Buy Cheap Vandalia, IL Auto Insurance (2021)

Vandalia, IL auto insurance rates average $240 a month. Minimum auto insurance requirements in Vandalia, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Vandalia, IL, compare Vandalia auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Vandalia, IL are $240/month
  • The most expensive auto insurance company in Vandalia after a DUI is Allstate
  • Average auto insurance rates in Vandalia, IL after a DUI are $3,362/year

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

See how Vandalia, IL car insurance rates compare to Naperville auto insurance rates, Elgin auto insurance rates, and Champaign auto insurance rates before you read more about the cost of auto insurance in Vandalia.

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

Vandalia, IL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Vandalia, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Vandalia, IL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Vandalia, Illinois

Insurance Company Poor Fair Good
Allstate $6,032 $4,337 $3,788
American Family $4,742 $3,217 $2,718
Farmers $4,713 $3,946 $3,756
GEICO $3,690 $1,812 $1,417
Liberty Mutual $3,027 $1,888 $1,508
Nationwide $2,776 $2,244 $1,969
Progressive $3,464 $2,934 $2,707
State Farm $2,817 $1,687 $1,309
Travelers $2,355 $1,877 $1,535
USAA $3,657 $2,511 $2,069

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Vandalia, 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 $3,031 $3,046 $3,153 $3,153 $7,734 $10,062 $3,641 $3,934
American Family $2,229 $2,229 $2,037 $2,037 $6,205 $8,633 $2,229 $2,872
Farmers $2,260 $2,264 $2,010 $2,119 $9,386 $9,789 $2,577 $2,705
GEICO $1,446 $1,452 $1,364 $1,612 $4,375 $4,641 $1,804 $1,760
Liberty Mutual $1,346 $1,454 $1,120 $1,252 $4,288 $4,772 $1,408 $1,488
Nationwide $1,505 $1,533 $1,343 $1,422 $4,036 $5,173 $1,742 $1,884
Progressive $1,789 $1,702 $1,473 $1,536 $6,277 $7,057 $2,135 $2,314
State Farm $1,248 $1,248 $1,104 $1,104 $3,425 $4,355 $1,407 $1,610
Travelers $1,270 $1,340 $1,144 $1,219 $3,417 $4,221 $1,347 $1,418
USAA $1,638 $1,669 $1,524 $1,504 $5,277 $5,820 $2,158 $2,375

Buy Cheap Vandalia, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Vandalia, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,734 $10,062
American Family $6,205 $8,633
Farmers $9,386 $9,789
GEICO $4,375 $4,641
Liberty Mutual $4,288 $4,772
Nationwide $4,036 $5,173
Progressive $6,277 $7,057
State Farm $3,425 $4,355
Travelers $3,417 $4,221
USAA $5,277 $5,820

Buy Cheap Vandalia, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Vandalia, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,153 $3,153
American Family $2,037 $2,037
Farmers $2,010 $2,119
GEICO $1,364 $1,612
Liberty Mutual $1,120 $1,252
Nationwide $1,343 $1,422
Progressive $1,473 $1,536
State Farm $1,104 $1,104
Travelers $1,144 $1,219
USAA $1,524 $1,504

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

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

Annual Auto Insurance Rates by Coverage Level in Vandalia, Illinois

Insurance Company Low Medium High
Allstate $4,585 $4,715 $4,858
American Family $3,452 $3,688 $3,537
Farmers $3,949 $4,047 $4,420
GEICO $2,131 $2,300 $2,489
Liberty Mutual $2,023 $2,137 $2,264
Nationwide $2,330 $2,344 $2,315
Progressive $2,799 $3,029 $3,277
State Farm $1,844 $1,940 $2,029
Travelers $1,819 $1,920 $2,027
USAA $2,561 $2,743 $2,933

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Vandalia, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Vandalia, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,719 $4,719
American Family $3,513 $3,605
Farmers $4,139 $4,139
GEICO $2,263 $2,351
Liberty Mutual $2,141 $2,141
Nationwide $2,330 $2,330
Progressive $3,035 $3,035
State Farm $1,889 $1,986
Travelers $1,848 $1,996
USAA $2,669 $2,823

Find Cheap Vandalia, IL Auto Insurance Rates by Driving Record

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

Annual Vandalia, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,422 $5,702 $5,309 $4,444
American Family $2,614 $3,723 $4,933 $2,966
Farmers $3,501 $4,498 $4,386 $4,170
GEICO $1,699 $2,266 $3,141 $2,121
Liberty Mutual $1,791 $2,523 $2,225 $2,026
Nationwide $1,885 $2,428 $2,847 $2,159
Progressive $2,509 $3,693 $2,774 $3,166
State Farm $1,781 $2,094 $1,938 $1,938
Travelers $1,543 $2,001 $2,220 $1,924
USAA $1,958 $2,812 $3,851 $2,361

Find Cheap Vandalia, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Vandalia, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,309
American Family $4,933
Farmers $4,386
GEICO $3,141
Liberty Mutual $2,225
Nationwide $2,847
Progressive $2,774
State Farm $1,938
Travelers $2,220
USAA $3,851

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

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

Best Annual Auto Insurance Rates by Company in Vandalia, Illinois

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Vandalia, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Vandalia, Illinois

Insurance Company Average Annual Rates
Allstate $4,719
American Family $3,559
Farmers $4,139
GEICO $2,307
Liberty Mutual $2,141
Nationwide $2,330
Progressive $3,035
State Farm $1,938
Travelers $1,922
USAA $2,746

What affects Vandalia, Illinois auto insurance rates?

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

Commute Times in Vandalia

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Vandalia, IL is 19.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Vandalia, IL

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption