Compare Pekin, IN Car Insurance Rates [2024]
Car insurance in Pekin, IN averages $300 a month. Pekin, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Pekin car insurance rates, compare quotes from the top car insurance companies in Pekin, IN.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: May 5, 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: May 5, 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
- The cheapest car insurance company in Pekin for teen drivers is USAA
- Average car insurance rates in Pekin, IN after a DUI are $4,239/year
- Average car insurance rates in Pekin, IN are $3,595/year
If you need to buy Pekin, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Pekin, IN is right here.
You’ll find Pekin car insurance rates, the cheapest Pekin, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Pekin, Indiana car insurance rates to Hammond car insurance rates, Bloomington car insurance rates, and Evansville car insurance rates.
Ready to find affordable Pekin, IN car insurance today? Enter your ZIP code for fast, free Pekin car insurance quotes.
Cheapest Pekin, IN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Pekin, IN car insurance rates? Every Pekin, Indiana 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 | $2,605 | $2,672 | $2,281 | $2,498 | $7,966 | $10,045 | $2,656 | $2,887 |
| American Family | $2,473 | $2,473 | $2,219 | $2,219 | $6,768 | $9,826 | $2,473 | $3,050 |
| Farmers | $1,746 | $1,722 | $1,492 | $1,686 | $9,730 | $10,459 | $2,325 | $2,492 |
| Geico | $1,673 | $1,657 | $1,547 | $1,591 | $4,871 | $4,549 | $1,912 | $1,701 |
| Liberty Mutual | $4,048 | $4,048 | $3,718 | $3,718 | $8,901 | $13,457 | $4,048 | $5,562 |
| Nationwide | $1,782 | $1,827 | $1,557 | $1,669 | $5,181 | $6,759 | $2,089 | $2,292 |
| Progressive | $1,912 | $1,818 | $1,724 | $1,738 | $11,111 | $12,538 | $2,405 | $2,466 |
| State Farm | $1,709 | $1,709 | $1,516 | $1,516 | $5,100 | $6,546 | $1,888 | $2,100 |
| Travelers | $1,317 | $1,341 | $1,232 | $1,232 | $8,148 | $12,885 | $1,393 | $1,618 |
| USAA | $1,095 | $1,079 | $1,018 | $1,026 | $3,041 | $3,402 | $1,481 | $1,587 |
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Minimum Car Insurance in Pekin, IN
Every driver must carry the minimum car insurance required by the state in Pekin, IN. Take a look at the Indiana 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 | $25,000 minimum |
Cheapest Pekin, IN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Pekin, IN. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Pekin from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,217 | $3,871 | $3,515 |
| American Family | $5,388 | $3,498 | $2,927 |
| Farmers | $4,604 | $3,769 | $3,497 |
| Geico | $2,934 | $2,438 | $1,941 |
| Liberty Mutual | $7,907 | $5,146 | $4,759 |
| Nationwide | $3,297 | $2,784 | $2,602 |
| Progressive | $4,935 | $4,356 | $4,102 |
| State Farm | $4,024 | $2,399 | $1,859 |
| Travelers | $4,061 | $3,440 | $3,437 |
| USAA | $2,311 | $1,528 | $1,310 |
Cheapest Pekin, IN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Pekin, IN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,354 | $4,926 | $4,538 | $3,986 |
| American Family | $2,714 | $4,320 | $5,483 | $3,234 |
| Farmers | $3,545 | $4,119 | $4,255 | $3,908 |
| Geico | $1,607 | $2,518 | $3,385 | $2,240 |
| Liberty Mutual | $4,653 | $5,470 | $8,508 | $5,119 |
| Nationwide | $2,483 | $3,214 | $3,079 | $2,802 |
| Progressive | $3,338 | $5,861 | $3,992 | $4,666 |
| State Farm | $2,697 | $2,951 | $2,697 | $2,697 |
| Travelers | $3,096 | $3,827 | $4,338 | $3,322 |
| USAA | $1,297 | $1,846 | $2,117 | $1,606 |
Cheapest Pekin, IN Car Insurance for Teen Drivers
Teen car insurance in Pekin, IN can be expensive. Take a look at rates from the top car insurance companies in Pekin for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,966 | $10,045 |
| American Family | $6,768 | $9,826 |
| Farmers | $9,730 | $10,459 |
| Geico | $4,871 | $4,549 |
| Liberty Mutual | $8,901 | $13,457 |
| Nationwide | $5,181 | $6,759 |
| Progressive | $11,111 | $12,538 |
| State Farm | $5,100 | $6,546 |
| Travelers | $8,148 | $12,885 |
| USAA | $3,041 | $3,402 |
Cheapest Pekin, IN Car Insurance for Seniors
Take a look at Pekin, IN rates on car insurance for seniors 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 | $2,281 | $2,498 |
| American Family | $2,219 | $2,219 |
| Farmers | $1,492 | $1,686 |
| Geico | $1,547 | $1,591 |
| Liberty Mutual | $3,718 | $3,718 |
| Nationwide | $1,557 | $1,669 |
| Progressive | $1,724 | $1,738 |
| State Farm | $1,516 | $1,516 |
| Travelers | $1,232 | $1,232 |
| USAA | $1,018 | $1,026 |
Cheapest Pekin, IN Car Insurance Rates After a DUI
A DUI in Pekin, IN increases car insurance rates. Compare Pekin, Indiana car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,538 |
| American Family | $5,483 |
| Farmers | $4,255 |
| Geico | $3,385 |
| Liberty Mutual | $8,508 |
| Nationwide | $3,079 |
| Progressive | $3,992 |
| State Farm | $2,697 |
| Travelers | $4,338 |
| USAA | $2,117 |
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Cheapest Pekin, IN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Pekin, IN 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 | $4,201 | $4,201 |
| American Family | $3,890 | $3,985 |
| Farmers | $3,957 | $3,957 |
| Geico | $2,392 | $2,483 |
| Liberty Mutual | $5,779 | $6,096 |
| Nationwide | $2,894 | $2,894 |
| Progressive | $4,464 | $4,464 |
| State Farm | $2,682 | $2,839 |
| Travelers | $3,646 | $3,646 |
| USAA | $1,693 | $1,739 |
The Best Cheap Car Insurance Companies in Pekin, IN
Take a look at a side-by-side comparison of the top car insurance companies in Pekin, IN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,201 |
| American Family | $3,938 |
| Farmers | $3,957 |
| Geico | $2,438 |
| Liberty Mutual | $5,937 |
| Nationwide | $2,894 |
| Progressive | $4,464 |
| State Farm | $2,761 |
| Travelers | $3,646 |
| USAA | $1,716 |
Category Winners: Cheapest Car Insurance in Pekin, Indiana
Find the cheapest car insurance companies in Pekin, IN for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest Pekin, IN Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Pekin car insurance rates. Find the cheapest Pekin, IN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,000 | $4,186 | $4,417 |
| American Family | $3,904 | $4,068 | $3,841 |
| Farmers | $3,801 | $3,950 | $4,119 |
| Geico | $2,295 | $2,432 | $2,587 |
| Liberty Mutual | $5,768 | $5,924 | $6,121 |
| Nationwide | $2,944 | $2,871 | $2,869 |
| Progressive | $4,213 | $4,394 | $4,786 |
| State Farm | $2,637 | $2,760 | $2,885 |
| Travelers | $3,578 | $3,680 | $3,679 |
| USAA | $1,653 | $1,712 | $1,784 |
What affects car insurance rates in Pekin, Indiana?
What are the factors that affect car insurance rates in Pekin, IN? There are several reasons why Pekin car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Pekin, Indiana.
Commute Time in Pekin
The more time you spend in your car the higher the risk of an accident. The average commute length in Pekin, IN is 34.1 minutes according to City-Data.
Compare Car Insurance Quotes in Pekin, IN
Ready to find affordable Pekin, Indiana car insurance today? Enter your ZIP code for fast, free Pekin, IN car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What factors affect car insurance rates in Pekin, IN?
Several factors influence car insurance rates in Pekin, IN, including your driving history, age, gender, type of vehicle, credit score, and the coverage options you choose. Additionally, local factors like the crime rate and frequency of accidents in Pekin, IN, may also impact insurance rates.
Are car insurance rates higher in Pekin, IN compared to other areas?
Car insurance rates can vary significantly based on location, so it is essential to compare rates from different insurance providers to determine the competitiveness of Pekin, IN. However, it’s important to note that rural areas generally tend to have lower insurance rates compared to densely populated urban areas.
How can I find the best car insurance rates in Pekin, IN?
To find the best car insurance rates in Pekin, IN, consider following these steps:
- Gather quotes from multiple insurance companies.
- Compare coverage options and limits.
- Check for discounts or special offers.
- Review the reputation and customer service of the insurance provider.
- Consider seeking advice from an insurance agent to help you navigate the process.
What are the pros of car insurance in Pekin, IN?
Pros of car insurance in Pekin, IN may include:
- Competitive rates, particularly in rural areas.
- Various coverage options to suit your needs.
- Access to local insurance agents who understand the area-specific risks and can provide personalized advice.
- Potential discounts or offers that can help lower premiums.
What are the cons of car insurance in Pekin, IN?
Cons of car insurance in Pekin, IN may include:
- Limited choices of insurance providers in smaller towns.
- Higher rates if the area experiences high crime or accident rates.
- Lack of specialized coverage options for unique needs or specific vehicles.
How can I save money on car insurance in Pekin, IN?
Here are some tips to potentially save money on car insurance in Pekin, IN:
- Maintain a clean driving record.
- Consider raising your deductible.
- Bundle your car insurance with other policies from the same provider.
- Take advantage of available discounts (e.g., good student, safe driver, multi-car).
- Install safety features in your vehicle.
- Shop around and compare quotes from multiple insurance providers.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
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.