Buy Cheap Ladd, IL Auto Insurance (2021)

Ladd, IL auto insurance rates average $239 a month. Minimum auto insurance requirements in Ladd, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Ladd, IL, compare Ladd 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 Ladd, IL for teens drivers are $5,447/year
  • Average auto insurance rates in Ladd, IL after a DUI are $3,351/year
  • The most expensive auto insurance company in Ladd is Allstate

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

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

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

Ladd, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Ladd, Illinois

Insurance Company Poor Fair Good
Allstate $5,750 $4,127 $3,607
American Family $4,935 $3,357 $2,837
Farmers $4,751 $3,992 $3,799
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,859 $1,788 $1,430
Nationwide $2,663 $2,150 $1,891
Progressive $3,352 $2,838 $2,619
State Farm $2,833 $1,697 $1,316
Travelers $2,761 $2,228 $1,809
USAA $3,152 $2,157 $1,775

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ladd, 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 $2,888 $2,902 $3,006 $3,006 $7,364 $9,575 $3,469 $3,747
American Family $2,310 $2,310 $2,115 $2,115 $6,509 $9,029 $2,310 $2,978
Farmers $2,235 $2,241 $1,982 $2,096 $9,624 $10,051 $2,549 $2,666
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,278 $1,379 $1,068 $1,191 $4,049 $4,499 $1,335 $1,407
Nationwide $1,460 $1,489 $1,303 $1,382 $3,824 $4,917 $1,681 $1,822
Progressive $1,725 $1,641 $1,420 $1,481 $6,089 $6,840 $2,061 $2,236
State Farm $1,216 $1,216 $1,091 $1,091 $3,535 $4,482 $1,376 $1,582
Travelers $1,434 $1,511 $1,313 $1,397 $4,153 $5,204 $1,518 $1,597
USAA $1,429 $1,459 $1,326 $1,310 $4,480 $4,953 $1,871 $2,063

Buy Cheap Ladd, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ladd, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,364 $9,575
American Family $6,509 $9,029
Farmers $9,624 $10,051
GEICO $4,847 $5,129
Liberty Mutual $4,049 $4,499
Nationwide $3,824 $4,917
Progressive $6,089 $6,840
State Farm $3,535 $4,482
Travelers $4,153 $5,204
USAA $4,480 $4,953

Buy Cheap Ladd, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ladd, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,006 $3,006
American Family $2,115 $2,115
Farmers $1,982 $2,096
GEICO $1,521 $1,797
Liberty Mutual $1,068 $1,191
Nationwide $1,303 $1,382
Progressive $1,420 $1,481
State Farm $1,091 $1,091
Travelers $1,313 $1,397
USAA $1,326 $1,310

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

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

Annual Auto Insurance Rates by Coverage Level in Ladd, Illinois

Insurance Company Low Medium High
Allstate $4,356 $4,490 $4,638
American Family $3,577 $3,845 $3,707
Farmers $3,967 $4,075 $4,500
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,917 $2,022 $2,139
Nationwide $2,226 $2,250 $2,228
Progressive $2,725 $2,929 $3,155
State Farm $1,839 $1,953 $2,054
Travelers $2,130 $2,263 $2,404
USAA $2,216 $2,359 $2,509

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Find Cheap Ladd, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Ladd, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,495 $4,495
American Family $3,662 $3,757
Farmers $4,181 $4,181
GEICO $2,519 $2,617
Liberty Mutual $2,026 $2,026
Nationwide $2,235 $2,235
Progressive $2,937 $2,937
State Farm $1,899 $1,998
Travelers $2,178 $2,354
USAA $2,295 $2,428

Find Cheap Ladd, IL Auto Insurance Rates by Driving Record

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

Annual Ladd, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,258 $5,440 $5,049 $4,232
American Family $2,727 $3,875 $5,144 $3,093
Farmers $3,533 $4,550 $4,438 $4,200
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,695 $2,386 $2,104 $1,918
Nationwide $1,805 $2,329 $2,735 $2,070
Progressive $2,427 $3,575 $2,682 $3,062
State Farm $1,778 $2,120 $1,949 $1,949
Travelers $1,807 $2,365 $2,630 $2,262
USAA $1,694 $2,415 $3,298 $2,039

Find Cheap Ladd, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ladd, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,049
American Family $5,144
Farmers $4,438
GEICO $3,482
Liberty Mutual $2,104
Nationwide $2,735
Progressive $2,682
State Farm $1,949
Travelers $2,630
USAA $3,298

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

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

Best Annual Auto Insurance Rates by Company in Ladd, Illinois

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

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Find Cheap Ladd, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ladd, Illinois

Insurance Company Average Annual Rates
Allstate $4,495
American Family $3,710
Farmers $4,181
GEICO $2,568
Liberty Mutual $2,026
Nationwide $2,235
Progressive $2,937
State Farm $1,949
Travelers $2,266
USAA $2,362

What affects Ladd, Illinois auto insurance rates?

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

Commute Times in Ladd

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Ladd, IL is 17.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Ladd, IL

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

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