Best Charleston, IL Car Insurance in 2024
Car insurance in Charleston, IL averages $233 a month. Charleston, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Charleston car insurance rates, compare quotes from the top car insurance companies in Charleston, IL.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Charleston, IL are $2,799/year
- The cheapest car insurance company in Charleston is Travelers
- The cheapest car insurance company in Charleston for teen drivers is Travelers
If you need to buy Charleston, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Charleston, IL is right here.
You’ll find Charleston car insurance rates, the cheapest Charleston, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Charleston, Illinois car insurance rates to Aurora car insurance rates, Naperville car insurance rates, and Rockford car insurance rates.
Ready to find affordable Charleston, IL car insurance today? Enter your ZIP code for fast, free Charleston car insurance quotes.
Cheapest Charleston, IL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Charleston, IL car insurance rates? Every Charleston, Illinois car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,953 | $2,967 | $3,074 | $3,074 | $7,561 | $9,833 | $3,547 | $3,833 |
| American Family | $2,004 | $2,004 | $1,837 | $1,837 | $5,668 | $7,844 | $2,004 | $2,584 |
| Farmers | $2,177 | $2,177 | $1,933 | $2,042 | $9,259 | $9,648 | $2,487 | $2,603 |
| Geico | $1,446 | $1,452 | $1,364 | $1,612 | $4,375 | $4,641 | $1,804 | $1,760 |
| Liberty Mutual | $1,297 | $1,400 | $1,083 | $1,209 | $4,080 | $4,534 | $1,355 | $1,432 |
| Nationwide | $1,431 | $1,458 | $1,279 | $1,353 | $3,820 | $4,891 | $1,655 | $1,789 |
| Progressive | $1,648 | $1,555 | $1,359 | $1,429 | $5,863 | $6,566 | $1,951 | $2,088 |
| State Farm | $1,296 | $1,296 | $1,157 | $1,157 | $3,700 | $4,696 | $1,465 | $1,682 |
| Travelers | $1,274 | $1,343 | $1,153 | $1,227 | $3,482 | $4,313 | $1,350 | $1,421 |
| USAA | $1,638 | $1,669 | $1,524 | $1,504 | $5,277 | $5,820 | $2,158 | $2,375 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Minimum Car Insurance in Charleston, IL
Every driver must carry the minimum car insurance in Charleston, IL. Take a look at the Illinois car insurance requirements.
| 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 Charleston, IL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Charleston, IL. Compare credit history car insurance rates in Charleston from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,883 | $4,234 | $3,699 |
| American Family | $4,281 | $2,918 | $2,470 |
| Farmers | $4,594 | $3,858 | $3,670 |
| Geico | $3,690 | $1,812 | $1,417 |
| Liberty Mutual | $2,897 | $1,806 | $1,443 |
| Nationwide | $2,631 | $2,129 | $1,868 |
| Progressive | $3,213 | $2,712 | $2,498 |
| State Farm | $2,990 | $1,790 | $1,389 |
| Travelers | $2,379 | $1,903 | $1,553 |
| USAA | $3,657 | $2,511 | $2,069 |
Cheapest Charleston, 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 Charleston, IL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,330 | $5,570 | $5,187 | $4,334 |
| American Family | $2,365 | $3,384 | $4,461 | $2,682 |
| Farmers | $3,413 | $4,397 | $4,287 | $4,067 |
| Geico | $1,699 | $2,266 | $3,141 | $2,121 |
| Liberty Mutual | $1,713 | $2,412 | $2,129 | $1,940 |
| Nationwide | $1,791 | $2,302 | $2,697 | $2,049 |
| Progressive | $2,319 | $3,419 | $2,569 | $2,922 |
| State Farm | $1,880 | $2,232 | $2,056 | $2,056 |
| Travelers | $1,561 | $2,029 | $2,246 | $1,946 |
| USAA | $1,958 | $2,812 | $3,851 | $2,361 |
Cheapest Charleston, IL Car Insurance for Teen Drivers
Teen car insurance in Charleston, IL can be expensive. Take a look at rates from the top car insurance companies in Charleston for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,561 | $9,833 |
| American Family | $5,668 | $7,844 |
| Farmers | $9,259 | $9,648 |
| Geico | $4,375 | $4,641 |
| Liberty Mutual | $4,080 | $4,534 |
| Nationwide | $3,820 | $4,891 |
| Progressive | $5,863 | $6,566 |
| State Farm | $3,700 | $4,696 |
| Travelers | $3,482 | $4,313 |
| USAA | $5,277 | $5,820 |
Cheapest Charleston, IL Car Insurance for Seniors
Take a look at Charleston, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,074 | $3,074 |
| American Family | $1,837 | $1,837 |
| Farmers | $1,933 | $2,042 |
| Geico | $1,364 | $1,612 |
| Liberty Mutual | $1,083 | $1,209 |
| Nationwide | $1,279 | $1,353 |
| Progressive | $1,359 | $1,429 |
| State Farm | $1,157 | $1,157 |
| Travelers | $1,153 | $1,227 |
| USAA | $1,524 | $1,504 |
Cheapest Charleston, IL Car Insurance Rates After a DUI
A DUI in Charleston, IL increases car insurance rates. Compare Charleston, Illinois DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,187 |
| American Family | $4,461 |
| Farmers | $4,287 |
| Geico | $3,141 |
| Liberty Mutual | $2,129 |
| Nationwide | $2,697 |
| Progressive | $2,569 |
| State Farm | $2,056 |
| Travelers | $2,246 |
| USAA | $3,851 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Cheapest Charleston, IL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Charleston, IL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,605 | $4,605 |
| American Family | $3,182 | $3,264 |
| Farmers | $4,041 | $4,041 |
| Geico | $2,263 | $2,351 |
| Liberty Mutual | $2,049 | $2,049 |
| Nationwide | $2,210 | $2,210 |
| Progressive | $2,807 | $2,807 |
| State Farm | $2,004 | $2,108 |
| Travelers | $1,870 | $2,021 |
| USAA | $2,669 | $2,823 |
The Best Cheap Car Insurance Companies in Charleston, IL
Take a look at a side-by-side comparison of the top car insurance companies in Charleston, IL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,605 |
| American Family | $3,223 |
| Farmers | $4,041 |
| Geico | $2,307 |
| Liberty Mutual | $2,049 |
| Nationwide | $2,210 |
| Progressive | $2,807 |
| State Farm | $2,056 |
| Travelers | $1,945 |
| USAA | $2,746 |
Category Winners: Cheapest Car Insurance in Charleston, Illinois
Find the cheapest car insurance companies in Charleston, IL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Travelers |
| Seniors | Liberty Mutual |
| Clean Record | Travelers |
| With 1 Accident | Travelers |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Liberty Mutual |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Cheapest Charleston, IL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Charleston car insurance rates. Find the cheapest Charleston, IL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,473 | $4,601 | $4,742 |
| American Family | $3,103 | $3,341 | $3,224 |
| Farmers | $3,850 | $3,949 | $4,324 |
| Geico | $2,131 | $2,300 | $2,489 |
| Liberty Mutual | $1,938 | $2,044 | $2,164 |
| Nationwide | $2,212 | $2,223 | $2,195 |
| Progressive | $2,542 | $2,789 | $3,092 |
| State Farm | $1,945 | $2,060 | $2,164 |
| Travelers | $1,842 | $1,943 | $2,051 |
| USAA | $2,561 | $2,743 | $2,933 |
Read more: Liberty Mutual vs. Travelers Car Insurance Comparison
What affects car insurance rates in Charleston, Illinois?
What factors can have an impact on Charleston, IL car insurance? There are several reasons why Charleston car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charleston, Illinois.
Commute Time in Charleston
The more time you spend in your car the higher the risk of an accident. The average commute length in Charleston, IL is 14.8 minutes according to City-Data.
Traffic in Charleston
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charleston, IL traffic data from INRIX ranks Charleston as the 649th-most congested in the world.
Compare Car Insurance Quotes in Charleston, IL
Ready to find affordable Charleston, Illinois car insurance today? Enter your ZIP code for fast, free Charleston, IL car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What is the average monthly car insurance rate in Charleston, IL?
The average monthly car insurance rate in Charleston, IL is $233.
What are the car insurance requirements in Charleston, IL?
The car insurance requirements in Charleston, IL are 25/50/20. However, if your car is financed, you might need full coverage insurance.
How can I find cheap car insurance rates in Charleston, IL?
To find cheap car insurance rates in Charleston, IL, you can compare quotes from the top car insurance companies in the area.
How do age, gender, and marital status affect car insurance rates in Charleston, IL?
Every car insurance company weighs age, gender, and marital status differently. It’s important to compare rates to find out how these factors can affect your insurance premiums.
What is the minimum car insurance required in Charleston, IL?
The minimum car insurance required in Charleston, IL meets the state’s requirements of 25/50/20.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
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.