Buy Cheap Modoc, IL Auto Insurance (2021)

Modoc, IL auto insurance rates average $287 a month. Minimum auto insurance requirements in Modoc, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Modoc, IL, compare Modoc 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 Modoc, IL are $287/month
  • Average auto insurance rates in Modoc, IL after a DUI are $4,012/year
  • Average auto insurance rates in Modoc, IL for teens drivers are $6,530/year

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

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

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

Modoc, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Modoc, Illinois

Insurance Company Poor Fair Good
Allstate $6,539 $4,678 $4,095
American Family $5,488 $3,717 $3,138
Farmers $5,299 $4,450 $4,236
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,386 $2,115 $1,681
Nationwide $4,492 $3,613 $3,159
Progressive $4,362 $3,684 $3,394
State Farm $3,404 $2,037 $1,579
Travelers $3,107 $2,496 $2,030
USAA $3,553 $2,447 $2,019

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Modoc, 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 $3,281 $3,298 $3,420 $3,420 $8,381 $10,841 $3,938 $4,249
American Family $2,572 $2,572 $2,349 $2,349 $7,181 $10,006 $2,572 $3,313
Farmers $2,513 $2,521 $2,229 $2,354 $10,674 $11,154 $2,858 $2,990
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,454 $1,569 $1,205 $1,349 $4,948 $5,508 $1,519 $1,600
Nationwide $2,375 $2,419 $2,104 $2,236 $6,607 $8,514 $2,773 $3,012
Progressive $2,269 $2,159 $1,869 $1,957 $7,831 $8,809 $2,702 $2,910
State Farm $1,500 $1,500 $1,330 $1,330 $4,150 $5,287 $1,692 $1,930
Travelers $1,596 $1,687 $1,464 $1,563 $4,664 $5,911 $1,689 $1,780
USAA $1,590 $1,613 $1,481 $1,454 $5,175 $5,692 $2,089 $2,289

Buy Cheap Modoc, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Modoc, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,381 $10,841
American Family $7,181 $10,006
Farmers $10,674 $11,154
GEICO $5,690 $6,014
Liberty Mutual $4,948 $5,508
Nationwide $6,607 $8,514
Progressive $7,831 $8,809
State Farm $4,150 $5,287
Travelers $4,664 $5,911
USAA $5,175 $5,692

Buy Cheap Modoc, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Modoc, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,420 $3,420
American Family $2,349 $2,349
Farmers $2,229 $2,354
GEICO $1,757 $2,095
Liberty Mutual $1,205 $1,349
Nationwide $2,104 $2,236
Progressive $1,869 $1,957
State Farm $1,330 $1,330
Travelers $1,464 $1,563
USAA $1,481 $1,454

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

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

Annual Auto Insurance Rates by Coverage Level in Modoc, Illinois

Insurance Company Low Medium High
Allstate $4,910 $5,098 $5,303
American Family $3,973 $4,265 $4,105
Farmers $4,429 $4,546 $5,010
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,252 $2,389 $2,541
Nationwide $3,730 $3,788 $3,747
Progressive $3,484 $3,795 $4,161
State Farm $2,216 $2,344 $2,460
Travelers $2,350 $2,541 $2,743
USAA $2,486 $2,670 $2,862

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Find Cheap Modoc, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Modoc, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,104 $5,104
American Family $4,061 $4,168
Farmers $4,662 $4,662
GEICO $2,920 $3,043
Liberty Mutual $2,394 $2,394
Nationwide $3,755 $3,755
Progressive $3,813 $3,813
State Farm $2,280 $2,400
Travelers $2,444 $2,644
USAA $2,598 $2,748

Find Cheap Modoc, IL Auto Insurance Rates by Driving Record

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

Annual Modoc, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,682 $6,208 $5,722 $4,802
American Family $3,025 $4,283 $5,715 $3,434
Farmers $3,945 $5,072 $4,947 $4,683
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,992 $2,836 $2,487 $2,262
Nationwide $3,008 $3,920 $4,625 $3,468
Progressive $3,148 $4,635 $3,486 $3,984
State Farm $2,148 $2,531 $2,340 $2,340
Travelers $2,015 $2,640 $2,988 $2,534
USAA $1,903 $2,742 $3,750 $2,297

Find Cheap Modoc, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Modoc, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,722
American Family $5,715
Farmers $4,947
GEICO $4,060
Liberty Mutual $2,487
Nationwide $4,625
Progressive $3,486
State Farm $2,340
Travelers $2,988
USAA $3,750

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

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

Best Annual Auto Insurance Rates by Company in Modoc, Illinois

Category Insurance Company
Teenagers State Farm
Seniors Liberty Mutual
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 Modoc, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Modoc, Illinois

Insurance Company Average Annual Rates
Allstate $5,104
American Family $4,114
Farmers $4,662
GEICO $2,982
Liberty Mutual $2,394
Nationwide $3,755
Progressive $3,813
State Farm $2,340
Travelers $2,544
USAA $2,673

Compare Auto Insurance Quotes in Modoc, IL

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

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