Quincy, IL Auto Insurance (2024)
The average Quincy, IL auto insurance rates are $240 per month. The minimum auto insurance in Quincy is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Quincy, 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 23, 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 23, 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
- Average auto insurance rates in Quincy, IL for senior drivers are $1,649 per year
- The minimum auto insurance required in Quincy, Illinois is 25/50/20
- The cheapest auto insurance company in Quincy is State Farm
Quincy, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Quincy 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 Quincy, Illinois, including driving record, credit, commute time, and more.
Compare auto insurance in Quincy to other Illinois cities, including Aurora auto insurance rates, Joliet auto insurance rates, and Waukegan auto insurance rates to see how Quincy, Illinois auto insurance rates stack up.
Before you buy Quincy, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Quincy, Illinois auto insurance quotes.
Minimum Auto Insurance in Quincy, Illinois
Quincy, 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 Quincy, 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 Quincy, Illinois Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Quincy, 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 | $2,860 | $2,873 | $2,985 | $2,985 | $7,396 | $9,625 | $3,438 | $3,717 |
| American Family | $2,158 | $2,158 | $1,975 | $1,975 | $6,065 | $8,414 | $2,158 | $2,782 |
| Farmers | $2,139 | $2,141 | $1,898 | $2,006 | $9,165 | $9,558 | $2,445 | $2,560 |
| Geico | $1,475 | $1,501 | $1,419 | $1,713 | $4,613 | $4,804 | $1,860 | $1,777 |
| Liberty Mutual | $1,315 | $1,420 | $1,094 | $1,224 | $4,253 | $4,735 | $1,373 | $1,449 |
| Nationwide | $1,805 | $1,841 | $1,604 | $1,704 | $4,886 | $6,291 | $2,094 | $2,272 |
| Progressive | $1,815 | $1,717 | $1,498 | $1,562 | $6,604 | $7,413 | $2,168 | $2,354 |
| State Farm | $1,178 | $1,178 | $1,053 | $1,053 | $3,369 | $4,278 | $1,332 | $1,526 |
| Travelers | $1,406 | $1,482 | $1,283 | $1,367 | $4,007 | $5,021 | $1,488 | $1,566 |
| USAA | $1,391 | $1,421 | $1,294 | $1,281 | $4,333 | $4,785 | $1,819 | $2,009 |
Cheap Quincy, Illinois Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Quincy, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Quincy, Illinois.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,396 | $9,625 |
| American Family | $6,065 | $8,414 |
| Farmers | $9,165 | $9,558 |
| Geico | $4,613 | $4,804 |
| Liberty Mutual | $4,253 | $4,735 |
| Nationwide | $4,886 | $6,291 |
| Progressive | $6,604 | $7,413 |
| State Farm | $3,369 | $4,278 |
| Travelers | $4,007 | $5,021 |
| USAA | $4,333 | $4,785 |
Cheap Quincy, Illinois Auto Insurance for Seniors
What are senior auto insurance rates in Quincy, 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 | $2,985 | $2,985 |
| American Family | $1,975 | $1,975 |
| Farmers | $1,898 | $2,006 |
| Geico | $1,419 | $1,713 |
| Liberty Mutual | $1,094 | $1,224 |
| Nationwide | $1,604 | $1,704 |
| Progressive | $1,498 | $1,562 |
| State Farm | $1,053 | $1,053 |
| Travelers | $1,283 | $1,367 |
| USAA | $1,294 | $1,281 |
Cheap Quincy, 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 Quincy, Illinois compared to the annual auto insurance rates with a clean record in Quincy, Illinois.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,218 | $5,435 | $5,071 | $4,215 |
| American Family | $2,541 | $3,624 | $4,795 | $2,883 |
| Farmers | $3,368 | $4,341 | $4,233 | $4,013 |
| Geico | $1,745 | $2,342 | $3,322 | $2,172 |
| Liberty Mutual | $1,761 | $2,486 | $2,190 | $1,994 |
| Nationwide | $2,262 | $2,933 | $3,453 | $2,601 |
| Progressive | $2,590 | $3,841 | $2,866 | $3,268 |
| State Farm | $1,710 | $2,032 | $1,871 | $1,871 |
| Travelers | $1,757 | $2,296 | $2,559 | $2,198 |
| USAA | $1,646 | $2,344 | $3,198 | $1,980 |
Cheap Quincy, Illinois Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Quincy, Illinois is not easy. Compare the annual rates for DUI auto insurance in Quincy, Illinois to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,071 |
| American Family | $4,795 |
| Farmers | $4,233 |
| Geico | $3,322 |
| Liberty Mutual | $2,190 |
| Nationwide | $3,453 |
| Progressive | $2,866 |
| State Farm | $1,871 |
| Travelers | $2,559 |
| USAA | $3,198 |
Cheap Quincy, Illinois Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Quincy, Illinois annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,718 | $4,128 | $3,608 |
| American Family | $4,604 | $3,131 | $2,648 |
| Farmers | $4,534 | $3,809 | $3,624 |
| Geico | $3,835 | $1,881 | $1,469 |
| Liberty Mutual | $2,978 | $1,860 | $1,485 |
| Nationwide | $3,360 | $2,706 | $2,371 |
| Progressive | $3,575 | $3,039 | $2,810 |
| State Farm | $2,720 | $1,629 | $1,264 |
| Travelers | $2,688 | $2,161 | $1,758 |
| USAA | $3,056 | $2,094 | $1,725 |
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Cheap Quincy, Illinois Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Quincy, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Quincy, Illinois to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 62301 | $2,820 |
| 62305 | $2,854 |
Cheap Quincy, Illinois Auto Insurance Rates By Commute
Commute length and annual mileage affect Quincy, Illinois auto insurance. Find the cheapest annual Quincy, Illinois auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,485 | $4,485 |
| American Family | $3,416 | $3,505 |
| Farmers | $3,989 | $3,989 |
| Geico | $2,353 | $2,437 |
| Liberty Mutual | $2,108 | $2,108 |
| Nationwide | $2,812 | $2,812 |
| Progressive | $3,141 | $3,141 |
| State Farm | $1,823 | $1,919 |
| Travelers | $2,117 | $2,288 |
| USAA | $2,227 | $2,356 |
Cheap Quincy, Illinois Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Quincy, Illinois? Check out the comparison of annual Quincy, Illinois auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,359 | $4,481 | $4,615 |
| American Family | $3,344 | $3,587 | $3,451 |
| Farmers | $3,796 | $3,894 | $4,276 |
| Geico | $2,184 | $2,390 | $2,611 |
| Liberty Mutual | $1,984 | $2,103 | $2,237 |
| Nationwide | $2,817 | $2,831 | $2,789 |
| Progressive | $2,906 | $3,135 | $3,382 |
| State Farm | $1,766 | $1,874 | $1,972 |
| Travelers | $2,066 | $2,200 | $2,341 |
| USAA | $2,141 | $2,289 | $2,445 |
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Best By Category: Cheapest Auto Insurance in Quincy, Illinois
Compare the cheapest auto insurance companies in Quincy, 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 Quincy, Illinois Auto Insurance Companies
What auto insurance companies in Quincy, Illinois are the cheapest? Compare the top Quincy, Illinois auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,485 |
| American Family | $3,461 |
| Farmers | $3,989 |
| Geico | $2,395 |
| Liberty Mutual | $2,108 |
| Nationwide | $2,812 |
| Progressive | $3,141 |
| State Farm | $1,871 |
| Travelers | $2,202 |
| USAA | $2,292 |
What affects auto insurance rates in Quincy, Illinois?
There are a lot of reasons why auto insurance rates in Quincy, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Quincy, Illinois. Many local factors may affect your Quincy auto insurance rates.
Quincy Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Quincy, Illinois commute length is 14.2 minutes according to City-Data.
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Compare Quincy, Illinois Auto Insurance Quotes
Before you buy Quincy, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Quincy, Illinois auto insurance quotes.
Frequently Asked Questions
What is Quincy, IL auto insurance?
Quincy, IL auto insurance refers to the insurance coverage required for vehicles registered and operated in Quincy, Illinois. It provides financial protection in case of accidents, damage, theft, or other covered events involving your vehicle.
What types of auto insurance coverage are available in Quincy, IL?
The common types of auto insurance coverage available in Quincy, IL include liability coverage, which is mandatory and covers injuries and property damage to others, as well as optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage.
Is auto insurance mandatory in Quincy, IL?
Yes, auto insurance is mandatory in Quincy, IL, as it is in the rest of Illinois. The state requires drivers to carry a minimum amount of liability coverage to protect against financial responsibility for injuries or property damage caused by an accident.
What are the minimum liability insurance requirements in Quincy, IL?
The minimum liability insurance requirements in Quincy, IL are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
Can I purchase additional auto insurance coverage in Quincy, IL?
Yes, you can purchase additional auto insurance coverage beyond the minimum requirements in Quincy, IL. Optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage can provide enhanced protection for your vehicle and yourself.
How can I find the best auto insurance in Quincy, IL?
To find the best auto insurance in Quincy, IL, consider these steps:
- Shop around and compare quotes from multiple insurance companies.
- Assess the coverage options, limits, and deductibles offered by each insurer.
- Check the financial stability and reputation of the insurance companies.
- Read customer reviews and ratings to evaluate their customer service.
- Take into account any discounts or special features that may be available.
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.