Best Carbondale, IL Car Insurance in 2024
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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Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
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 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 car insurance in Carbondale, the options can be confusing. You can find everything you need to know to compare Illinois car insurance rates. But we zero in on Carbondale, IL, 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 and compare Rockford, IL car insurance rates to 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
Have you ever wondered what are the factors that affect car insurance rates? 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. Not in Illinois? Here’s how to find car insurance coverage requirements in your state. 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. Check out which car insurance companies don’t use credit scores.
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
Do car insurance companies check your 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. While you’re at it, here are some tips for finding car insurance for young drivers.
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. Did you know some providers offer senior citizens car insurance discounts?
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. Finding car insurance for a minor with a DUI can be even harder.
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. Did you know you can get lower car insurance by driving less?
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. Do you understand the difference between buying collision vs. comprehensive coverage? 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? What affects a car insurance quote? 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.
Frequently Asked Questions
What are the car insurance requirements in Carbondale, IL?
Carbondale, IL car insurance requirements are 25/50/20, but full coverage insurance may be needed if your car is financed.
How can I find cheap car insurance rates in Carbondale, IL?
To find cheap car insurance rates in Carbondale, IL, compare quotes from the top car insurance companies in the area.
How do factors like age, gender, and marital status affect car insurance rates in Carbondale, IL?
Every car insurance company weighs these factors differently. It’s recommended to compare rates to see how they affect your premiums.
What is the minimum car insurance required in Carbondale, IL?
The minimum car insurance required in Carbondale, IL follows the 25/50/20 liability coverage limits.
Does credit score affect car insurance rates in Carbondale, IL?
Yes, your credit score can affect car insurance costs. You can compare car insurance rates based on credit history for good, fair, and poor credit.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
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.