Best Sterling, IL Car Insurance in 2024
Car insurance in Sterling, IL averages $240 a month. Sterling, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Sterling car insurance rates, compare quotes from the top car insurance companies in Sterling, IL.
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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: 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
- The cheapest car insurance company in Sterling for teen drivers is State Farm
- Average car insurance rates in Sterling, IL are $2,883/year
- Average car insurance rates in Sterling, IL after a DUI are $3,364/year
If you need to buy Sterling, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Sterling, IL is right here.
You’ll find Sterling car insurance rates, the cheapest Sterling, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Sterling, Illinois car insurance rates to Aurora car insurance rates, Chicago car insurance rates, and Rockford car insurance rates.
Ready to find affordable Sterling, IL car insurance today? Enter your ZIP code for fast, free Sterling car insurance quotes.
Cheapest Sterling, IL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Sterling, IL car insurance rates? Every Sterling, 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 | $2,974 | $2,987 | $3,108 | $3,108 | $7,732 | $10,082 | $3,579 | $3,870 |
| American Family | $2,217 | $2,217 | $2,034 | $2,034 | $6,337 | $8,753 | $2,217 | $2,863 |
| Farmers | $2,225 | $2,226 | $1,973 | $2,089 | $9,594 | $10,002 | $2,539 | $2,652 |
| Geico | $1,489 | $1,509 | $1,429 | $1,724 | $4,524 | $4,715 | $1,873 | $1,790 |
| Liberty Mutual | $1,350 | $1,456 | $1,123 | $1,252 | $4,456 | $4,953 | $1,412 | $1,491 |
| Nationwide | $1,416 | $1,441 | $1,265 | $1,339 | $3,735 | $4,789 | $1,633 | $1,767 |
| Progressive | $1,690 | $1,592 | $1,393 | $1,461 | $6,200 | $6,956 | $2,005 | $2,168 |
| State Farm | $1,257 | $1,257 | $1,126 | $1,126 | $3,646 | $4,623 | $1,422 | $1,635 |
| Travelers | $1,394 | $1,470 | $1,278 | $1,361 | $4,012 | $5,047 | $1,473 | $1,551 |
| USAA | $1,498 | $1,521 | $1,395 | $1,371 | $4,862 | $5,356 | $1,970 | $2,159 |
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Minimum Car Insurance in Sterling, IL
Every driver must carry the minimum car insurance required by the state in Sterling, 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 Sterling, IL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Sterling, IL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Sterling from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,965 | $4,308 | $3,767 |
| American Family | $4,757 | $3,246 | $2,749 |
| Farmers | $4,729 | $3,976 | $3,782 |
| Geico | $3,813 | $1,870 | $1,461 |
| Liberty Mutual | $3,090 | $1,931 | $1,538 |
| Nationwide | $2,586 | $2,093 | $1,840 |
| Progressive | $3,341 | $2,837 | $2,620 |
| State Farm | $2,925 | $1,751 | $1,358 |
| Travelers | $2,682 | $2,158 | $1,755 |
| USAA | $3,347 | $2,303 | $1,900 |
Cheapest Sterling, IL 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 Sterling, IL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,344 | $5,681 | $5,298 | $4,396 |
| American Family | $2,633 | $3,748 | $4,970 | $2,986 |
| Farmers | $3,515 | $4,532 | $4,420 | $4,183 |
| Geico | $1,745 | $2,359 | $3,243 | $2,179 |
| Liberty Mutual | $1,822 | $2,583 | $2,272 | $2,068 |
| Nationwide | $1,760 | $2,264 | $2,654 | $2,014 |
| Progressive | $2,418 | $3,587 | $2,679 | $3,048 |
| State Farm | $1,836 | $2,188 | $2,012 | $2,012 |
| Travelers | $1,751 | $2,289 | $2,561 | $2,192 |
| USAA | $1,794 | $2,581 | $3,528 | $2,162 |
Cheapest Sterling, IL Car Insurance for Teen Drivers
Teen car insurance in Sterling, IL can be expensive. Take a look at rates from the top car insurance companies in Sterling for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,732 | $10,082 |
| American Family | $6,337 | $8,753 |
| Farmers | $9,594 | $10,002 |
| Geico | $4,524 | $4,715 |
| Liberty Mutual | $4,456 | $4,953 |
| Nationwide | $3,735 | $4,789 |
| Progressive | $6,200 | $6,956 |
| State Farm | $3,646 | $4,623 |
| Travelers | $4,012 | $5,047 |
| USAA | $4,862 | $5,356 |
Cheapest Sterling, IL Car Insurance for Seniors
Take a look at Sterling, IL 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 | $3,108 | $3,108 |
| American Family | $2,034 | $2,034 |
| Farmers | $1,973 | $2,089 |
| Geico | $1,429 | $1,724 |
| Liberty Mutual | $1,123 | $1,252 |
| Nationwide | $1,265 | $1,339 |
| Progressive | $1,393 | $1,461 |
| State Farm | $1,126 | $1,126 |
| Travelers | $1,278 | $1,361 |
| USAA | $1,395 | $1,371 |
Cheapest Sterling, IL Car Insurance Rates After a DUI
A DUI in Sterling, IL increases car insurance rates. Compare Sterling, Illinois car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,298 |
| American Family | $4,970 |
| Farmers | $4,420 |
| Geico | $3,243 |
| Liberty Mutual | $2,272 |
| Nationwide | $2,654 |
| Progressive | $2,679 |
| State Farm | $2,012 |
| Travelers | $2,561 |
| USAA | $3,528 |
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Cheapest Sterling, IL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Sterling, 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 | $4,680 | $4,680 |
| American Family | $3,538 | $3,630 |
| Farmers | $4,163 | $4,163 |
| Geico | $2,338 | $2,425 |
| Liberty Mutual | $2,186 | $2,186 |
| Nationwide | $2,173 | $2,173 |
| Progressive | $2,933 | $2,933 |
| State Farm | $1,960 | $2,063 |
| Travelers | $2,113 | $2,283 |
| USAA | $2,446 | $2,587 |
The Best Cheap Car Insurance Companies in Sterling, IL
Take a look at a side-by-side comparison of the top car insurance companies in Sterling, IL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,680 |
| American Family | $3,584 |
| Farmers | $4,163 |
| Geico | $2,382 |
| Liberty Mutual | $2,186 |
| Nationwide | $2,173 |
| Progressive | $2,933 |
| State Farm | $2,012 |
| Travelers | $2,198 |
| USAA | $2,516 |
Category Winners: Cheapest Car Insurance in Sterling, Illinois
Find the cheapest car insurance companies in Sterling, IL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | Geico |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Cheapest Sterling, IL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Sterling car insurance rates. Find the cheapest Sterling, IL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,551 | $4,676 | $4,813 |
| American Family | $3,443 | $3,716 | $3,593 |
| Farmers | $3,955 | $4,062 | $4,471 |
| Geico | $2,164 | $2,374 | $2,607 |
| Liberty Mutual | $2,070 | $2,182 | $2,307 |
| Nationwide | $2,160 | $2,189 | $2,169 |
| Progressive | $2,656 | $2,924 | $3,219 |
| State Farm | $1,899 | $2,015 | $2,121 |
| Travelers | $2,052 | $2,195 | $2,347 |
| USAA | $2,344 | $2,513 | $2,692 |
What affects car insurance rates in Sterling, Illinois?
What are the factors that affect car insurance rates in Sterling, IL? There are several reasons why Sterling car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sterling, Illinois.
Commute Time in Sterling
The more time you spend in your car the higher the risk of an accident. The average commute length in Sterling, IL is 15.2 minutes according to City-Data.
Compare Car Insurance Quotes in Sterling, IL
Ready to find affordable Sterling, Illinois car insurance today? Enter your ZIP code for fast, free Sterling, IL 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
How can I compare car insurance rates in Sterling, IL?
To compare car insurance rates in Sterling, IL, you have a few options. You can reach out to individual insurance companies directly and request quotes. Another option is to use online comparison tools that provide multiple quotes from different insurers. These tools typically require you to provide some personal information and details about your vehicle and driving history to generate accurate quotes.
What factors affect car insurance rates in Sterling, IL?
Car insurance rates in Sterling, IL, are influenced by various factors. Common factors include your driving record, age, gender, marital status, type of vehicle you drive, your credit history, and the coverage options you choose. Additionally, factors such as the location where you live in Sterling, IL, and the frequency of car thefts and accidents in that area can impact insurance rates.
Are car insurance rates higher in Sterling, IL, compared to other areas?
Car insurance rates can vary depending on the location, and Sterling, IL, may have different rates compared to other areas. Insurance companies consider factors like population density, crime rates, and accident statistics when determining rates for a specific area. It’s recommended to compare rates from multiple insurers to get a better understanding of how Sterling, IL, compares to other areas.
Are there any discounts available for car insurance in Sterling, IL?
Yes, many insurance companies offer various discounts that can help you save on car insurance in Sterling, IL. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates in Sterling, IL?
There are several strategies you can consider to lower your car insurance rates in Sterling, IL. Maintaining a clean driving record, bundling multiple policies with the same insurer, opting for higher deductibles, and taking advantage of available discounts are some effective methods. You may also want to periodically compare quotes from different insurance companies to ensure you’re getting the best rate.
Is it necessary to have full coverage car insurance in Sterling, IL?
Full coverage car insurance is not legally required in Sterling, IL. However, if you have a loan or lease on your vehicle, your lender or leasing company may require you to have comprehensive and collision coverage. Even if it’s not mandatory, having full coverage can provide added protection for your vehicle in case of accidents, theft, or other covered events. It’s important to evaluate your personal circumstances and financial situation when deciding on the level of coverage you need.
What should I do if I can’t afford car insurance in Sterling, IL?
If you’re struggling to afford car insurance in Sterling, IL, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from multiple insurers to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
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.