Buy Cheap Wayne, IL Auto Insurance (2022)

Wayne, IL auto insurance rates average $270 a month. Minimum auto insurance requirements in Wayne, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Wayne, IL, compare Wayne 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 Wayne, IL after a DUI are $3,790/year
  • Average auto insurance rates in Wayne, IL for teens drivers are $6,363/year
  • Average auto insurance rates in Wayne, IL are $270/month

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

See how Wayne, IL car insurance rates compare to Elgin auto insurance rates, Chicago auto insurance rates, and Rockford auto insurance rates before you read more about the cost of auto insurance in Wayne.

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

Wayne, IL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Wayne, Illinois

Insurance Company Poor Fair Good
Allstate $6,959 $5,032 $4,403
American Family $4,834 $3,306 $2,800
Farmers $5,520 $4,661 $4,433
GEICO $4,948 $2,407 $1,872
Liberty Mutual $3,277 $2,061 $1,637
Nationwide $2,421 $1,970 $1,729
Progressive $3,850 $3,276 $3,034
State Farm $3,562 $2,135 $1,657
Travelers $3,251 $2,651 $2,140
USAA $3,265 $2,251 $1,858

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Wayne, 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 $3,458 $3,473 $3,622 $3,622 $9,070 $11,808 $4,162 $4,501
American Family $2,244 $2,244 $2,062 $2,062 $6,484 $8,932 $2,244 $2,901
Farmers $2,549 $2,546 $2,254 $2,393 $11,396 $11,883 $2,915 $3,034
GEICO $1,779 $1,836 $1,743 $1,967 $6,470 $6,661 $2,040 $2,111
Liberty Mutual $1,378 $1,483 $1,138 $1,270 $4,912 $5,460 $1,442 $1,516
Nationwide $1,324 $1,342 $1,190 $1,251 $3,536 $4,495 $1,533 $1,649
Progressive $1,912 $1,788 $1,582 $1,662 $7,278 $8,142 $2,274 $2,453
State Farm $1,448 $1,448 $1,315 $1,315 $4,662 $5,877 $1,643 $1,900
Travelers $1,632 $1,719 $1,517 $1,613 $5,036 $6,391 $1,724 $1,813
USAA $1,462 $1,475 $1,360 $1,326 $4,789 $5,259 $1,912 $2,081

Buy Cheap Wayne, IL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Wayne, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,070 $11,808
American Family $6,484 $8,932
Farmers $11,396 $11,883
GEICO $6,470 $6,661
Liberty Mutual $4,912 $5,460
Nationwide $3,536 $4,495
Progressive $7,278 $8,142
State Farm $4,662 $5,877
Travelers $5,036 $6,391
USAA $4,789 $5,259

Buy Cheap Wayne, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Wayne, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,622 $3,622
American Family $2,062 $2,062
Farmers $2,254 $2,393
GEICO $1,743 $1,967
Liberty Mutual $1,138 $1,270
Nationwide $1,190 $1,251
Progressive $1,582 $1,662
State Farm $1,315 $1,315
Travelers $1,517 $1,613
USAA $1,360 $1,326

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

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

Annual Auto Insurance Rates by Coverage Level in Wayne, Illinois

Insurance Company Low Medium High
Allstate $5,304 $5,460 $5,630
American Family $3,490 $3,781 $3,669
Farmers $4,615 $4,747 $5,252
GEICO $2,775 $3,074 $3,378
Liberty Mutual $2,199 $2,321 $2,455
Nationwide $2,011 $2,058 $2,051
Progressive $3,097 $3,369 $3,693
State Farm $2,298 $2,456 $2,600
Travelers $2,501 $2,677 $2,864
USAA $2,293 $2,456 $2,625

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Find Cheap Wayne, IL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Wayne, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,465 $5,465
American Family $3,600 $3,693
Farmers $4,871 $4,871
GEICO $3,025 $3,127
Liberty Mutual $2,325 $2,325
Nationwide $2,040 $2,040
Progressive $3,387 $3,387
State Farm $2,390 $2,513
Travelers $2,575 $2,787
USAA $2,389 $2,527

Find Cheap Wayne, IL Auto Insurance Rates by Driving Record

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

Annual Wayne, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,874 $6,656 $6,202 $5,126
American Family $2,679 $3,810 $5,058 $3,038
Farmers $4,107 $5,314 $5,181 $4,884
GEICO $2,056 $3,376 $4,455 $2,416
Liberty Mutual $1,930 $2,761 $2,415 $2,194
Nationwide $1,665 $2,123 $2,475 $1,896
Progressive $2,783 $4,166 $3,086 $3,511
State Farm $2,221 $2,681 $2,451 $2,451
Travelers $2,125 $2,803 $3,127 $2,668
USAA $1,751 $2,524 $3,444 $2,113

Find Cheap Wayne, IL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Wayne, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,202
American Family $5,058
Farmers $5,181
GEICO $4,455
Liberty Mutual $2,415
Nationwide $2,475
Progressive $3,086
State Farm $2,451
Travelers $3,127
USAA $3,444

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

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

Best Annual Auto Insurance Rates by Company in Wayne, Illinois

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

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Find Cheap Wayne, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Wayne, Illinois

Insurance Company Average Annual Rates
Allstate $5,465
American Family $3,646
Farmers $4,871
GEICO $3,076
Liberty Mutual $2,325
Nationwide $2,040
Progressive $3,387
State Farm $2,451
Travelers $2,681
USAA $2,458

What affects Wayne, Illinois auto insurance rates?

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

Commute Times in Wayne

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Wayne, IL is 23.7 minutes according to City-Data.

Traffic in Wayne

How is traffic in Wayne, Illinois? Inrix data shows that Wayne, IL traffic makes it the 864th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Wayne, IL

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

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