Cheapest car insurance in Mattoon, Illinois (May 2024)

Best car insurance companies in Mattoon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Mattoon

Cheap minimum liability insurance quotes in Mattoon

$25,000 of
bodily injury liability
coverage per person
$50,000 of bodily injury liability coverage per accident
$20,000 of
property damage liability
coverage per accident
$25,000 of UM/UIM bodily injury coverage per person
$50,000 of UM/UIM bodily injury coverage per accident

Progressive

Steve (27 years old)

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Hyundai Santa FE SE

$156

per month

National General

Jesse (21 years old)

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Dodge Challenger R/T

$110

per month

Clearcover

Leah (29 years old)

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Ford Fiesta S

$60

per month

Mercury

Andrew (48 years old)

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Hyundai Elantra SE

$74

per month

The General

Lida (39 years old)

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Hyundai Santa FE Limited

$66

per month

Do you need more than minimum coverage in Mattoon?

Cheap full coverage car insurance quotes in Mattoon

Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object. 
Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$156	Lizzie, 27 Zip: 61938	Hyundai Santa FE SE
• State Minimum Liability • Comp / Collision	Gainsco	$210	Elnora, 33 Zip: 61938	Toyota Camry LE
• State Minimum Liability • Comp / Collision	Bristol West	$176	Susan, 23 Zip: 61938	Ford Focus SE
• State Minimum Liability • Comp / Collision	Electric	$118	Mollie, 29 Zip: 61938	Ford Fiesta S

Last Updated May 1, 2024

Average cost of car insurance in Mattoon

Car insurance quotes in Mattoon by rating factors 

Your driving record and claims history: Accidents and tickets will increase your insurance rates.
Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

Cheap car insurance quotes in Mattoon after driving violations

Cheapest car insurance in Mattoon after speeding ticket

Even a single

Illinois speeding ticket

can raise your insurance rates by an average of about 33%. Generally, most drivers with a speeding ticket in Illinois see their rates climb from an average of $1,980 per year to $2,633 annually. If you have multiple speeding tickets or you were ticketed for going well above the speed limit, your rates could go up even more.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 16-20	National General	$232	Jane, 25 Zip: 61938	RAM 1500 Longhorn	• State Minimum Liability • Comp / Collision
Speeding 21+	Progressive	$156	Elva, 27 Zip: 61938	Hyundai Santa FE SE	• State Minimum Liability • Comp / Collision

Last Updated May 1, 2024

Cheapest car insurance in Mattoon after DUI

If you’re charged with a

DUI in Illinois

, you could face consequences including:

Fine of up to $2,500
Jail sentence of up to one year
Driver’s license suspension of at least one year
Community service sentence of up to 100 hours

The penalties become more severe for subsequent DUI offenses. 

On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry may still be able to help.

Nationwide

Calvin (39 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Mattoon, IL
(Zip Code: 61938)

Buick Riviera

$77

per month

AAA

Corey (36 years old)

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Mazda Speed

$53

per month

Cheapest car insurance in Mattoon after an at-fault accident

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With No Injury	Progressive	$156	Abbie, 27 Zip: 61938	Hyundai Santa FE SE	• State Minimum Liability • Comp / Collision
Not At Fault	Bristol West	$91	Lucinda, 49 Zip: 61938	Ford F150	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Safeco	$118	Christina, 29 Zip: 61938	Ford Fiesta S	• State Minimum Liability • Comp / Collision

Last Updated May 1, 2024

Cheap car insurance quotes in Mattoon by age

Cheapest car insurance in Mattoon for young drivers

Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group. Generally, Mattoon drivers aged 21 and under pay an average of $191 a month for a full coverage policy, and $122 a month for the state minimum.

The best way to keep costs low for

young drivers

is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Calumet Park.

Progressive

Maggie (20 years old)

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Jeep Wrangler Unlimited Sport

$151

per month

Dairyland

Sophie (23 years old)

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Ford Focus SE

$215

per month

Cheapest car insurance in Mattoon for senior drivers

Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.

Typically, senior drivers between the ages of 55 and 64 pay an average of $145 a month for full coverage.

To find the

best senior car insurance

, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.

With Jerry, not only can you safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process.

Safeco

Alice (67 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Mattoon, IL
(Zip Code: 61938)

Jeep Comanche

$78

per month

AAA

Francis (75 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Mattoon, IL
(Zip Code: 61938)

Lexus LS

$63

per month

Cheap car insurance quotes in Mattoon based on insurance history

Progressive

Harry (27 years old)

Currently Insured

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Hyundai Santa FE SE

$156

per month

Safeco

Milton (23 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Mattoon, IL
(Zip Code: 61938)

Ford F250 Super Duty

$136

per month

National General

Roxie (20 years old)

Currently Insured

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Jeep Wrangler Unlimited Sport

$251

per month

Bristol West

Andre (23 years old)

Currently Insured

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Ford Focus SE

$176

per month

Gainsco

Genevieve (33 years old)

Currently Insured

Coverage

State Minimum

Mattoon, IL
(Zip Code: 61938)

Toyota Camry LE

$210

per month

Cheap car insurance quotes in Mattoon for popular cars

How to lower car insurance costs in Mattoon

1. Shop around and compare quotes

 2. Hunt for car insurance discounts

Good drivers. If you’ve held a
clean driving record
for at least three years, you’re due for some sweet discounts.
Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
Insurance bundlers.
Bundle your car and home insurance
and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

Why is car insurance in Mattoon so expensive?

Congestion: Because driving in Mattoon incurs a higher risk of dents, dings, and cracked windows than driving in the countryside, insurance rates are higher, too.
Motor vehicle theft: Similar to congestion, high motor vehicle theft rates in Mattoon lead insurance providers to increase your premiums.
Fatality rates: Around one quarter of the fatal
car crashes in Illinois in 2021
happened on urban roads. Because of the high costs associated with motor vehicle fatalities, Mattoon drivers pay higher rates.