Buy Cheap Philo, IL Auto Insurance (2021)

Philo, IL auto insurance rates average $248 a month. Minimum auto insurance requirements in Philo, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Philo, IL, compare Philo 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 Philo, IL for teens drivers are $5,692/year
  • The most expensive auto insurance company in Philo is Allstate
  • The most expensive auto insurance company in Philo after a DUI is Allstate

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

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

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

Philo, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Philo, Illinois

Insurance Company Poor Fair Good
Allstate $6,105 $4,423 $3,872
American Family $4,281 $2,918 $2,470
Farmers $4,743 $3,990 $3,796
GEICO $3,600 $1,770 $1,384
Liberty Mutual $3,035 $1,898 $1,513
Nationwide $3,378 $2,735 $2,393
Progressive $3,527 $2,983 $2,753
State Farm $3,101 $1,856 $1,440
Travelers $2,863 $2,318 $1,879
USAA $3,672 $2,521 $2,077

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Philo, 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 $3,041 $3,055 $3,185 $3,185 $7,991 $10,347 $3,652 $3,946
American Family $2,004 $2,004 $1,837 $1,837 $5,668 $7,844 $2,004 $2,584
Farmers $2,227 $2,228 $1,974 $2,088 $9,633 $10,049 $2,546 $2,663
GEICO $1,402 $1,430 $1,356 $1,635 $4,274 $4,450 $1,774 $1,688
Liberty Mutual $1,332 $1,437 $1,108 $1,237 $4,363 $4,852 $1,392 $1,469
Nationwide $1,798 $1,826 $1,602 $1,693 $4,999 $6,397 $2,100 $2,270
Progressive $1,796 $1,694 $1,483 $1,556 $6,484 $7,263 $2,134 $2,292
State Farm $1,332 $1,332 $1,193 $1,193 $3,866 $4,901 $1,507 $1,734
Travelers $1,469 $1,548 $1,354 $1,441 $4,347 $5,480 $1,553 $1,634
USAA $1,644 $1,675 $1,530 $1,509 $5,299 $5,845 $2,166 $2,384

Buy Cheap Philo, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Philo, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,991 $10,347
American Family $5,668 $7,844
Farmers $9,633 $10,049
GEICO $4,274 $4,450
Liberty Mutual $4,363 $4,852
Nationwide $4,999 $6,397
Progressive $6,484 $7,263
State Farm $3,866 $4,901
Travelers $4,347 $5,480
USAA $5,299 $5,845

Buy Cheap Philo, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Philo, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,185 $3,185
American Family $1,837 $1,837
Farmers $1,974 $2,088
GEICO $1,356 $1,635
Liberty Mutual $1,108 $1,237
Nationwide $1,602 $1,693
Progressive $1,483 $1,556
State Farm $1,193 $1,193
Travelers $1,354 $1,441
USAA $1,530 $1,509

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

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

Annual Auto Insurance Rates by Coverage Level in Philo, Illinois

Insurance Company Low Medium High
Allstate $4,642 $4,795 $4,963
American Family $3,103 $3,341 $3,224
Farmers $3,971 $4,075 $4,482
GEICO $2,056 $2,249 $2,448
Liberty Mutual $2,031 $2,144 $2,271
Nationwide $2,816 $2,861 $2,830
Progressive $2,823 $3,069 $3,371
State Farm $2,015 $2,136 $2,246
Travelers $2,202 $2,350 $2,507
USAA $2,572 $2,754 $2,944

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Find Cheap Philo, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Philo, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,800 $4,800
American Family $3,182 $3,264
Farmers $4,176 $4,176
GEICO $2,214 $2,288
Liberty Mutual $2,149 $2,149
Nationwide $2,835 $2,835
Progressive $3,088 $3,088
State Farm $2,078 $2,186
Travelers $2,261 $2,445
USAA $2,679 $2,834

Find Cheap Philo, IL Auto Insurance Rates by Driving Record

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

Annual Philo, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,389 $5,856 $5,458 $4,497
American Family $2,365 $3,384 $4,461 $2,682
Farmers $3,525 $4,547 $4,434 $4,198
GEICO $1,653 $2,186 $3,111 $2,055
Liberty Mutual $1,793 $2,537 $2,233 $2,032
Nationwide $2,290 $2,956 $3,471 $2,626
Progressive $2,547 $3,771 $2,821 $3,212
State Farm $1,946 $2,319 $2,132 $2,132
Travelers $1,872 $2,456 $2,739 $2,345
USAA $1,965 $2,823 $3,867 $2,370

Find Cheap Philo, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Philo, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,458
American Family $4,461
Farmers $4,434
GEICO $3,111
Liberty Mutual $2,233
Nationwide $3,471
Progressive $2,821
State Farm $2,132
Travelers $2,739
USAA $3,867

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

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

Best Annual Auto Insurance Rates by Company in Philo, Illinois

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

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Find Cheap Philo, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Philo, Illinois

Insurance Company Average Annual Rates
Allstate $4,800
American Family $3,223
Farmers $4,176
GEICO $2,251
Liberty Mutual $2,149
Nationwide $2,835
Progressive $3,088
State Farm $2,132
Travelers $2,353
USAA $2,756

What affects Philo, Illinois auto insurance rates?

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

Commute Times in Philo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Philo, IL is 19.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Philo, IL

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

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