Buy Cheap Rapids City, IL Auto Insurance (2021)

Rapids City, IL auto insurance rates average $259 a month. Minimum auto insurance requirements in Rapids City, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Rapids City, IL, compare Rapids City 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 Rapids City after a DUI is Allstate
  • Average auto insurance rates in Rapids City, IL are $259/month
  • Average auto insurance rates in Rapids City, IL after a DUI are $3,632/year

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

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

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

Rapids City, IL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Rapids City, 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 Rapids City, IL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Rapids City, Illinois

Insurance Company Poor Fair Good
Allstate $6,081 $4,394 $3,850
American Family $4,742 $3,217 $2,718
Farmers $4,757 $4,001 $3,806
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,848 $1,788 $1,427
Nationwide $2,666 $2,164 $1,902
Progressive $3,363 $2,848 $2,631
State Farm $3,001 $1,797 $1,394
Travelers $5,140 $4,145 $3,357
USAA $3,364 $2,300 $1,892

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Rapids City, 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 $3,027 $3,041 $3,173 $3,173 $7,952 $10,275 $3,635 $3,924
American Family $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,236 $2,237 $1,982 $2,096 $9,653 $10,069 $2,555 $2,673
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,242 $1,339 $1,036 $1,157 $4,137 $4,601 $1,295 $1,361
Nationwide $1,451 $1,473 $1,298 $1,371 $3,888 $4,972 $1,681 $1,816
Progressive $1,706 $1,614 $1,404 $1,470 $6,193 $6,946 $2,036 $2,209
State Farm $1,325 $1,325 $1,173 $1,173 $3,659 $4,649 $1,494 $1,713
Travelers $2,605 $2,755 $2,366 $2,530 $7,852 $9,892 $2,780 $2,934
USAA $1,518 $1,548 $1,407 $1,387 $4,800 $5,306 $1,990 $2,191

Buy Cheap Rapids City, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Rapids City, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,952 $10,275
American Family $6,205 $8,633
Farmers $9,653 $10,069
GEICO $4,847 $5,129
Liberty Mutual $4,137 $4,601
Nationwide $3,888 $4,972
Progressive $6,193 $6,946
State Farm $3,659 $4,649
Travelers $7,852 $9,892
USAA $4,800 $5,306

Buy Cheap Rapids City, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rapids City, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,173 $3,173
American Family $2,037 $2,037
Farmers $1,982 $2,096
GEICO $1,521 $1,797
Liberty Mutual $1,036 $1,157
Nationwide $1,298 $1,371
Progressive $1,404 $1,470
State Farm $1,173 $1,173
Travelers $2,366 $2,530
USAA $1,407 $1,387

Find Cheap Auto Insurance Rates in Rapids City, IL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Rapids City, Illinois

Insurance Company Low Medium High
Allstate $4,597 $4,770 $4,958
American Family $3,452 $3,688 $3,537
Farmers $3,982 $4,087 $4,494
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,901 $2,016 $2,145
Nationwide $2,204 $2,267 $2,260
Progressive $2,732 $2,936 $3,174
State Farm $1,965 $2,067 $2,160
Travelers $3,940 $4,209 $4,494
USAA $2,370 $2,517 $2,669

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Find Cheap Rapids City, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Rapids City, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,775 $4,775
American Family $3,513 $3,605
Farmers $4,188 $4,188
GEICO $2,519 $2,617
Liberty Mutual $2,021 $2,021
Nationwide $2,244 $2,244
Progressive $2,947 $2,947
State Farm $2,012 $2,115
Travelers $4,044 $4,385
USAA $2,448 $2,589

Find Cheap Rapids City, IL Auto Insurance Rates by Driving Record

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

Annual Rapids City, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,366 $5,843 $5,419 $4,473
American Family $2,614 $3,723 $4,933 $2,966
Farmers $3,536 $4,559 $4,446 $4,210
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,686 $2,389 $2,098 $1,911
Nationwide $1,819 $2,338 $2,738 $2,081
Progressive $2,432 $3,600 $2,689 $3,068
State Farm $1,896 $2,232 $2,064 $2,064
Travelers $3,325 $4,400 $4,927 $4,206
USAA $1,804 $2,576 $3,522 $2,173

Find Cheap Rapids City, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Rapids City, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,419
American Family $4,933
Farmers $4,446
GEICO $3,482
Liberty Mutual $2,098
Nationwide $2,738
Progressive $2,689
State Farm $2,064
Travelers $4,927
USAA $3,522

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

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

Best Annual Auto Insurance Rates by Company in Rapids City, Illinois

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

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Find Cheap Rapids City, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rapids City, Illinois

Insurance Company Average Annual Rates
Allstate $4,775
American Family $3,559
Farmers $4,188
GEICO $2,568
Liberty Mutual $2,021
Nationwide $2,244
Progressive $2,947
State Farm $2,064
Travelers $4,214
USAA $2,518

What affects Rapids City, Illinois auto insurance rates?

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

Commute Times in Rapids City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Rapids City, IL is 23.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Rapids City, IL

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

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