Alton, IL Auto Insurance (2024)
The average Alton, IL auto insurance rates are $321 per month. The minimum auto insurance in Alton is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Alton, Illinois, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Alton is 23.6 minutes
- The minimum auto insurance required in Alton, Illinois is 25/50/20
- The cheapest auto insurance company in Alton is State Farm
Alton, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Alton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Alton, Illinois, including driving record, credit, commute time, and more.
Compare auto insurance in Alton to other Illinois cities, including Springfield auto insurance rates, Champaign auto insurance rates, and Chicago auto insurance rates to see how Alton, Illinois auto insurance rates stack up.
Before you buy Alton, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Alton, Illinois auto insurance quotes.
Minimum Auto Insurance in Alton, Illinois
Alton, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Alton, 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 |
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Cheap Alton, Illinois Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Alton, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,642 | $3,660 | $3,816 | $3,816 | $9,518 | $12,309 | $4,376 | $4,724 |
| American Family | $2,520 | $2,520 | $2,307 | $2,307 | $7,150 | $9,916 | $2,520 | $3,250 |
| Farmers | $2,770 | $2,777 | $2,450 | $2,601 | $12,284 | $12,837 | $3,153 | $3,279 |
| Geico | $1,856 | $1,894 | $1,798 | $2,194 | $5,866 | $6,121 | $2,339 | $2,224 |
| Liberty Mutual | $1,721 | $1,861 | $1,469 | $1,645 | $5,626 | $6,230 | $1,758 | $1,815 |
| Nationwide | $3,038 | $3,090 | $2,689 | $2,854 | $8,630 | $11,109 | $3,566 | $3,873 |
| Progressive | $2,629 | $2,467 | $2,169 | $2,284 | $9,745 | $10,941 | $3,122 | $3,370 |
| State Farm | $1,455 | $1,455 | $1,309 | $1,309 | $4,493 | $5,685 | $1,647 | $1,893 |
| Travelers | $1,736 | $1,832 | $1,593 | $1,700 | $5,168 | $6,542 | $1,839 | $1,938 |
| USAA | $1,792 | $1,824 | $1,667 | $1,643 | $5,824 | $6,418 | $2,364 | $2,601 |
Cheap Alton, Illinois Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Alton, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Alton, Illinois.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,518 | $12,309 |
| American Family | $7,150 | $9,916 |
| Farmers | $12,284 | $12,837 |
| Geico | $5,866 | $6,121 |
| Liberty Mutual | $5,626 | $6,230 |
| Nationwide | $8,630 | $11,109 |
| Progressive | $9,745 | $10,941 |
| State Farm | $4,493 | $5,685 |
| Travelers | $5,168 | $6,542 |
| USAA | $5,824 | $6,418 |
Cheap Alton, Illinois Auto Insurance for Seniors
What are senior auto insurance rates in Alton, Illinois? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,816 | $3,816 |
| American Family | $2,307 | $2,307 |
| Farmers | $2,450 | $2,601 |
| Geico | $1,798 | $2,194 |
| Liberty Mutual | $1,469 | $1,645 |
| Nationwide | $2,689 | $2,854 |
| Progressive | $2,169 | $2,284 |
| State Farm | $1,309 | $1,309 |
| Travelers | $1,593 | $1,700 |
| USAA | $1,667 | $1,643 |
Cheap Alton, Illinois Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Alton, Illinois compared to the annual auto insurance rates with a clean record in Alton, Illinois.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,060 | $7,011 | $6,484 | $5,376 |
| American Family | $2,987 | $4,229 | $5,640 | $3,389 |
| Farmers | $4,452 | $5,745 | $5,603 | $5,275 |
| Geico | $2,188 | $3,088 | $4,134 | $2,736 |
| Liberty Mutual | $2,291 | $3,285 | $2,870 | $2,617 |
| Nationwide | $3,886 | $5,070 | $5,985 | $4,483 |
| Progressive | $3,769 | $5,637 | $4,186 | $4,773 |
| State Farm | $2,191 | $2,620 | $2,406 | $2,406 |
| Travelers | $2,212 | $2,910 | $3,269 | $2,783 |
| USAA | $2,145 | $3,091 | $4,239 | $2,591 |
Cheap Alton, Illinois Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Alton, Illinois is not easy. Compare the annual rates for DUI auto insurance in Alton, Illinois to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,484 |
| American Family | $5,640 |
| Farmers | $5,603 |
| Geico | $4,134 |
| Liberty Mutual | $2,870 |
| Nationwide | $5,985 |
| Progressive | $4,186 |
| State Farm | $2,406 |
| Travelers | $3,269 |
| USAA | $4,239 |
Cheap Alton, Illinois Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Alton, Illinois annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,315 | $5,267 | $4,615 |
| American Family | $5,403 | $3,675 | $3,107 |
| Farmers | $5,975 | $5,038 | $4,793 |
| Geico | $4,885 | $2,376 | $1,848 |
| Liberty Mutual | $3,924 | $2,440 | $1,933 |
| Nationwide | $5,817 | $4,675 | $4,076 |
| Progressive | $5,224 | $4,441 | $4,108 |
| State Farm | $3,495 | $2,095 | $1,626 |
| Travelers | $3,404 | $2,748 | $2,228 |
| USAA | $4,016 | $2,760 | $2,274 |
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Cheap Alton, Illinois Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Alton, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Alton, Illinois to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 62002 | $3,829 |
Cheap Alton, Illinois Auto Insurance Rates By Commute
Commute length and annual mileage affect Alton, Illinois auto insurance. Find the cheapest annual Alton, Illinois auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,733 | $5,733 |
| American Family | $4,009 | $4,114 |
| Farmers | $5,269 | $5,269 |
| Geico | $2,980 | $3,093 |
| Liberty Mutual | $2,766 | $2,766 |
| Nationwide | $4,856 | $4,856 |
| Progressive | $4,591 | $4,591 |
| State Farm | $2,346 | $2,466 |
| Travelers | $2,683 | $2,904 |
| USAA | $2,932 | $3,101 |
Cheap Alton, Illinois Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Alton, Illinois? Check out the comparison of annual Alton, Illinois auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,517 | $5,726 | $5,954 |
| American Family | $3,896 | $4,211 | $4,078 |
| Farmers | $4,976 | $5,124 | $5,708 |
| Geico | $2,744 | $3,020 | $3,345 |
| Liberty Mutual | $2,555 | $2,754 | $2,987 |
| Nationwide | $4,802 | $4,904 | $4,862 |
| Progressive | $4,141 | $4,568 | $5,064 |
| State Farm | $2,260 | $2,408 | $2,549 |
| Travelers | $2,597 | $2,790 | $2,994 |
| USAA | $2,810 | $3,014 | $3,226 |
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Best By Category: Cheapest Auto Insurance in Alton, Illinois
Compare the cheapest auto insurance companies in Alton, Illinois in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
The Cheapest Alton, Illinois Auto Insurance Companies
What auto insurance companies in Alton, Illinois are the cheapest? Compare the top Alton, Illinois auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,733 |
| American Family | $4,061 |
| Farmers | $5,269 |
| Geico | $3,036 |
| Liberty Mutual | $2,766 |
| Nationwide | $4,856 |
| Progressive | $4,591 |
| State Farm | $2,406 |
| Travelers | $2,793 |
| USAA | $3,017 |
What affects auto insurance rates in Alton, Illinois?
There are a lot of reasons why auto insurance rates in Alton, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Alton, Illinois. Many local factors may affect your Alton auto insurance rates.
Alton Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Alton, Illinois commute length is 23.6 minutes according to City-Data.
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Compare Alton, Illinois Auto Insurance Quotes
Before you buy Alton, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Alton, Illinois auto insurance quotes.
Frequently Asked Questions
What is the effect of credit history on auto insurance rates in Alton, IL?
Credit history can have a major effect on the cost of auto insurance in Alton, IL. Poor credit may result in higher rates, while good credit can lead to lower rates.
How does driving record affect auto insurance rates in Alton, IL?
Driving record has a significant impact on auto insurance rates in Alton, IL. A clean driving record generally results in lower rates, while accidents, DUIs, and speeding violations can increase rates.
How do auto insurance rates for seniors in Alton, IL compare?
Auto insurance rates for seniors in Alton, IL can vary based on the insurance company and gender. Generally, rates for older drivers may be lower than those for younger drivers.
What are the auto insurance rates for teen drivers in Alton, IL?
Teen drivers in Alton, IL generally have higher auto insurance rates. The rates can vary depending on the insurance company and gender.
How does age, gender, and marital status affect auto insurance rates in Alton, IL?
Auto insurance rates in Alton, IL are affected by age, gender, and marital status. Different demographic groups may have varying annual costs of insurance.
What is the average auto insurance rate in Alton, IL?
The average auto insurance rate in Alton, IL is $321 per month.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.