Buy Cheap Fairfield, IL Auto Insurance (2022)

Fairfield, IL auto insurance rates average $253 a month. Minimum auto insurance requirements in Fairfield, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Fairfield, IL, compare Fairfield auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Fairfield after a DUI is Allstate
  • The most expensive auto insurance company in Fairfield is Allstate
  • Average auto insurance rates in Fairfield, IL are $253/month

Finding affordable Fairfield, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Fairfield, IL auto insurance with confidence is right here. Auto insurance rates in Fairfield are affected by local factors as well as personal ones like your driving record.

See how Fairfield, IL car insurance rates compare to Peoria auto insurance rates, Naperville auto insurance rates, and Chicago auto insurance rates before you read more about the cost of auto insurance in Fairfield.

Don’t buy Fairfield, IL auto insurance until you’ve compared rates. Get free Fairfield, Illinois auto insurance quotes when you enter your ZIP code above.

Fairfield, IL Minimum Auto Insurance Requirements

The required auto insurance in Fairfield, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Fairfield, Illinois is outlined here.

Minimum Required Auto Insurance Coverage in Fairfield, 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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Find Cheap Fairfield, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Fairfield, IL. Take a look at Fairfield, Illinois auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Fairfield, Illinois

Insurance Company Poor Fair Good
Allstate $5,622 $4,042 $3,535
American Family $4,600 $3,120 $2,635
Farmers $4,728 $3,943 $3,754
GEICO $4,796 $2,334 $1,816
Liberty Mutual $2,988 $1,859 $1,486
Nationwide $3,206 $2,585 $2,266
Progressive $3,986 $3,344 $3,071
State Farm $3,164 $1,894 $1,469
Travelers $2,575 $2,050 $1,676
USAA $3,823 $2,623 $2,160

Buy Cheap Fairfield, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Fairfield, Illinois auto insurance rates? Find out how car insurance rates in Fairfield, IL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fairfield, 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 $2,815 $2,828 $2,937 $2,937 $7,239 $9,407 $3,382 $3,654
American Family $2,165 $2,165 $1,978 $1,978 $6,009 $8,367 $2,165 $2,787
Farmers $2,303 $2,309 $2,053 $2,158 $9,262 $9,655 $2,625 $2,766
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,348 $1,457 $1,124 $1,256 $4,164 $4,631 $1,411 $1,493
Nationwide $1,726 $1,759 $1,535 $1,629 $4,666 $5,999 $2,001 $2,170
Progressive $2,133 $2,048 $1,757 $1,833 $6,916 $7,785 $2,542 $2,723
State Farm $1,425 $1,425 $1,252 $1,252 $3,790 $4,828 $1,604 $1,832
Travelers $1,388 $1,466 $1,245 $1,328 $3,735 $4,610 $1,476 $1,555
USAA $1,706 $1,737 $1,586 $1,562 $5,528 $6,101 $2,251 $2,475

Buy Cheap Fairfield, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Fairfield can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Fairfield, IL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Fairfield, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,239 $9,407
American Family $6,009 $8,367
Farmers $9,262 $9,655
GEICO $5,690 $6,014
Liberty Mutual $4,164 $4,631
Nationwide $4,666 $5,999
Progressive $6,916 $7,785
State Farm $3,790 $4,828
Travelers $3,735 $4,610
USAA $5,528 $6,101

Buy Cheap Fairfield, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Fairfield, Illinois by comparing Fairfield senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Fairfield, IL here.

Annual Auto Insurance Rates for Senior Drivers in Fairfield, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $2,937
American Family $1,978 $1,978
Farmers $2,053 $2,158
GEICO $1,757 $2,095
Liberty Mutual $1,124 $1,256
Nationwide $1,535 $1,629
Progressive $1,757 $1,833
State Farm $1,252 $1,252
Travelers $1,245 $1,328
USAA $1,586 $1,562

Find Cheap Auto Insurance Rates in Fairfield, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Fairfield, Illinois auto insurance. Compare Fairfield, IL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Fairfield, Illinois

Insurance Company Low Medium High
Allstate $4,257 $4,395 $4,546
American Family $3,343 $3,577 $3,435
Farmers $3,967 $4,057 $4,401
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,000 $2,106 $2,226
Nationwide $2,684 $2,705 $2,669
Progressive $3,193 $3,446 $3,762
State Farm $2,081 $2,179 $2,268
Travelers $1,990 $2,098 $2,213
USAA $2,681 $2,866 $3,058

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Find Cheap Fairfield, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Fairfield. Compare auto insurance rates in Fairfield, IL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Fairfield, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,400 $4,400
American Family $3,407 $3,497
Farmers $4,142 $4,142
GEICO $2,920 $3,043
Liberty Mutual $2,111 $2,111
Nationwide $2,686 $2,686
Progressive $3,467 $3,467
State Farm $2,122 $2,230
Travelers $2,019 $2,181
USAA $2,788 $2,949

Find Cheap Fairfield, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Fairfield, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Fairfield, IL, take a look at the average cost for various violations versus rates for a clean driving record in Fairfield.

Annual Fairfield, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,164 $5,342 $4,955 $4,138
American Family $2,535 $3,615 $4,782 $2,876
Farmers $3,506 $4,493 $4,382 $4,185
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,768 $2,481 $2,194 $1,999
Nationwide $2,163 $2,801 $3,294 $2,485
Progressive $2,875 $4,179 $3,178 $3,636
State Farm $2,008 $2,343 $2,176 $2,176
Travelers $1,684 $2,188 $2,426 $2,103
USAA $2,043 $2,938 $4,028 $2,465

Find Cheap Fairfield, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Fairfield, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Fairfield for less when you shop around and compare rates from multiple Fairfield, IL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Fairfield, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,955
American Family $4,782
Farmers $4,382
GEICO $4,060
Liberty Mutual $2,194
Nationwide $3,294
Progressive $3,178
State Farm $2,176
Travelers $2,426
USAA $4,028

Winners by Category: Where to Buy Cheap Auto Insurance in Fairfield, IL

Compare rates from the cheapest auto insurance companies in Fairfield, IL for your needs. Take a look at how Fairfield, Illinois auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Fairfield, Illinois

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

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Find Cheap Fairfield, Illinois Auto Insurance Companies

If you’re looking for the cheapest Fairfield, IL auto insurance companies overall, you can compare them here. Find the best price for Fairfield, Illinois car insurance by company.

Average Annual Auto Insurance Rates by Company in Fairfield, Illinois

Insurance Company Average Annual Rates
Allstate $4,400
American Family $3,452
Farmers $4,142
GEICO $2,982
Liberty Mutual $2,111
Nationwide $2,686
Progressive $3,467
State Farm $2,176
Travelers $2,100
USAA $2,868

What affects Fairfield, Illinois auto insurance rates?

Local factors affect auto insurance rates in Fairfield, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Fairfield auto insurance rates.

Commute Times in Fairfield

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fairfield, IL is 23.3 minutes according to City-Data.

Traffic in Fairfield

How is traffic in Fairfield, Illinois? Inrix data shows that Fairfield, IL traffic makes it the 658th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Fairfield, IL

You can buy cheap Fairfield, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Fairfield, Illinois auto insurance quotes from top companies.

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