Buy Cheap Waterloo, IL Auto Insurance (2022)

Waterloo, IL auto insurance rates average $285 a month. Minimum auto insurance requirements in Waterloo, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Waterloo, IL, compare Waterloo 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 Waterloo is Allstate
  • Average auto insurance rates in Waterloo, IL after a DUI are $4,015/year
  • Average auto insurance rates in Waterloo, IL are $285/month

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

See how Waterloo, IL car insurance rates compare to Cicero auto insurance rates, Springfield auto insurance rates, and Naperville auto insurance rates before you read more about the cost of auto insurance in Waterloo.

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

Waterloo, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Waterloo, Illinois

Insurance Company Poor Fair Good
Allstate $6,490 $4,683 $4,104
American Family $5,403 $3,675 $3,107
Farmers $5,284 $4,442 $4,226
GEICO $4,571 $2,228 $1,734
Liberty Mutual $3,438 $2,141 $1,702
Nationwide $4,492 $3,613 $3,159
Progressive $4,097 $3,457 $3,186
State Farm $3,300 $1,975 $1,531
Travelers $3,024 $2,437 $1,979
USAA $4,054 $2,784 $2,294

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Waterloo, 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 $3,244 $3,259 $3,395 $3,395 $8,424 $10,922 $3,895 $4,206
American Family $2,520 $2,520 $2,307 $2,307 $7,150 $9,916 $2,520 $3,250
Farmers $2,479 $2,479 $2,198 $2,332 $10,755 $11,202 $2,822 $2,938
GEICO $1,727 $1,757 $1,670 $2,030 $5,565 $5,775 $2,170 $2,061
Liberty Mutual $1,480 $1,600 $1,224 $1,372 $4,991 $5,562 $1,549 $1,637
Nationwide $2,375 $2,419 $2,104 $2,236 $6,607 $8,514 $2,773 $3,012
Progressive $2,099 $1,976 $1,733 $1,828 $7,487 $8,385 $2,483 $2,648
State Farm $1,415 $1,415 $1,269 $1,269 $4,118 $5,227 $1,601 $1,839
Travelers $1,561 $1,647 $1,428 $1,523 $4,554 $5,732 $1,653 $1,741
USAA $1,801 $1,834 $1,675 $1,652 $5,887 $6,497 $2,384 $2,622

Buy Cheap Waterloo, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Waterloo, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,424 $10,922
American Family $7,150 $9,916
Farmers $10,755 $11,202
GEICO $5,565 $5,775
Liberty Mutual $4,991 $5,562
Nationwide $6,607 $8,514
Progressive $7,487 $8,385
State Farm $4,118 $5,227
Travelers $4,554 $5,732
USAA $5,887 $6,497

Buy Cheap Waterloo, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Waterloo, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,395 $3,395
American Family $2,307 $2,307
Farmers $2,198 $2,332
GEICO $1,670 $2,030
Liberty Mutual $1,224 $1,372
Nationwide $2,104 $2,236
Progressive $1,733 $1,828
State Farm $1,269 $1,269
Travelers $1,428 $1,523
USAA $1,675 $1,652

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

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

Annual Auto Insurance Rates by Coverage Level in Waterloo, Illinois

Insurance Company Low Medium High
Allstate $4,911 $5,086 $5,280
American Family $3,896 $4,211 $4,078
Farmers $4,408 $4,534 $5,010
GEICO $2,566 $2,833 $3,134
Liberty Mutual $2,281 $2,421 $2,578
Nationwide $3,730 $3,788 $3,747
Progressive $3,226 $3,549 $3,965
State Farm $2,138 $2,273 $2,396
Travelers $2,317 $2,477 $2,647
USAA $2,838 $3,041 $3,253

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Find Cheap Waterloo, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Waterloo, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,092 $5,092
American Family $4,009 $4,114
Farmers $4,651 $4,651
GEICO $2,792 $2,897
Liberty Mutual $2,427 $2,427
Nationwide $3,755 $3,755
Progressive $3,580 $3,580
State Farm $2,211 $2,327
Travelers $2,383 $2,577
USAA $2,958 $3,130

Find Cheap Waterloo, IL Auto Insurance Rates by Driving Record

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

Annual Waterloo, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,624 $6,208 $5,757 $4,780
American Family $2,987 $4,229 $5,640 $3,389
Farmers $3,928 $5,067 $4,942 $4,666
GEICO $2,044 $2,834 $3,948 $2,551
Liberty Mutual $2,020 $2,872 $2,522 $2,294
Nationwide $3,008 $3,920 $4,625 $3,468
Progressive $2,950 $4,368 $3,274 $3,727
State Farm $2,070 $2,469 $2,269 $2,269
Travelers $1,971 $2,584 $2,891 $2,474
USAA $2,164 $3,120 $4,282 $2,611

Find Cheap Waterloo, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waterloo, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,757
American Family $5,640
Farmers $4,942
GEICO $3,948
Liberty Mutual $2,522
Nationwide $4,625
Progressive $3,274
State Farm $2,269
Travelers $2,891
USAA $4,282

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

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

Best Annual Auto Insurance Rates by Company in Waterloo, Illinois

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

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Find Cheap Waterloo, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Waterloo, Illinois

Insurance Company Average Annual Rates
Allstate $5,092
American Family $4,061
Farmers $4,651
GEICO $2,844
Liberty Mutual $2,427
Nationwide $3,755
Progressive $3,580
State Farm $2,269
Travelers $2,480
USAA $3,044

What affects Waterloo, Illinois auto insurance rates?

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

Commute Times in Waterloo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Waterloo, IL is 30.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Waterloo, IL

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

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