Buy Cheap Monticello, IL Auto Insurance (2021)

Monticello, IL auto insurance rates average $238 a month. Minimum auto insurance requirements in Monticello, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Monticello, IL, compare Monticello 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

  • The most expensive auto insurance company in Monticello after a DUI is Allstate
  • Average auto insurance rates in Monticello, IL after a DUI are $3,320/year
  • Average auto insurance rates in Monticello, IL are $238/month

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

See how Monticello, IL car insurance rates compare to Naperville auto insurance rates, Cicero auto insurance rates, and Joliet auto insurance rates before you read more about the cost of auto insurance in Monticello.

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

Monticello, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Monticello, Illinois

Insurance Company Poor Fair Good
Allstate $5,883 $4,234 $3,699
American Family $4,281 $2,918 $2,470
Farmers $4,594 $3,858 $3,670
GEICO $3,690 $1,812 $1,417
Liberty Mutual $2,905 $1,819 $1,450
Nationwide $2,998 $2,421 $2,122
Progressive $3,516 $2,984 $2,759
State Farm $3,008 $1,801 $1,397
Travelers $2,290 $1,832 $1,495
USAA $3,672 $2,521 $2,077

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Monticello, 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 $2,953 $2,967 $3,074 $3,074 $7,561 $9,833 $3,547 $3,833
American Family $2,004 $2,004 $1,837 $1,837 $5,668 $7,844 $2,004 $2,584
Farmers $2,177 $2,177 $1,933 $2,042 $9,259 $9,648 $2,487 $2,603
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,260 $1,359 $1,051 $1,173 $4,224 $4,697 $1,315 $1,385
Nationwide $1,616 $1,647 $1,440 $1,526 $4,370 $5,607 $1,875 $2,029
Progressive $1,782 $1,688 $1,467 $1,533 $6,487 $7,284 $2,131 $2,320
State Farm $1,302 $1,302 $1,162 $1,162 $3,729 $4,724 $1,472 $1,696
Travelers $1,229 $1,295 $1,112 $1,184 $3,347 $4,141 $1,301 $1,369
USAA $1,644 $1,675 $1,530 $1,509 $5,299 $5,845 $2,166 $2,384

Buy Cheap Monticello, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Monticello, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,561 $9,833
American Family $5,668 $7,844
Farmers $9,259 $9,648
GEICO $4,375 $4,641
Liberty Mutual $4,224 $4,697
Nationwide $4,370 $5,607
Progressive $6,487 $7,284
State Farm $3,729 $4,724
Travelers $3,347 $4,141
USAA $5,299 $5,845

Buy Cheap Monticello, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Monticello, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,074 $3,074
American Family $1,837 $1,837
Farmers $1,933 $2,042
GEICO $1,364 $1,612
Liberty Mutual $1,051 $1,173
Nationwide $1,440 $1,526
Progressive $1,467 $1,533
State Farm $1,162 $1,162
Travelers $1,112 $1,184
USAA $1,530 $1,509

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

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

Annual Auto Insurance Rates by Coverage Level in Monticello, Illinois

Insurance Company Low Medium High
Allstate $4,473 $4,601 $4,742
American Family $3,103 $3,341 $3,224
Farmers $3,850 $3,949 $4,324
GEICO $2,131 $2,300 $2,489
Liberty Mutual $1,937 $2,053 $2,184
Nationwide $2,515 $2,530 $2,496
Progressive $2,868 $3,080 $3,312
State Farm $1,964 $2,072 $2,171
Travelers $1,775 $1,870 $1,971
USAA $2,572 $2,754 $2,944

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Find Cheap Monticello, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Monticello, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,605 $4,605
American Family $3,182 $3,264
Farmers $4,041 $4,041
GEICO $2,263 $2,351
Liberty Mutual $2,058 $2,058
Nationwide $2,514 $2,514
Progressive $3,086 $3,086
State Farm $2,017 $2,120
Travelers $1,800 $1,944
USAA $2,679 $2,834

Find Cheap Monticello, IL Auto Insurance Rates by Driving Record

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

Annual Monticello, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,330 $5,570 $5,187 $4,334
American Family $2,365 $3,384 $4,461 $2,682
Farmers $3,413 $4,397 $4,287 $4,067
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,714 $2,434 $2,138 $1,947
Nationwide $2,030 $2,620 $3,077 $2,328
Progressive $2,545 $3,773 $2,814 $3,213
State Farm $1,891 $2,246 $2,069 $2,069
Travelers $1,504 $1,953 $2,159 $1,874
USAA $1,965 $2,823 $3,867 $2,370

Find Cheap Monticello, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Monticello, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,187
American Family $4,461
Farmers $4,287
GEICO $3,141
Liberty Mutual $2,138
Nationwide $3,077
Progressive $2,814
State Farm $2,069
Travelers $2,159
USAA $3,867

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

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

Best Annual Auto Insurance Rates by Company in Monticello, Illinois

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

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Find Cheap Monticello, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Monticello, Illinois

Insurance Company Average Annual Rates
Allstate $4,605
American Family $3,223
Farmers $4,041
GEICO $2,307
Liberty Mutual $2,058
Nationwide $2,514
Progressive $3,086
State Farm $2,069
Travelers $1,872
USAA $2,756

What affects Monticello, Illinois auto insurance rates?

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

Commute Times in Monticello

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Monticello, IL is 20.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Monticello, IL

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

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