Buy Cheap Carmi, IL Auto Insurance in 2024
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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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
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 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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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Frequently Asked Questions
What factors can affect the cost of car insurance in Carmi, IL?
Several factors can influence the cost of car insurance in Carmi, IL. These include your age, driving record, the make and model of your vehicle, your credit history, and the coverage options you choose. Additionally, factors such as your location, annual mileage, and whether you have any previous claims can also impact the cost of your car insurance.
How can I find cheap car insurance in Carmi, IL?
To find cheap car insurance in Carmi, IL, you can follow these steps:
- Shop around: Compare quotes from multiple insurance providers to find the most affordable options.
- Maintain a clean driving record: Having a good driving record with no accidents or traffic violations can help you secure lower insurance premiums.
- Opt for higher deductibles: Choosing higher deductibles can lower your premium, but make sure you can afford the deductible in case of an accident.
- Bundle policies: If you have multiple insurance needs, consider bundling your car insurance with other policies, such as homeowners or renters insurance, as it may lead to discounts.
- Inquire about discounts: Ask insurance providers about any available discounts for which you may qualify, such as safe driver discounts or discounts for certain safety features in your car.
Are there any specific coverage options I should consider to keep costs low?
Yes, there are a few coverage options you can consider to keep costs low:
- Liability coverage: This is the minimum coverage required by law and typically costs less than comprehensive or collision coverage. However, keep in mind that liability coverage only pays for damages to other parties involved in an accident, not your own vehicle.
- Higher deductibles: Opting for higher deductibles can help reduce your premium. Just remember that you’ll be responsible for paying the deductible amount out of pocket if you file a claim.
- Removing unnecessary coverage: If you have an older vehicle with a low market value, you may consider dropping collision or comprehensive coverage to save money. However, assess the risks and your financial situation before making this decision.
Are there any discounts available for cheap car insurance in Carmi, IL?
Yes, many insurance providers offer various discounts that can help lower your car insurance premiums. Some common discounts include:
- Good driver discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a good driver discount.
- Safe vehicle discount: If your car has certain safety features, such as anti-lock brakes, airbags, or anti-theft devices, you may be eligible for a discount.
- Bundling discount: If you have multiple insurance policies with the same provider, such as car and home insurance, you may qualify for a bundling discount.
- Low mileage discount: If you don’t drive a lot, some insurance companies offer discounts for low mileage.
- Good student discount: If you’re a student with good grades, you may be eligible for a discount.
Should I sacrifice coverage for a cheaper premium?
It’s essential to strike a balance between cost and coverage. While finding cheap car insurance is important, it’s crucial to ensure that you have adequate coverage to protect yourself financially in the event of an accident or damage to your vehicle. Consider your budget, personal circumstances, and the value of your car when deciding on coverage options. Remember, inadequate coverage may leave you vulnerable to significant expenses in the future.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed 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.