Compare Charleston, IL Car Insurance Rates (2022)

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.

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UPDATED: Jun 22, 2022

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

Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charleston, 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 $2,953 $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

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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.

Minimum Required Car Insurance Coverage in Charleston, 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 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.

Annual Car Insurance Rates by Credit Score in Charleston, Illinois

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.

Annual Charleston, Illinois Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Charleston, Illinois

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.

Annual Car Insurance Rates for Senior Drivers in Charleston, Illinois

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.

Annual Car Insurance Rates After a DUI in Charleston, Illinois

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

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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.

Annual Car Insurance Rates by Commute Length in Charleston, Illinois

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.

Average Annual Car Insurance Rates by Company in Charleston, Illinois

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.

Best Annual Car Insurance Rates by Company in Charleston, Illinois

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

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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.

Annual Car Insurance Rates by Coverage Level in Charleston, Illinois

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

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.

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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