Buy Cheap Durand, IL Auto Insurance in 2024
Durand, IL auto insurance rates average $255 a month. Minimum auto insurance requirements in Durand, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Durand, IL, compare Durand auto insurance quotes from top companies.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
UPDATED: Aug 26, 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 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Aug 26, 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 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 Durand, IL after a DUI are $3,551/year
- Average auto insurance rates in Durand, IL are $255/month
- The most expensive auto insurance company in Durand is Allstate
Finding affordable Durand, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Durand, IL auto insurance with confidence is right here. Auto insurance rates in Durand are affected by local factors as well as personal ones like your driving record.
See how Durand, IL car insurance rates compare to Rockford auto insurance rates, Elgin auto insurance rates, and Aurora auto insurance rates before you read more about the cost of auto insurance in Durand.
Don’t buy Durand, IL auto insurance until you’ve compared rates. Get free Durand, Illinois auto insurance quotes when you enter your ZIP code above.
Durand, IL Minimum Auto Insurance Requirements
The required auto insurance in Durand, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Durand, Illinois is outlined here.
| 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 Durand, IL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Durand, IL. Take a look at Durand, Illinois auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,434 | $4,645 | $4,062 |
| American Family | $4,815 | $3,281 | $2,776 |
| Farmers | $4,937 | $4,151 | $3,949 |
| Geico | $3,813 | $1,870 | $1,461 |
| Liberty Mutual | $3,063 | $1,914 | $1,525 |
| Nationwide | $2,730 | $2,209 | $1,940 |
| Progressive | $4,117 | $3,495 | $3,230 |
| State Farm | $3,228 | $1,936 | $1,503 |
| Travelers | $2,697 | $2,164 | $1,762 |
| USAA | $3,600 | $2,467 | $2,031 |
Buy Cheap Durand, IL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Durand, Illinois auto insurance rates? Find out how car insurance rates in Durand, IL are impacted by demographics.
| 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 | $3,209 | $3,224 | $3,354 | $3,354 | $8,342 | $10,860 | $3,860 | $4,174 |
| American Family | $2,247 | $2,247 | $2,059 | $2,059 | $6,391 | $8,844 | $2,247 | $2,899 |
| Farmers | $2,324 | $2,322 | $2,061 | $2,181 | $10,013 | $10,431 | $2,655 | $2,775 |
| Geico | $1,489 | $1,509 | $1,429 | $1,724 | $4,524 | $4,715 | $1,873 | $1,790 |
| Liberty Mutual | $1,340 | $1,445 | $1,115 | $1,244 | $4,411 | $4,902 | $1,401 | $1,479 |
| Nationwide | $1,487 | $1,513 | $1,329 | $1,405 | $3,961 | $5,072 | $1,719 | $1,858 |
| Progressive | $2,098 | $1,984 | $1,730 | $1,809 | $7,571 | $8,505 | $2,503 | $2,713 |
| State Farm | $1,404 | $1,404 | $1,253 | $1,253 | $3,993 | $5,061 | $1,586 | $1,823 |
| Travelers | $1,416 | $1,493 | $1,288 | $1,373 | $4,006 | $5,006 | $1,500 | $1,579 |
| USAA | $1,618 | $1,654 | $1,505 | $1,491 | $5,149 | $5,691 | $2,133 | $2,356 |
Buy Cheap Durand, IL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Durand can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Durand, IL are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,342 | $10,860 |
| American Family | $6,391 | $8,844 |
| Farmers | $10,013 | $10,431 |
| Geico | $4,524 | $4,715 |
| Liberty Mutual | $4,411 | $4,902 |
| Nationwide | $3,961 | $5,072 |
| Progressive | $7,571 | $8,505 |
| State Farm | $3,993 | $5,061 |
| Travelers | $4,006 | $5,006 |
| USAA | $5,149 | $5,691 |
Buy Cheap Durand, IL Auto Insurance for Seniors
You can save on senior auto insurance rates in Durand, Illinois by comparing Durand senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Durand, IL here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,354 | $3,354 |
| American Family | $2,059 | $2,059 |
| Farmers | $2,061 | $2,181 |
| Geico | $1,429 | $1,724 |
| Liberty Mutual | $1,115 | $1,244 |
| Nationwide | $1,329 | $1,405 |
| Progressive | $1,730 | $1,809 |
| State Farm | $1,253 | $1,253 |
| Travelers | $1,288 | $1,373 |
| USAA | $1,505 | $1,491 |
Find Cheap Auto Insurance Rates in Durand, IL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Durand, Illinois auto insurance. Compare Durand, IL auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,902 | $5,043 | $5,197 |
| American Family | $3,482 | $3,757 | $3,633 |
| Farmers | $4,135 | $4,244 | $4,657 |
| Geico | $2,164 | $2,374 | $2,607 |
| Liberty Mutual | $2,052 | $2,163 | $2,287 |
| Nationwide | $2,276 | $2,311 | $2,292 |
| Progressive | $3,324 | $3,603 | $3,914 |
| State Farm | $2,104 | $2,225 | $2,339 |
| Travelers | $2,072 | $2,205 | $2,345 |
| USAA | $2,521 | $2,697 | $2,882 |
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Find Cheap Durand, IL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Durand. Compare auto insurance rates in Durand, IL by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,047 | $5,047 |
| American Family | $3,578 | $3,670 |
| Farmers | $4,346 | $4,346 |
| Geico | $2,338 | $2,425 |
| Liberty Mutual | $2,167 | $2,167 |
| Nationwide | $2,293 | $2,293 |
| Progressive | $3,614 | $3,614 |
| State Farm | $2,167 | $2,278 |
| Travelers | $2,122 | $2,293 |
| USAA | $2,624 | $2,776 |
Find Cheap Durand, IL Auto Insurance Rates by Driving Record
Auto insurance rates in Durand, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Durand, IL, take a look at the average cost for various violations versus rates for a clean driving record in Durand.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,605 | $6,130 | $5,712 | $4,740 |
| American Family | $2,662 | $3,788 | $5,026 | $3,020 |
| Farmers | $3,668 | $4,732 | $4,614 | $4,369 |
| Geico | $1,745 | $2,359 | $3,243 | $2,179 |
| Liberty Mutual | $1,806 | $2,559 | $2,252 | $2,050 |
| Nationwide | $1,857 | $2,389 | $2,800 | $2,126 |
| Progressive | $2,978 | $4,418 | $3,297 | $3,763 |
| State Farm | $2,033 | $2,412 | $2,222 | $2,222 |
| Travelers | $1,761 | $2,299 | $2,564 | $2,205 |
| USAA | $1,929 | $2,762 | $3,784 | $2,324 |
Find Cheap Durand, IL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Durand, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Durand for less when you shop around and compare rates from multiple Durand, IL auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,712 |
| American Family | $5,026 |
| Farmers | $4,614 |
| Geico | $3,243 |
| Liberty Mutual | $2,252 |
| Nationwide | $2,800 |
| Progressive | $3,297 |
| State Farm | $2,222 |
| Travelers | $2,564 |
| USAA | $3,784 |
Winners by Category: Where to Buy Cheap Auto Insurance in Durand, IL
Compare rates from the cheapest auto insurance companies in Durand, IL for your needs. Take a look at how Durand, Illinois auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Travelers |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | Travelers |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Liberty Mutual |
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Find Cheap Durand, Illinois Auto Insurance Companies
If you’re looking for the cheapest Durand, IL auto insurance companies overall, you can compare them here. Find the best price for Durand, Illinois car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,047 |
| American Family | $3,624 |
| Farmers | $4,346 |
| Geico | $2,382 |
| Liberty Mutual | $2,167 |
| Nationwide | $2,293 |
| Progressive | $3,614 |
| State Farm | $2,222 |
| Travelers | $2,207 |
| USAA | $2,700 |
What affects Durand, Illinois auto insurance rates?
Local factors affect auto insurance rates in Durand, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Durand auto insurance rates.
Commute Times in Durand
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Durand, IL is 31.1 minutes according to City-Data.
Compare Auto Insurance Quotes in Durand, IL
You can buy cheap Durand, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Durand, Illinois auto insurance quotes from top companies.
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Frequently Asked Questions
What is Durand, IL auto insurance?
Durand, IL auto insurance refers to a type of insurance coverage specifically designed for vehicles registered in Durand, Illinois. It provides financial protection against damages, injuries, and liabilities resulting from accidents or other covered incidents involving a vehicle.
Why should I buy auto insurance in Durand, IL?
Auto insurance is mandatory in Durand, IL, and most other places in the United States. It is required by law to have a minimum level of liability insurance to cover potential damages or injuries caused by your vehicle. Additionally, auto insurance provides financial protection in case of theft, vandalism, natural disasters, or other covered incidents.
What are the benefits of buying cheap Durand, IL auto insurance?
The primary benefit of buying cheap Durand, IL auto insurance is cost savings. It allows you to meet the legal requirements for insurance coverage while minimizing your premium payments. Cheap auto insurance can still provide the necessary protection for your vehicle, helping you save money in the long run.
What are the drawbacks of buying cheap auto insurance?
While cheap auto insurance can be cost-effective, it often comes with certain drawbacks. These may include limited coverage options, higher deductibles, and potentially lower quality of service. Cheap insurance policies may have exclusions or limitations, so it’s important to carefully review the terms and conditions before making a purchase.
What factors affect the cost of Durand, IL auto insurance?
Several factors influence the cost of Durand, IL auto insurance, including:
- Your driving record: A history of accidents or traffic violations may increase your premium.
- Vehicle make and model: Some vehicles are more expensive to insure due to higher repair costs or theft rates.
- Coverage options: The types and limits of coverage you choose will impact your premium.
- Age and experience: Younger or inexperienced drivers generally pay higher rates.
- Location: The area where you live can affect insurance rates due to factors like population density and crime rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
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.