Buy Cheap Flat Rock, IL Auto Insurance (2021)

Flat Rock, IL auto insurance rates average $249 a month. Minimum auto insurance requirements in Flat Rock, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Flat Rock, IL, compare Flat Rock 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

  • Average auto insurance rates in Flat Rock, IL are $249/month
  • Average auto insurance rates in Flat Rock, IL for teens drivers are $5,597/year
  • The most expensive auto insurance company in Flat Rock after a DUI is Allstate

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

See how Flat Rock, IL car insurance rates compare to Elgin auto insurance rates, Champaign auto insurance rates, and Springfield auto insurance rates before you read more about the cost of auto insurance in Flat Rock.

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

Flat Rock, IL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Flat Rock, 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 Flat Rock, IL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Flat Rock, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,600 $3,120 $2,635
Farmers $4,800 $4,004 $3,812
GEICO $3,690 $1,812 $1,417
Liberty Mutual $2,936 $1,827 $1,460
Nationwide $3,206 $2,585 $2,266
Progressive $3,715 $3,119 $2,866
State Farm $3,132 $1,875 $1,454
Travelers $2,804 $2,240 $1,827
USAA $3,658 $2,511 $2,069

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Flat Rock, 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 $3,031 $3,046 $3,153 $3,153 $7,734 $10,062 $3,641 $3,934
American Family $2,165 $2,165 $1,978 $1,978 $6,009 $8,367 $2,165 $2,787
Farmers $2,341 $2,345 $2,087 $2,196 $9,413 $9,802 $2,662 $2,797
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,324 $1,430 $1,104 $1,232 $4,095 $4,555 $1,386 $1,469
Nationwide $1,726 $1,759 $1,535 $1,629 $4,666 $5,999 $2,001 $2,170
Progressive $1,973 $1,891 $1,624 $1,696 $6,500 $7,309 $2,352 $2,523
State Farm $1,400 $1,400 $1,234 $1,234 $3,776 $4,806 $1,577 $1,803
Travelers $1,478 $1,561 $1,339 $1,429 $4,129 $5,166 $1,567 $1,652
USAA $1,639 $1,669 $1,524 $1,504 $5,278 $5,822 $2,158 $2,375

Buy Cheap Flat Rock, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Flat Rock, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,009 $8,367
Farmers $9,413 $9,802
GEICO $4,375 $4,641
Liberty Mutual $4,095 $4,555
Nationwide $4,666 $5,999
Progressive $6,500 $7,309
State Farm $3,776 $4,806
Travelers $4,129 $5,166
USAA $5,278 $5,822

Buy Cheap Flat Rock, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Flat Rock, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $1,978 $1,978
Farmers $2,087 $2,196
GEICO $1,364 $1,612
Liberty Mutual $1,104 $1,232
Nationwide $1,535 $1,629
Progressive $1,624 $1,696
State Farm $1,234 $1,234
Travelers $1,339 $1,429
USAA $1,524 $1,504

Find Cheap Auto Insurance Rates in Flat Rock, IL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Flat Rock, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,343 $3,577 $3,435
Farmers $4,025 $4,120 $4,470
GEICO $2,131 $2,300 $2,489
Liberty Mutual $1,966 $2,070 $2,187
Nationwide $2,684 $2,705 $2,669
Progressive $2,992 $3,214 $3,495
State Farm $2,056 $2,157 $2,249
Travelers $2,141 $2,287 $2,442
USAA $2,562 $2,743 $2,933

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Find Cheap Flat Rock, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Flat Rock, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,407 $3,497
Farmers $4,205 $4,205
GEICO $2,263 $2,351
Liberty Mutual $2,074 $2,074
Nationwide $2,686 $2,686
Progressive $3,233 $3,233
State Farm $2,100 $2,207
Travelers $2,201 $2,380
USAA $2,669 $2,823

Find Cheap Flat Rock, IL Auto Insurance Rates by Driving Record

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

Annual Flat Rock, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,422 $5,702 $5,309 $4,444
American Family $2,535 $3,615 $4,782 $2,876
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,737 $2,439 $2,156 $1,965
Nationwide $2,163 $2,801 $3,294 $2,485
Progressive $2,681 $3,904 $2,962 $3,388
State Farm $1,984 $2,323 $2,154 $2,154
Travelers $1,825 $2,380 $2,668 $2,287
USAA $1,958 $2,813 $3,852 $2,361

Find Cheap Flat Rock, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Flat Rock, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,309
American Family $4,782
Farmers $4,452
GEICO $3,141
Liberty Mutual $2,156
Nationwide $3,294
Progressive $2,962
State Farm $2,154
Travelers $2,668
USAA $3,852

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

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

Best Annual Auto Insurance Rates by Company in Flat Rock, Illinois

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

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Find Cheap Flat Rock, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Flat Rock, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,452
Farmers $4,205
GEICO $2,307
Liberty Mutual $2,074
Nationwide $2,686
Progressive $3,233
State Farm $2,154
Travelers $2,290
USAA $2,746

What affects Flat Rock, Illinois auto insurance rates?

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

Commute Times in Flat Rock

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Flat Rock, IL is 20.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Flat Rock, IL

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

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