Best Cheap Auto Insurance in Wilmette, IL (2021)

The average Wilmette, IL auto insurance rates are $313 per month. The minimum auto insurance in Wilmette is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Wilmette, 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 Wilmette, IL for senior drivers are $2,092 per year
  • The most expensive auto insurance company in Wilmette for teen drivers is Farmers
  • The minimum auto insurance required in Wilmette, Illinois is 25/50/20

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

Compare auto insurance in Wilmette to other Illinois cities, including Waukegan auto insurance rates, Peoria auto insurance rates, and Aurora auto insurance rates to see how Wilmette, Illinois auto insurance rates stack up.

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

Minimum Auto Insurance in Wilmette, Illinois

Wilmette, 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 Wilmette, Illinois.

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

Auto insurance rates in Wilmette, 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 Wilmette, 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 $3,990 $4,008 $4,179 $4,179 $10,511 $13,629 $4,795 $5,183
American Family $2,744 $2,744 $2,521 $2,521 $7,996 $11,005 $2,744 $3,555
Farmers $2,803 $2,795 $2,475 $2,628 $12,601 $13,142 $3,206 $3,334
GEICO $1,919 $1,977 $1,873 $2,108 $6,938 $7,166 $2,188 $2,275
Liberty Mutual $1,505 $1,619 $1,239 $1,383 $5,461 $6,068 $1,578 $1,661
Nationwide $2,119 $2,148 $1,888 $1,992 $5,973 $7,629 $2,483 $2,682
Progressive $2,132 $1,997 $1,769 $1,843 $8,177 $9,161 $2,551 $2,772
State Farm $1,630 $1,630 $1,482 $1,482 $5,269 $6,650 $1,851 $2,131
Travelers $1,822 $1,921 $1,687 $1,797 $5,635 $7,151 $1,930 $2,030
USAA $1,513 $1,531 $1,410 $1,380 $4,937 $5,422 $1,983 $2,166

Cheap Wilmette, Illinois Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Wilmette, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,511 $13,629
American Family $7,996 $11,005
Farmers $12,601 $13,142
GEICO $6,938 $7,166
Liberty Mutual $5,461 $6,068
Nationwide $5,973 $7,629
Progressive $8,177 $9,161
State Farm $5,269 $6,650
Travelers $5,635 $7,151
USAA $4,937 $5,422

Cheap Wilmette, Illinois Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Wilmette, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,179 $4,179
American Family $2,521 $2,521
Farmers $2,475 $2,628
GEICO $1,873 $2,108
Liberty Mutual $1,239 $1,383
Nationwide $1,888 $1,992
Progressive $1,769 $1,843
State Farm $1,482 $1,482
Travelers $1,687 $1,797
USAA $1,410 $1,380

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

Annual Wilmette, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,454 $7,688 $7,185 $5,911
American Family $3,297 $4,650 $6,230 $3,739
Farmers $4,529 $5,864 $5,716 $5,382
GEICO $2,212 $3,653 $4,754 $2,602
Liberty Mutual $2,124 $3,050 $2,665 $2,419
Nationwide $2,717 $3,508 $4,116 $3,116
Progressive $3,120 $4,685 $3,458 $3,938
State Farm $2,504 $3,027 $2,766 $2,766
Travelers $2,372 $3,136 $3,496 $2,982
USAA $1,811 $2,610 $3,565 $2,185

Cheap Wilmette, Illinois Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Wilmette, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,185
American Family $6,230
Farmers $5,716
GEICO $4,754
Liberty Mutual $2,665
Nationwide $4,116
Progressive $3,458
State Farm $2,766
Travelers $3,496
USAA $3,565

Cheap Wilmette, Illinois Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Wilmette, Illinois

Insurance Company Poor Fair Good
Allstate $8,020 $5,818 $5,089
American Family $5,938 $4,060 $3,439
Farmers $6,077 $5,147 $4,895
GEICO $5,324 $2,585 $2,008
Liberty Mutual $3,621 $2,272 $1,801
Nationwide $4,014 $3,246 $2,833
Progressive $4,302 $3,681 $3,418
State Farm $4,020 $2,408 $1,868
Travelers $3,635 $2,963 $2,392
USAA $3,376 $2,329 $1,923

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Cheap Wilmette, Illinois Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Wilmette, Illinois

ZIP Code Average Annual Rates
60091 $3,716

Cheap Wilmette, Illinois Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Wilmette, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,309 $6,309
American Family $4,422 $4,536
Farmers $5,373 $5,373
GEICO $3,251 $3,360
Liberty Mutual $2,564 $2,564
Nationwide $3,364 $3,364
Progressive $3,800 $3,800
State Farm $2,695 $2,837
Travelers $2,877 $3,116
USAA $2,472 $2,614

Cheap Wilmette, Illinois Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Wilmette, Illinois

Insurance Company Low Medium High
Allstate $6,120 $6,304 $6,504
American Family $4,290 $4,644 $4,502
Farmers $5,099 $5,241 $5,779
GEICO $2,998 $3,308 $3,611
Liberty Mutual $2,432 $2,561 $2,701
Nationwide $3,319 $3,398 $3,376
Progressive $3,522 $3,795 $4,084
State Farm $2,582 $2,772 $2,942
Travelers $2,799 $2,993 $3,198
USAA $2,363 $2,541 $2,725

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Best By Category: Cheapest Auto Insurance in Wilmette, Illinois

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

Best Annual Auto Insurance Rates by Company in Wilmette, Illinois

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

The Cheapest Wilmette, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Wilmette, Illinois

Insurance Company Average Annual Rates
Allstate $6,309
American Family $4,479
Farmers $5,373
GEICO $3,305
Liberty Mutual $2,564
Nationwide $3,364
Progressive $3,800
State Farm $2,766
Travelers $2,997
USAA $2,543

What affects auto insurance rates in Wilmette, Illinois?

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

Wilmette Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Wilmette, Illinois commute length is 33.4 minutes according to City-Data.

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Compare Wilmette, Illinois Auto Insurance Quotes

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