Buy Cheap Lerna, IL Auto Insurance (2021)

Lerna, IL auto insurance rates average $244 a month. Minimum auto insurance requirements in Lerna, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Lerna, IL, compare Lerna 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 Lerna, IL are $244/month
  • The most expensive auto insurance company in Lerna after a DUI is Allstate
  • Average auto insurance rates in Lerna, IL after a DUI are $3,397/year

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

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

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

Lerna, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Lerna, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,600 $3,120 $2,635
Farmers $4,748 $3,989 $3,795
GEICO $3,690 $1,812 $1,417
Liberty Mutual $2,897 $1,806 $1,443
Nationwide $2,631 $2,129 $1,868
Progressive $3,851 $3,249 $2,995
State Farm $3,155 $1,889 $1,465
Travelers $2,504 $2,010 $1,638
USAA $3,657 $2,511 $2,069

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lerna, 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 $2,243 $2,246 $1,990 $2,102 $9,588 $10,007 $2,560 $2,680
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,297 $1,400 $1,083 $1,209 $4,080 $4,534 $1,355 $1,432
Nationwide $1,431 $1,458 $1,279 $1,353 $3,820 $4,891 $1,655 $1,789
Progressive $1,988 $1,888 $1,636 $1,716 $6,958 $7,814 $2,368 $2,554
State Farm $1,381 $1,381 $1,227 $1,227 $3,874 $4,918 $1,559 $1,791
Travelers $1,320 $1,392 $1,203 $1,282 $3,707 $4,635 $1,396 $1,470
USAA $1,638 $1,669 $1,524 $1,504 $5,277 $5,820 $2,158 $2,375

Buy Cheap Lerna, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lerna, 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 $9,588 $10,007
GEICO $4,375 $4,641
Liberty Mutual $4,080 $4,534
Nationwide $3,820 $4,891
Progressive $6,958 $7,814
State Farm $3,874 $4,918
Travelers $3,707 $4,635
USAA $5,277 $5,820

Buy Cheap Lerna, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lerna, 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 $1,990 $2,102
GEICO $1,364 $1,612
Liberty Mutual $1,083 $1,209
Nationwide $1,279 $1,353
Progressive $1,636 $1,716
State Farm $1,227 $1,227
Travelers $1,203 $1,282
USAA $1,524 $1,504

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

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

Annual Auto Insurance Rates by Coverage Level in Lerna, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,343 $3,577 $3,435
Farmers $3,973 $4,077 $4,482
GEICO $2,131 $2,300 $2,489
Liberty Mutual $1,938 $2,044 $2,164
Nationwide $2,212 $2,223 $2,195
Progressive $3,096 $3,347 $3,653
State Farm $2,062 $2,173 $2,274
Travelers $1,926 $2,048 $2,178
USAA $2,561 $2,743 $2,933

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Find Cheap Lerna, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lerna, 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 $4,177 $4,177
GEICO $2,263 $2,351
Liberty Mutual $2,049 $2,049
Nationwide $2,210 $2,210
Progressive $3,365 $3,365
State Farm $2,115 $2,224
Travelers $1,971 $2,130
USAA $2,669 $2,823

Find Cheap Lerna, IL Auto Insurance Rates by Driving Record

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

Annual Lerna, 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 $3,530 $4,546 $4,433 $4,201
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,713 $2,412 $2,129 $1,940
Nationwide $1,791 $2,302 $2,697 $2,049
Progressive $2,779 $4,095 $3,075 $3,512
State Farm $1,989 $2,351 $2,170 $2,170
Travelers $1,639 $2,137 $2,380 $2,047
USAA $1,958 $2,812 $3,851 $2,361

Find Cheap Lerna, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lerna, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,309
American Family $4,782
Farmers $4,433
GEICO $3,141
Liberty Mutual $2,129
Nationwide $2,697
Progressive $3,075
State Farm $2,170
Travelers $2,380
USAA $3,851

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

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

Best Annual Auto Insurance Rates by Company in Lerna, Illinois

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

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Find Cheap Lerna, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lerna, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,452
Farmers $4,177
GEICO $2,307
Liberty Mutual $2,049
Nationwide $2,210
Progressive $3,365
State Farm $2,170
Travelers $2,051
USAA $2,746

What affects Lerna, Illinois auto insurance rates?

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

Commute Times in Lerna

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lerna, IL is 24.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Lerna, IL

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

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