,268
Nationwide $1,359 $1,429
Progressive $1,602 $1,677
State Farm $1,381 $1,381
Travelers $1,424 $1,514
USAA $1,397 $1,363

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

Annual Wheaton, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,503 $6,070 $5,652 $4,657
American Family $2,758 $3,917 $5,208 $3,127
Farmers $3,859 $4,993 $4,869 $4,587
GEICO $2,056 $3,376 $4,455 $2,416
Liberty Mutual $1,923 $2,752 $2,406 $2,187
Nationwide $1,919 $2,456 $2,869 $2,190
Progressive $2,798 $4,186 $3,105 $3,526
State Farm $2,339 $2,827 $2,583 $2,583
Travelers $1,989 $2,620 $2,912 $2,493
USAA $1,798 $2,597 $3,546 $2,171

Cheap Wheaton, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Wheaton, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,652
American Family $5,208
Farmers $4,869
GEICO $4,455
Liberty Mutual $2,406
Nationwide $2,869
Progressive $3,105
State Farm $2,583
Travelers $2,912
USAA $3,546

Cheap Wheaton, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Wheaton, Illinois

Insurance Company Poor Fair Good
Allstate $6,323 $4,579 $4,009
American Family $4,977 $3,400 $2,880
Farmers $5,182 $4,382 $4,167
GEICO $4,948 $2,407 $1,872
Liberty Mutual $3,266 $2,053 $1,631
Nationwide $2,803 $2,278 $1,996
Progressive $3,866 $3,294 $3,051
State Farm $3,759 $2,248 $1,742
Travelers $3,036 $2,475 $1,999
USAA $3,356 $2,316 $1,913

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Cheap Wheaton, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Wheaton, Illinois

ZIP Code Average Annual Rates
60187 $3,164
60189 $3,165

Cheap Wheaton, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Wheaton, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,970 $4,970
American Family $3,705 $3,800
Farmers $4,577 $4,577
GEICO $3,025 $3,127
Liberty Mutual $2,317 $2,317
Nationwide $2,359 $2,359
Progressive $3,404 $3,404
State Farm $2,518 $2,648
Travelers $2,405 $2,602
USAA $2,458 $2,599

Cheap Wheaton, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Wheaton, Illinois

Insurance Company Low Medium High
Allstate $4,813 $4,966 $5,133
American Family $3,599 $3,891 $3,768
Farmers $4,334 $4,457 $4,939
GEICO $2,775 $3,074 $3,378
Liberty Mutual $2,188 $2,313 $2,449
Nationwide $2,321 $2,383 $2,374
Progressive $3,093 $3,388 $3,731
State Farm $2,423 $2,590 $2,736
Travelers $2,346 $2,500 $2,664
USAA $2,352 $2,526 $2,707

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Best By Category: Cheapest Auto Insurance in Wheaton, Illinois

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

Best Annual Auto Insurance Rates by Company in Wheaton, Illinois

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

The Cheapest Wheaton, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Wheaton, Illinois

Insurance Company Average Annual Rates
Allstate $4,970
American Family $3,753
Farmers $4,577
GEICO $3,076
Liberty Mutual $2,317
Nationwide $2,359
Progressive $3,404
State Farm $2,583
Travelers $2,504
USAA $2,528

What affects auto insurance rates in Wheaton, Illinois?

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

Wheaton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Wheaton, Illinois commute length is 28.0 minutes according to City-Data.

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Compare Wheaton, Illinois Auto Insurance Quotes

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