Buy Cheap Paxton, IL Auto Insurance in 2024
Paxton, IL auto insurance rates average $243 a month. Minimum auto insurance requirements in Paxton, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Paxton, IL, compare Paxton auto insurance quotes from top companies.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
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 Paxton, IL for teens drivers are $5,526/year
- Average auto insurance rates in Paxton, IL are $243/month
- The most expensive auto insurance company in Paxton is Allstate
Finding affordable Paxton, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Paxton, IL auto insurance with confidence is right here. Auto insurance rates in Paxton are affected by local factors as well as personal ones like your driving record.
See how Paxton, IL car insurance rates compare to Elgin auto insurance rates, Aurora auto insurance rates, and Chicago auto insurance rates before you read more about the cost of auto insurance in Paxton.
Don’t buy Paxton, IL auto insurance until you’ve compared rates. Get free Paxton, Illinois auto insurance quotes when you enter your ZIP code above.
Paxton, IL Minimum Auto Insurance Requirements
The required auto insurance in Paxton, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Paxton, 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 Paxton, IL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Paxton, IL. Take a look at Paxton, Illinois auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,883 | $4,234 | $3,699 |
| American Family | $4,386 | $2,993 | $2,535 |
| Farmers | $4,594 | $3,858 | $3,670 |
| Geico | $3,690 | $1,812 | $1,417 |
| Liberty Mutual | $3,044 | $1,898 | $1,513 |
| Nationwide | $3,222 | $2,602 | $2,278 |
| Progressive | $3,352 | $2,830 | $2,610 |
| State Farm | $3,046 | $1,824 | $1,414 |
| Travelers | $2,565 | $2,058 | $1,676 |
| USAA | $3,831 | $2,620 | $2,154 |
Buy Cheap Paxton, IL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Paxton, Illinois auto insurance rates? Find out how car insurance rates in Paxton, 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 | $2,953 | $2,967 | $3,074 | $3,074 | $7,561 | $9,833 | $3,547 | $3,833 |
| American Family | $2,052 | $2,052 | $1,882 | $1,882 | $5,824 | $8,052 | $2,052 | $2,643 |
| Farmers | $2,177 | $2,177 | $1,933 | $2,042 | $9,259 | $9,648 | $2,487 | $2,603 |
| Geico | $1,446 | $1,452 | $1,364 | $1,612 | $4,375 | $4,641 | $1,804 | $1,760 |
| Liberty Mutual | $1,338 | $1,445 | $1,114 | $1,246 | $4,353 | $4,844 | $1,398 | $1,477 |
| Nationwide | $1,726 | $1,758 | $1,536 | $1,628 | $4,722 | $6,058 | $2,007 | $2,173 |
| Progressive | $1,708 | $1,611 | $1,406 | $1,479 | $6,148 | $6,886 | $2,027 | $2,181 |
| State Farm | $1,319 | $1,319 | $1,177 | $1,177 | $3,773 | $4,783 | $1,491 | $1,716 |
| Travelers | $1,354 | $1,427 | $1,231 | $1,311 | $3,801 | $4,734 | $1,434 | $1,509 |
| USAA | $1,719 | $1,765 | $1,598 | $1,592 | $5,442 | $6,030 | $2,275 | $2,525 |
Buy Cheap Paxton, IL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Paxton can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Paxton, IL are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,561 | $9,833 |
| American Family | $5,824 | $8,052 |
| Farmers | $9,259 | $9,648 |
| Geico | $4,375 | $4,641 |
| Liberty Mutual | $4,353 | $4,844 |
| Nationwide | $4,722 | $6,058 |
| Progressive | $6,148 | $6,886 |
| State Farm | $3,773 | $4,783 |
| Travelers | $3,801 | $4,734 |
| USAA | $5,442 | $6,030 |
Buy Cheap Paxton, IL Auto Insurance for Seniors
You can save on senior auto insurance rates in Paxton, Illinois by comparing Paxton senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Paxton, IL here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,074 | $3,074 |
| American Family | $1,882 | $1,882 |
| Farmers | $1,933 | $2,042 |
| Geico | $1,364 | $1,612 |
| Liberty Mutual | $1,114 | $1,246 |
| Nationwide | $1,536 | $1,628 |
| Progressive | $1,406 | $1,479 |
| State Farm | $1,177 | $1,177 |
| Travelers | $1,231 | $1,311 |
| USAA | $1,598 | $1,592 |
Find Cheap Auto Insurance Rates in Paxton, IL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Paxton, Illinois auto insurance. Compare Paxton, IL auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,473 | $4,601 | $4,742 |
| American Family | $3,165 | $3,426 | $3,323 |
| Farmers | $3,850 | $3,949 | $4,324 |
| Geico | $2,131 | $2,300 | $2,489 |
| Liberty Mutual | $2,028 | $2,147 | $2,281 |
| Nationwide | $2,706 | $2,719 | $2,678 |
| Progressive | $2,682 | $2,911 | $3,199 |
| State Farm | $1,986 | $2,098 | $2,199 |
| Travelers | $1,979 | $2,097 | $2,223 |
| USAA | $2,681 | $2,865 | $3,059 |
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Find Cheap Paxton, IL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Paxton. Compare auto insurance rates in Paxton, 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 | $4,605 | $4,605 |
| American Family | $3,263 | $3,347 |
| Farmers | $4,041 | $4,041 |
| Geico | $2,263 | $2,351 |
| Liberty Mutual | $2,152 | $2,152 |
| Nationwide | $2,701 | $2,701 |
| Progressive | $2,931 | $2,931 |
| State Farm | $2,042 | $2,147 |
| Travelers | $2,019 | $2,181 |
| USAA | $2,787 | $2,949 |
Find Cheap Paxton, IL Auto Insurance Rates by Driving Record
Auto insurance rates in Paxton, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Paxton, IL, take a look at the average cost for various violations versus rates for a clean driving record in Paxton.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,330 | $5,570 | $5,187 | $4,334 |
| American Family | $2,427 | $3,466 | $4,574 | $2,752 |
| Farmers | $3,413 | $4,397 | $4,287 | $4,067 |
| Geico | $1,699 | $2,266 | $3,141 | $2,121 |
| Liberty Mutual | $1,796 | $2,540 | $2,236 | $2,036 |
| Nationwide | $2,179 | $2,816 | $3,308 | $2,500 |
| Progressive | $2,419 | $3,576 | $2,678 | $3,051 |
| State Farm | $1,915 | $2,274 | $2,095 | $2,095 |
| Travelers | $1,679 | $2,189 | $2,433 | $2,099 |
| USAA | $2,050 | $2,931 | $4,024 | $2,468 |
Find Cheap Paxton, IL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Paxton, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Paxton for less when you shop around and compare rates from multiple Paxton, IL auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,187 |
| American Family | $4,574 |
| Farmers | $4,287 |
| Geico | $3,141 |
| Liberty Mutual | $2,236 |
| Nationwide | $3,308 |
| Progressive | $2,678 |
| State Farm | $2,095 |
| Travelers | $2,433 |
| USAA | $4,024 |
Winners by Category: Where to Buy Cheap Auto Insurance in Paxton, IL
Compare rates from the cheapest auto insurance companies in Paxton, IL for your needs. Take a look at how Paxton, Illinois auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Travelers |
| Seniors | State Farm |
| Clean Record | Travelers |
| With 1 Accident | Travelers |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Liberty Mutual |
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Find Cheap Paxton, Illinois Auto Insurance Companies
If you’re looking for the cheapest Paxton, IL auto insurance companies overall, you can compare them here. Find the best price for Paxton, Illinois car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,605 |
| American Family | $3,305 |
| Farmers | $4,041 |
| Geico | $2,307 |
| Liberty Mutual | $2,152 |
| Nationwide | $2,701 |
| Progressive | $2,931 |
| State Farm | $2,095 |
| Travelers | $2,100 |
| USAA | $2,868 |
What affects Paxton, Illinois auto insurance rates?
Local factors affect auto insurance rates in Paxton, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Paxton auto insurance rates.
Commute Times in Paxton
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Paxton, IL is 18.0 minutes according to City-Data.
Compare Auto Insurance Quotes in Paxton, IL
You can buy cheap Paxton, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Paxton, Illinois auto insurance quotes from top companies.
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Frequently Asked Questions
What factors should I consider when looking for cheap auto insurance in Paxton, IL?
When searching for cheap auto insurance in Paxton, IL, consider the following factors:
- Coverage options: Make sure the policy covers your specific needs, such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- Deductibles: Opting for higher deductibles can lower your premium, but remember that you’ll be responsible for paying that amount out of pocket in case of a claim.
- Discounts: Inquire about any available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features on your vehicle.
- Customer reviews and reputation: Research the insurance company’s reputation for customer service, claims handling, and financial stability.
How can I find cheap auto insurance in Paxton, IL?
Here are some ways to find affordable auto insurance in Paxton, IL:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Bundle policies: Consider combining your auto insurance with other policies, such as homeowners or renters insurance, to qualify for multi-policy discounts.
- Maintain a good driving record: Safe driving can help you qualify for discounts and keep your premiums lower.
- Improve your credit score: In some states, insurance companies use credit-based insurance scores to determine rates. Maintaining good credit can potentially lead to lower premiums.
Are there any disadvantages to buying cheap auto insurance?
Yes, there are some potential disadvantages to consider when buying cheap auto insurance:
- Limited coverage: Cheaper policies may offer less coverage or have higher deductibles, meaning you may have to pay more out of pocket in case of an accident or damage.
- Customer service quality: Some budget insurance providers may not offer the same level of customer service or claims support as larger, more established companies.
- Higher risk: Cheap insurance providers may attract high-risk drivers, leading to potential increases in premiums for all policyholders or limited coverage options.
What are the advantages of buying cheap auto insurance?
There are a few advantages to buying cheap auto insurance:
- Cost savings: The primary advantage is the potential cost savings on your insurance premiums.
- Compliance with legal requirements: Even cheap insurance can provide the minimum coverage required by law, allowing you to drive legally.
- Flexibility: Cheap insurance policies often have flexible payment options and offer customizable coverage to fit your needs and budget.
Will buying cheap auto insurance affect the quality of repairs or claim handling?
The quality of repairs and claim handling can vary depending on the insurance provider. While some budget insurance companies may provide satisfactory claim handling and repair services, others may prioritize cost-cutting measures that could potentially impact the quality of repairs. It’s important to research and read reviews about the specific insurance company’s claims process and customer experiences before making a decision.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
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.