Best Mattoon, IL Car Insurance in 2024
Car insurance in Mattoon, IL averages $236 a month. Mattoon, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Mattoon car insurance rates, compare quotes from the top car insurance companies in Mattoon, 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
- Average car insurance rates in Mattoon, IL after a DUI are $3,293/year
- The cheapest car insurance company in Mattoon is Travelers
- Average car insurance rates in Mattoon, IL are $2,826/year
If you need to buy Mattoon, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Mattoon, IL is right here.
You’ll find Mattoon car insurance rates, the cheapest Mattoon, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Mattoon, Illinois car insurance rates to Naperville car insurance rates, Springfield car insurance rates, and Aurora car insurance rates.
Ready to find affordable Mattoon, IL car insurance today? Enter your ZIP code for fast, free Mattoon car insurance quotes.
Cheapest Mattoon, IL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Mattoon, IL car insurance rates? Every Mattoon, 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 | $2,228 | $2,231 | $1,976 | $2,088 | $9,554 | $9,971 | $2,543 | $2,662 |
| 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 | $1,627 | $1,531 | $1,340 | $1,412 | $5,887 | $6,591 | $1,926 | $2,065 |
| State Farm | $1,344 | $1,344 | $1,203 | $1,203 | $3,896 | $4,935 | $1,520 | $1,752 |
| Travelers | $1,295 | $1,364 | $1,183 | $1,259 | $3,662 | $4,578 | $1,369 | $1,439 |
| 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 Mattoon, IL
Every driver must carry the minimum car insurance in Mattoon, 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 Mattoon, IL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Mattoon, IL. Compare credit history car insurance rates in Mattoon 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 | $4,723 | $3,969 | $3,777 |
| Geico | $3,690 | $1,812 | $1,417 |
| Liberty Mutual | $2,897 | $1,806 | $1,443 |
| Nationwide | $2,631 | $2,129 | $1,868 |
| Progressive | $3,199 | $2,702 | $2,491 |
| State Farm | $3,126 | $1,872 | $1,451 |
| Travelers | $2,463 | $1,982 | $1,612 |
| USAA | $3,657 | $2,511 | $2,069 |
Cheapest Mattoon, 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 Mattoon, 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 | $3,512 | $4,524 | $4,411 | $4,180 |
| 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 | $2,309 | $3,414 | $2,558 | $2,909 |
| State Farm | $1,962 | $2,338 | $2,150 | $2,150 |
| Travelers | $1,614 | $2,105 | $2,340 | $2,015 |
| USAA | $1,958 | $2,812 | $3,851 | $2,361 |
Cheapest Mattoon, IL Car Insurance for Teen Drivers
Teen car insurance in Mattoon, IL can be expensive. Take a look at rates from the top car insurance companies in Mattoon 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 | $9,554 | $9,971 |
| Geico | $4,375 | $4,641 |
| Liberty Mutual | $4,080 | $4,534 |
| Nationwide | $3,820 | $4,891 |
| Progressive | $5,887 | $6,591 |
| State Farm | $3,896 | $4,935 |
| Travelers | $3,662 | $4,578 |
| USAA | $5,277 | $5,820 |
Cheapest Mattoon, IL Car Insurance for Seniors
Take a look at Mattoon, 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 | $1,976 | $2,088 |
| Geico | $1,364 | $1,612 |
| Liberty Mutual | $1,083 | $1,209 |
| Nationwide | $1,279 | $1,353 |
| Progressive | $1,340 | $1,412 |
| State Farm | $1,203 | $1,203 |
| Travelers | $1,183 | $1,259 |
| USAA | $1,524 | $1,504 |
Cheapest Mattoon, IL Car Insurance Rates After a DUI
A DUI in Mattoon, IL increases car insurance rates. Compare Mattoon, 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 | $4,411 |
| Geico | $3,141 |
| Liberty Mutual | $2,129 |
| Nationwide | $2,697 |
| Progressive | $2,558 |
| State Farm | $2,150 |
| Travelers | $2,340 |
| USAA | $3,851 |
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Cheapest Mattoon, IL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Mattoon, 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 | $4,157 | $4,157 |
| Geico | $2,263 | $2,351 |
| Liberty Mutual | $2,049 | $2,049 |
| Nationwide | $2,210 | $2,210 |
| Progressive | $2,797 | $2,797 |
| State Farm | $2,096 | $2,204 |
| Travelers | $1,941 | $2,097 |
| USAA | $2,669 | $2,823 |
The Best Cheap Car Insurance Companies in Mattoon, IL
Take a look at a side-by-side comparison of the top car insurance companies in Mattoon, IL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,605 |
| American Family | $3,223 |
| Farmers | $4,157 |
| Geico | $2,307 |
| Liberty Mutual | $2,049 |
| Nationwide | $2,210 |
| Progressive | $2,797 |
| State Farm | $2,150 |
| Travelers | $2,019 |
| USAA | $2,746 |
Category Winners: Cheapest Car Insurance in Mattoon, Illinois
Find the cheapest car insurance companies in Mattoon, IL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Travelers |
| Seniors | Liberty Mutual |
| Clean Record | Travelers |
| With 1 Accident | Travelers |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
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Cheapest Mattoon, IL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Mattoon car insurance rates. Find the cheapest Mattoon, 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 | $3,952 | $4,056 | $4,461 |
| Geico | $2,131 | $2,300 | $2,489 |
| Liberty Mutual | $1,938 | $2,044 | $2,164 |
| Nationwide | $2,212 | $2,223 | $2,195 |
| Progressive | $2,534 | $2,779 | $3,079 |
| State Farm | $2,035 | $2,154 | $2,261 |
| Travelers | $1,899 | $2,016 | $2,141 |
| USAA | $2,561 | $2,743 | $2,933 |
Read more: Liberty Mutual vs. Travelers Car Insurance Comparison
What affects car insurance rates in Mattoon, Illinois?
What factors can have an impact on Mattoon, IL car insurance? There are several reasons why Mattoon car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Mattoon, Illinois.
Commute Time in Mattoon
The more time you spend in your car the higher the risk of an accident. The average commute length in Mattoon, IL is 16.5 minutes according to City-Data.
Compare Car Insurance Quotes in Mattoon, IL
Ready to find affordable Mattoon, Illinois car insurance today? Enter your ZIP code for fast, free Mattoon, IL car insurance quotes.
Free Car Insurance Comparison
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 Mattoon, IL?
To compare car insurance rates in Mattoon, IL, you can follow these steps:
- Gather information: Collect details about your vehicle, driving history, and insurance needs.
- Research insurance companies: Look for reputable insurance providers in Mattoon, IL.
- Request quotes: Reach out to different insurance companies and request quotes based on your information.
- Compare coverage options: Review the coverage levels, deductibles, and additional features offered by each insurer.
- Evaluate costs: Consider the premiums and any potential discounts offered by each insurer.
- Choose the best option: Select the insurance policy that provides the coverage you need at a price that fits your budget.
Are car insurance rates the same for everyone in Mattoon, IL?
No, car insurance rates can vary based on several factors, including your age, driving history, the type of vehicle you drive, and your location within Mattoon, IL. Insurance companies assess risk differently, which can lead to variations in premiums among individuals.
What factors can affect car insurance rates in Mattoon, IL?
Several factors can influence car insurance rates in Mattoon, IL. These may include:
- Age and gender
- Driving record
- Vehicle make, model, and year
- Coverage limits and deductibles
- Credit history
- Marital status
- Annual mileage
- Location within Mattoon, IL
Can I save money on car insurance in Mattoon, IL?
Yes, there are ways to potentially save money on car insurance in Mattoon, IL. Here are some tips:
- Shop around and compare quotes from multiple insurers.
- Consider bundling your car insurance with other policies like home insurance.
- Maintain a good driving record to qualify for safe driver discounts.
- Increase your deductibles if you can afford to pay more out-of-pocket in the event of a claim.
- Ask about discounts for features like anti-theft devices, safe driving courses, or low annual mileage.
- Inquire about loyalty discounts for long-term policyholders.
- Regularly review your coverage needs and adjust your policy accordingly.
Are there any specific discounts or programs available in Mattoon, IL?
Insurance companies may offer various discounts and programs in Mattoon, IL. While the availability of discounts can vary among insurers, common ones include safe driver discounts, multi-policy discounts, good student discounts, low mileage discounts, and discounts for anti-theft devices or safety features in your vehicle. It’s best to check with individual insurance providers to learn about the specific discounts they offer.
Are there any minimum car insurance requirements in Mattoon, IL?
Yes, Mattoon, IL follows the state of Illinois’ minimum car insurance requirements. As of my knowledge cutoff date in September 2021, the minimum liability insurance limits in Illinois are:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage per accident
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.