Compare Carbondale, IL Car Insurance Rates (2022)

Car insurance in Carbondale, IL averages $283 a month. Carbondale, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Carbondale car insurance rates, compare quotes from the top car insurance companies in Carbondale, IL.

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's What You Need to Know

  • The cheapest car insurance company in Carbondale for teen drivers is Liberty Mutual
  • Average car insurance rates in Carbondale, IL after a DUI are $3,977/year
  • The cheapest car insurance company in Carbondale is Liberty Mutual

If you need to buy Carbondale, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Carbondale, IL is right here.

You’ll find Carbondale car insurance rates, the cheapest Carbondale, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Carbondale, Illinois car insurance rates to Cicero car insurance rates, Rockford car insurance rates, and Peoria car insurance rates.

Ready to find affordable Carbondale, IL car insurance today? Enter your ZIP code for fast, free Carbondale car insurance quotes.

Cheapest Carbondale, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Carbondale, IL car insurance rates? Every Carbondale, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carbondale, 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 $3,073 $3,089 $3,204 $3,204 $7,885 $10,220 $3,690 $3,984
American Family $2,399 $2,399 $2,196 $2,196 $6,780 $9,405 $2,399 $3,094
Farmers $2,510 $2,515 $2,227 $2,354 $10,724 $11,193 $2,858 $2,987
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,398 $1,511 $1,161 $1,300 $4,539 $5,057 $1,462 $1,544
Nationwide $2,685 $2,737 $2,373 $2,527 $7,506 $9,697 $3,139 $3,416
Progressive $1,960 $1,855 $1,618 $1,698 $6,874 $7,715 $2,323 $2,488
State Farm $1,553 $1,553 $1,391 $1,391 $4,453 $5,661 $1,756 $2,007
Travelers $1,623 $1,715 $1,469 $1,569 $4,584 $5,745 $1,723 $1,817
USAA $1,666 $1,690 $1,551 $1,522 $5,467 $6,018 $2,195 $2,404

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Minimum Car Insurance in Carbondale, IL

Every driver must carry the minimum car insurance in Carbondale, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Carbondale, 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

Cheapest Carbondale, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Carbondale, IL. Compare credit history car insurance rates in Carbondale from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Carbondale, Illinois

Insurance Company Poor Fair Good
Allstate $6,127 $4,402 $3,851
American Family $5,134 $3,491 $2,952
Farmers $5,307 $4,460 $4,245
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,179 $1,981 $1,580
Nationwide $5,102 $4,097 $3,581
Progressive $3,794 $3,204 $2,951
State Farm $3,590 $2,152 $1,670
Travelers $3,096 $2,478 $2,018
USAA $3,742 $2,576 $2,125

Cheapest Carbondale, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Carbondale, IL to rates for a clean record with top companies.

Annual Carbondale, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,452 $5,819 $5,395 $4,508
American Family $2,837 $4,025 $5,355 $3,218
Farmers $3,950 $5,084 $4,958 $4,692
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,876 $2,651 $2,334 $2,125
Nationwide $3,401 $4,449 $5,260 $3,930
Progressive $2,738 $4,036 $3,035 $3,457
State Farm $2,257 $2,684 $2,471 $2,471
Travelers $2,013 $2,633 $2,950 $2,526
USAA $2,000 $2,887 $3,954 $2,415

Cheapest Carbondale, IL Car Insurance for Teen Drivers

Teen car insurance in Carbondale, IL can be expensive. Take a look at rates from the top car insurance companies in Carbondale for teenagers.

Annual Car Insurance Rates for Teen Drivers in Carbondale, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,885 $10,220
American Family $6,780 $9,405
Farmers $10,724 $11,193
GEICO $5,690 $6,014
Liberty Mutual $4,539 $5,057
Nationwide $7,506 $9,697
Progressive $6,874 $7,715
State Farm $4,453 $5,661
Travelers $4,584 $5,745
USAA $5,467 $6,018

Cheapest Carbondale, IL Car Insurance for Seniors

Take a look at Carbondale, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Carbondale, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,204 $3,204
American Family $2,196 $2,196
Farmers $2,227 $2,354
GEICO $1,757 $2,095
Liberty Mutual $1,161 $1,300
Nationwide $2,373 $2,527
Progressive $1,618 $1,698
State Farm $1,391 $1,391
Travelers $1,469 $1,569
USAA $1,551 $1,522

Cheapest Carbondale, IL Car Insurance Rates After a DUI

A DUI in Carbondale, IL increases car insurance rates. Compare Carbondale, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Carbondale, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,395
American Family $5,355
Farmers $4,958
GEICO $4,060
Liberty Mutual $2,334
Nationwide $5,260
Progressive $3,035
State Farm $2,471
Travelers $2,950
USAA $3,954

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Cheapest Carbondale, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Carbondale, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Carbondale, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,793 $4,793
American Family $3,809 $3,908
Farmers $4,671 $4,671
GEICO $2,920 $3,043
Liberty Mutual $2,247 $2,247
Nationwide $4,260 $4,260
Progressive $3,316 $3,316
State Farm $2,407 $2,535
Travelers $2,431 $2,630
USAA $2,735 $2,893

Cheapest Carbondale, IL Car Insurance Rates by ZIP Code

Carbondale car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Carbondale, IL.

Annual Car Insurance Rates by ZIP Code in Carbondale, Illinois

ZIP Code Average Annual Rates
62901 $3,362
62902 $3,327
62903 $3,336

The Best Cheap Car Insurance Companies in Carbondale, IL

Take a look at a side-by-side comparison of the top car insurance companies in Carbondale, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Carbondale, Illinois

Insurance Company Average Annual Rates
Allstate $4,793
American Family $3,859
Farmers $4,671
GEICO $2,982
Liberty Mutual $2,247
Nationwide $4,260
Progressive $3,316
State Farm $2,471
Travelers $2,531
USAA $2,814

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Category Winners: Cheapest Car Insurance in Carbondale, Illinois

Find the cheapest car insurance companies in Carbondale, IL for each category right here.

Best Annual Car Insurance Rates by Company in Carbondale, Illinois

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

Cheapest Carbondale, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Carbondale car insurance rates. Find the cheapest Carbondale, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Carbondale, Illinois

Insurance Company Low Medium High
Allstate $4,632 $4,788 $4,959
American Family $3,715 $4,000 $3,861
Farmers $4,439 $4,558 $5,016
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,115 $2,242 $2,384
Nationwide $4,242 $4,299 $4,240
Progressive $2,993 $3,296 $3,660
State Farm $2,320 $2,473 $2,619
Travelers $2,366 $2,527 $2,698
USAA $2,621 $2,812 $3,010

What affects car insurance rates in Carbondale, Illinois?

What factors can have an impact on Carbondale, IL car insurance? There are several reasons why Carbondale car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Carbondale, Illinois.

Commute Time in Carbondale

The more time you spend in your car the higher the risk of an accident. The average commute length in Carbondale, IL is 15.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Carbondale, IL

Ready to find affordable Carbondale, Illinois car insurance today? Enter your ZIP code for fast, free Carbondale, IL car insurance quotes.

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 former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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