Buy Cheap Vernon, IL Auto Insurance (2021)

Vernon, IL auto insurance rates average $262 a month. Minimum auto insurance requirements in Vernon, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Vernon, IL, compare Vernon 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

  • Average auto insurance rates in Vernon, IL are $262/month
  • Average auto insurance rates in Vernon, IL after a DUI are $3,693/year
  • The most expensive auto insurance company in Vernon after a DUI is American Family

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

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

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

Vernon, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Vernon, Illinois

Insurance Company Poor Fair Good
Allstate $5,622 $4,042 $3,535
American Family $4,999 $3,383 $2,856
Farmers $4,713 $3,946 $3,756
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,027 $1,888 $1,508
Nationwide $4,078 $3,280 $2,871
Progressive $3,824 $3,233 $2,981
State Farm $3,115 $1,865 $1,446
Travelers $2,825 $2,251 $1,838
USAA $3,823 $2,623 $2,160

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Vernon, 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 $2,815 $2,828 $2,937 $2,937 $7,239 $9,407 $3,382 $3,654
American Family $2,351 $2,351 $2,146 $2,146 $6,511 $9,083 $2,351 $3,027
Farmers $2,260 $2,264 $2,010 $2,119 $9,386 $9,789 $2,577 $2,705
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,346 $1,454 $1,120 $1,252 $4,288 $4,772 $1,408 $1,488
Nationwide $2,166 $2,208 $1,920 $2,041 $5,974 $7,701 $2,524 $2,742
Progressive $1,996 $1,910 $1,643 $1,709 $6,832 $7,693 $2,391 $2,595
State Farm $1,374 $1,374 $1,218 $1,218 $3,798 $4,833 $1,550 $1,771
Travelers $1,499 $1,584 $1,352 $1,444 $4,132 $5,155 $1,592 $1,678
USAA $1,706 $1,737 $1,586 $1,562 $5,528 $6,101 $2,251 $2,475

Buy Cheap Vernon, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Vernon, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,239 $9,407
American Family $6,511 $9,083
Farmers $9,386 $9,789
GEICO $5,690 $6,014
Liberty Mutual $4,288 $4,772
Nationwide $5,974 $7,701
Progressive $6,832 $7,693
State Farm $3,798 $4,833
Travelers $4,132 $5,155
USAA $5,528 $6,101

Buy Cheap Vernon, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Vernon, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $2,937
American Family $2,146 $2,146
Farmers $2,010 $2,119
GEICO $1,757 $2,095
Liberty Mutual $1,120 $1,252
Nationwide $1,920 $2,041
Progressive $1,643 $1,709
State Farm $1,218 $1,218
Travelers $1,352 $1,444
USAA $1,586 $1,562

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

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

Annual Auto Insurance Rates by Coverage Level in Vernon, Illinois

Insurance Company Low Medium High
Allstate $4,257 $4,395 $4,546
American Family $3,633 $3,882 $3,723
Farmers $3,949 $4,047 $4,420
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,023 $2,137 $2,264
Nationwide $3,399 $3,437 $3,393
Progressive $3,118 $3,340 $3,580
State Farm $2,032 $2,145 $2,249
Travelers $2,159 $2,302 $2,453
USAA $2,681 $2,866 $3,058

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Find Cheap Vernon, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Vernon, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,400 $4,400
American Family $3,697 $3,794
Farmers $4,139 $4,139
GEICO $2,920 $3,043
Liberty Mutual $2,141 $2,141
Nationwide $3,410 $3,410
Progressive $3,346 $3,346
State Farm $2,088 $2,196
Travelers $2,215 $2,395
USAA $2,788 $2,949

Find Cheap Vernon, IL Auto Insurance Rates by Driving Record

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

Annual Vernon, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,164 $5,342 $4,955 $4,138
American Family $2,752 $3,912 $5,196 $3,124
Farmers $3,501 $4,498 $4,386 $4,170
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,791 $2,523 $2,225 $2,026
Nationwide $2,733 $3,559 $4,198 $3,149
Progressive $2,768 $4,061 $3,057 $3,499
State Farm $1,967 $2,317 $2,142 $2,142
Travelers $1,838 $2,396 $2,682 $2,303
USAA $2,043 $2,938 $4,028 $2,465

Find Cheap Vernon, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Vernon, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,955
American Family $5,196
Farmers $4,386
GEICO $4,060
Liberty Mutual $2,225
Nationwide $4,198
Progressive $3,057
State Farm $2,142
Travelers $2,682
USAA $4,028

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

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

Best Annual Auto Insurance Rates by Company in Vernon, 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 Vernon, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Vernon, Illinois

Insurance Company Average Annual Rates
Allstate $4,400
American Family $3,746
Farmers $4,139
GEICO $2,982
Liberty Mutual $2,141
Nationwide $3,410
Progressive $3,346
State Farm $2,142
Travelers $2,305
USAA $2,868

What affects Vernon, Illinois auto insurance rates?

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

Commute Times in Vernon

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Vernon, IL is 15.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Vernon, IL

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

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