Buy Cheap Carmi, IL Auto Insurance (2022)

Carmi, IL auto insurance rates average $255 a month. Minimum auto insurance requirements in Carmi, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Carmi, IL, compare Carmi auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • Average auto insurance rates in Carmi, IL are $255/month
  • The most expensive auto insurance company in Carmi after a DUI is American Family
  • The most expensive auto insurance company in Carmi is Allstate

Finding affordable Carmi, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Carmi, IL auto insurance with confidence is right here. Auto insurance rates in Carmi are affected by local factors as well as personal ones like your driving record.

See how Carmi, IL car insurance rates compare to Chicago auto insurance rates, Springfield auto insurance rates, and Cicero auto insurance rates before you read more about the cost of auto insurance in Carmi.

Don’t buy Carmi, IL auto insurance until you’ve compared rates. Get free Carmi, Illinois auto insurance quotes when you enter your ZIP code above.

Carmi, IL Minimum Auto Insurance Requirements

The required auto insurance in Carmi, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Carmi, Illinois is outlined here.

Minimum Required Auto Insurance Coverage in Carmi, 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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Find Cheap Carmi, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Carmi, IL. Take a look at Carmi, Illinois auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Carmi, Illinois

Insurance Company Poor Fair Good
Allstate $5,622 $4,042 $3,535
American Family $4,999 $3,383 $2,856
Farmers $4,754 $3,980 $3,788
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,023 $1,879 $1,502
Nationwide $3,206 $2,585 $2,266
Progressive $3,811 $3,199 $2,940
State Farm $3,103 $1,858 $1,441
Travelers $2,637 $2,109 $1,720
USAA $3,823 $2,623 $2,160

Buy Cheap Carmi, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Carmi, Illinois auto insurance rates? Find out how car insurance rates in Carmi, IL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Carmi, 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 $2,815 $2,828 $2,937 $2,937 $7,239 $9,407 $3,382 $3,654
American Family $2,351 $2,351 $2,146 $2,146 $6,511 $9,083 $2,351 $3,027
Farmers $2,279 $2,283 $2,027 $2,136 $9,466 $9,870 $2,600 $2,731
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,366 $1,477 $1,139 $1,272 $4,201 $4,673 $1,431 $1,516
Nationwide $1,726 $1,759 $1,535 $1,629 $4,666 $5,999 $2,001 $2,170
Progressive $2,027 $1,942 $1,671 $1,744 $6,661 $7,489 $2,415 $2,585
State Farm $1,389 $1,389 $1,224 $1,224 $3,736 $4,761 $1,564 $1,785
Travelers $1,404 $1,481 $1,268 $1,351 $3,873 $4,802 $1,491 $1,570
USAA $1,706 $1,737 $1,586 $1,562 $5,528 $6,101 $2,251 $2,475

Buy Cheap Carmi, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Carmi can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Carmi, IL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Carmi, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,239 $9,407
American Family $6,511 $9,083
Farmers $9,466 $9,870
GEICO $5,690 $6,014
Liberty Mutual $4,201 $4,673
Nationwide $4,666 $5,999
Progressive $6,661 $7,489
State Farm $3,736 $4,761
Travelers $3,873 $4,802
USAA $5,528 $6,101

Buy Cheap Carmi, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Carmi, Illinois by comparing Carmi senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Carmi, IL here.

Annual Auto Insurance Rates for Senior Drivers in Carmi, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,937 $2,937
American Family $2,146 $2,146
Farmers $2,027 $2,136
GEICO $1,757 $2,095
Liberty Mutual $1,139 $1,272
Nationwide $1,535 $1,629
Progressive $1,671 $1,744
State Farm $1,224 $1,224
Travelers $1,268 $1,351
USAA $1,586 $1,562

Find Cheap Auto Insurance Rates in Carmi, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Carmi, Illinois auto insurance. Compare Carmi, IL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Carmi, Illinois

Insurance Company Low Medium High
Allstate $4,257 $4,395 $4,546
American Family $3,633 $3,882 $3,723
Farmers $3,985 $4,082 $4,455
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,024 $2,130 $2,250
Nationwide $2,684 $2,705 $2,669
Progressive $3,058 $3,296 $3,597
State Farm $2,034 $2,137 $2,231
Travelers $2,038 $2,153 $2,274
USAA $2,681 $2,866 $3,058

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Find Cheap Carmi, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Carmi. Compare auto insurance rates in Carmi, IL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Carmi, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,400 $4,400
American Family $3,697 $3,794
Farmers $4,174 $4,174
GEICO $2,920 $3,043
Liberty Mutual $2,134 $2,134
Nationwide $2,686 $2,686
Progressive $3,317 $3,317
State Farm $2,081 $2,187
Travelers $2,072 $2,238
USAA $2,788 $2,949

Find Cheap Carmi, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Carmi, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Carmi, IL, take a look at the average cost for various violations versus rates for a clean driving record in Carmi.

Annual Carmi, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,164 $5,342 $4,955 $4,138
American Family $2,752 $3,912 $5,196 $3,124
Farmers $3,530 $4,536 $4,423 $4,208
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,788 $2,509 $2,219 $2,022
Nationwide $2,163 $2,801 $3,294 $2,485
Progressive $2,750 $4,003 $3,039 $3,475
State Farm $1,967 $2,301 $2,134 $2,134
Travelers $1,725 $2,247 $2,492 $2,156
USAA $2,043 $2,938 $4,028 $2,465

Find Cheap Carmi, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Carmi, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Carmi for less when you shop around and compare rates from multiple Carmi, IL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Carmi, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,955
American Family $5,196
Farmers $4,423
GEICO $4,060
Liberty Mutual $2,219
Nationwide $3,294
Progressive $3,039
State Farm $2,134
Travelers $2,492
USAA $4,028

Winners by Category: Where to Buy Cheap Auto Insurance in Carmi, IL

Compare rates from the cheapest auto insurance companies in Carmi, IL for your needs. Take a look at how Carmi, Illinois auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Carmi, Illinois

Category Insurance Company
Teenagers State Farm
Seniors Liberty Mutual
Clean Record Travelers
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

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Find Cheap Carmi, Illinois Auto Insurance Companies

If you’re looking for the cheapest Carmi, IL auto insurance companies overall, you can compare them here. Find the best price for Carmi, Illinois car insurance by company.

Average Annual Auto Insurance Rates by Company in Carmi, Illinois

Insurance Company Average Annual Rates
Allstate $4,400
American Family $3,746
Farmers $4,174
GEICO $2,982
Liberty Mutual $2,134
Nationwide $2,686
Progressive $3,317
State Farm $2,134
Travelers $2,155
USAA $2,868

What affects Carmi, Illinois auto insurance rates?

Local factors affect auto insurance rates in Carmi, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Carmi auto insurance rates.

Commute Times in Carmi

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Carmi, IL is 20.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Carmi, IL

You can buy cheap Carmi, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Carmi, Illinois auto insurance quotes from top companies.

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