Buy Cheap Kirkwood, IL Auto Insurance (2021)

Kirkwood, IL auto insurance rates average $242 a month. Minimum auto insurance requirements in Kirkwood, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Kirkwood, IL, compare Kirkwood 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 ...

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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 Kirkwood, IL are $242/month
  • The most expensive auto insurance company in Kirkwood is Allstate
  • The most expensive auto insurance company in Kirkwood after a DUI is Allstate

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

See how Kirkwood, IL car insurance rates compare to Champaign auto insurance rates, Cicero auto insurance rates, and Rockford auto insurance rates before you read more about the cost of auto insurance in Kirkwood.

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

Kirkwood, IL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Kirkwood, 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 Kirkwood, IL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Kirkwood, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $4,812 $3,260 $2,751
Farmers $4,620 $3,862 $3,676
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,935 $1,830 $1,462
Nationwide $3,164 $2,550 $2,235
Progressive $3,431 $2,899 $2,673
State Farm $3,043 $1,822 $1,413
Travelers $2,605 $2,077 $1,696
USAA $3,299 $2,255 $1,854

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Kirkwood, 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 $2,266 $2,266 $2,069 $2,069 $6,270 $8,739 $2,266 $2,917
Farmers $2,227 $2,228 $1,983 $2,091 $9,159 $9,532 $2,538 $2,662
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,314 $1,419 $1,097 $1,224 $4,134 $4,596 $1,374 $1,451
Nationwide $1,706 $1,740 $1,517 $1,611 $4,593 $5,910 $1,976 $2,143
Progressive $1,782 $1,702 $1,466 $1,527 $6,157 $6,924 $2,132 $2,314
State Farm $1,354 $1,354 $1,196 $1,196 $3,685 $4,691 $1,525 $1,742
Travelers $1,398 $1,476 $1,257 $1,340 $3,793 $4,696 $1,485 $1,564
USAA $1,488 $1,518 $1,379 $1,361 $4,700 $5,201 $1,953 $2,152

Buy Cheap Kirkwood, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Kirkwood, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,270 $8,739
Farmers $9,159 $9,532
GEICO $4,847 $5,129
Liberty Mutual $4,134 $4,596
Nationwide $4,593 $5,910
Progressive $6,157 $6,924
State Farm $3,685 $4,691
Travelers $3,793 $4,696
USAA $4,700 $5,201

Buy Cheap Kirkwood, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Kirkwood, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,069 $2,069
Farmers $1,983 $2,091
GEICO $1,521 $1,797
Liberty Mutual $1,097 $1,224
Nationwide $1,517 $1,611
Progressive $1,466 $1,527
State Farm $1,196 $1,196
Travelers $1,257 $1,340
USAA $1,379 $1,361

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

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

Annual Auto Insurance Rates by Coverage Level in Kirkwood, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,503 $3,739 $3,582
Farmers $3,872 $3,967 $4,317
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,965 $2,072 $2,191
Nationwide $2,654 $2,667 $2,629
Progressive $2,797 $2,993 $3,212
State Farm $1,991 $2,096 $2,191
Travelers $2,009 $2,124 $2,245
USAA $2,324 $2,467 $2,616

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Find Cheap Kirkwood, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Kirkwood, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,561 $3,655
Farmers $4,052 $4,052
GEICO $2,519 $2,617
Liberty Mutual $2,076 $2,076
Nationwide $2,650 $2,650
Progressive $3,001 $3,001
State Farm $2,040 $2,145
Travelers $2,044 $2,208
USAA $2,400 $2,538

Find Cheap Kirkwood, IL Auto Insurance Rates by Driving Record

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

Annual Kirkwood, 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 $2,651 $3,773 $5,001 $3,008
Farmers $3,427 $4,403 $4,294 $4,086
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,737 $2,444 $2,157 $1,966
Nationwide $2,134 $2,763 $3,250 $2,452
Progressive $2,483 $3,643 $2,742 $3,135
State Farm $1,926 $2,260 $2,093 $2,093
Travelers $1,702 $2,215 $2,460 $2,128
USAA $1,769 $2,525 $3,453 $2,130

Find Cheap Kirkwood, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Kirkwood, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,008
American Family $5,001
Farmers $4,294
GEICO $3,482
Liberty Mutual $2,157
Nationwide $3,250
Progressive $2,742
State Farm $2,093
Travelers $2,460
USAA $3,453

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

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

Best Annual Auto Insurance Rates by Company in Kirkwood, Illinois

Category Insurance Company
Teenagers State Farm
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 Kirkwood, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Kirkwood, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,608
Farmers $4,052
GEICO $2,568
Liberty Mutual $2,076
Nationwide $2,650
Progressive $3,001
State Farm $2,093
Travelers $2,126
USAA $2,469

What affects Kirkwood, Illinois auto insurance rates?

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

Commute Times in Kirkwood

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Kirkwood, IL is 22.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Kirkwood, IL

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

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