Buy Cheap Oakwood, IL Auto Insurance (2021)

Oakwood, IL auto insurance rates average $249 a month. Minimum auto insurance requirements in Oakwood, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Oakwood, IL, compare Oakwood 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

  • The most expensive auto insurance company in Oakwood after a DUI is Allstate
  • The most expensive auto insurance company in Oakwood is Allstate
  • Average auto insurance rates in Oakwood, IL are $249/month

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

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

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

Oakwood, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Oakwood, Illinois

Insurance Company Poor Fair Good
Allstate $5,883 $4,234 $3,699
American Family $4,719 $3,215 $2,720
Farmers $4,635 $3,891 $3,702
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,052 $1,903 $1,517
Nationwide $3,151 $2,545 $2,230
Progressive $3,746 $3,168 $2,924
State Farm $3,048 $1,825 $1,415
Travelers $2,804 $2,252 $1,832
USAA $3,831 $2,620 $2,154

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Oakwood, 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 $2,205 $2,205 $2,021 $2,021 $6,253 $8,653 $2,205 $2,847
Farmers $2,196 $2,196 $1,950 $2,060 $9,338 $9,730 $2,510 $2,629
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,343 $1,449 $1,119 $1,248 $4,360 $4,847 $1,404 $1,484
Nationwide $1,693 $1,724 $1,508 $1,597 $4,608 $5,912 $1,967 $2,129
Progressive $1,911 $1,805 $1,575 $1,653 $6,869 $7,702 $2,273 $2,449
State Farm $1,327 $1,327 $1,181 $1,181 $3,762 $4,767 $1,499 $1,727
Travelers $1,466 $1,546 $1,335 $1,423 $4,179 $5,230 $1,553 $1,636
USAA $1,719 $1,765 $1,598 $1,592 $5,442 $6,030 $2,275 $2,525

Buy Cheap Oakwood, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oakwood, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,561 $9,833
American Family $6,253 $8,653
Farmers $9,338 $9,730
GEICO $4,375 $4,641
Liberty Mutual $4,360 $4,847
Nationwide $4,608 $5,912
Progressive $6,869 $7,702
State Farm $3,762 $4,767
Travelers $4,179 $5,230
USAA $5,442 $6,030

Buy Cheap Oakwood, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oakwood, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,074 $3,074
American Family $2,021 $2,021
Farmers $1,950 $2,060
GEICO $1,364 $1,612
Liberty Mutual $1,119 $1,248
Nationwide $1,508 $1,597
Progressive $1,575 $1,653
State Farm $1,181 $1,181
Travelers $1,335 $1,423
USAA $1,598 $1,592

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

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

Annual Auto Insurance Rates by Coverage Level in Oakwood, Illinois

Insurance Company Low Medium High
Allstate $4,473 $4,601 $4,742
American Family $3,427 $3,681 $3,545
Farmers $3,885 $3,984 $4,359
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,039 $2,152 $2,279
Nationwide $2,636 $2,662 $2,629
Progressive $3,007 $3,261 $3,570
State Farm $1,993 $2,099 $2,197
Travelers $2,155 $2,293 $2,440
USAA $2,681 $2,865 $3,059

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Find Cheap Oakwood, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Oakwood, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,605 $4,605
American Family $3,506 $3,597
Farmers $4,076 $4,076
GEICO $2,263 $2,351
Liberty Mutual $2,157 $2,157
Nationwide $2,642 $2,642
Progressive $3,280 $3,280
State Farm $2,044 $2,148
Travelers $2,206 $2,385
USAA $2,787 $2,949

Find Cheap Oakwood, IL Auto Insurance Rates by Driving Record

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

Annual Oakwood, 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 $2,608 $3,715 $4,923 $2,958
Farmers $3,442 $4,435 $4,324 $4,104
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,799 $2,545 $2,242 $2,042
Nationwide $2,132 $2,755 $3,236 $2,446
Progressive $2,705 $4,004 $2,995 $3,415
State Farm $1,919 $2,274 $2,096 $2,096
Travelers $1,830 $2,392 $2,668 $2,293
USAA $2,050 $2,931 $4,024 $2,468

Find Cheap Oakwood, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oakwood, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,187
American Family $4,923
Farmers $4,324
GEICO $3,141
Liberty Mutual $2,242
Nationwide $3,236
Progressive $2,995
State Farm $2,096
Travelers $2,668
USAA $4,024

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

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

Best Annual Auto Insurance Rates by Company in Oakwood, Illinois

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

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Find Cheap Oakwood, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oakwood, Illinois

Insurance Company Average Annual Rates
Allstate $4,605
American Family $3,551
Farmers $4,076
GEICO $2,307
Liberty Mutual $2,157
Nationwide $2,642
Progressive $3,280
State Farm $2,096
Travelers $2,296
USAA $2,868

What affects Oakwood, Illinois auto insurance rates?

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

Commute Times in Oakwood

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Oakwood, IL is 32.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Oakwood, IL

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

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