On average, auto insurance in Normal costs about $91 per month for minimum coverage liability insurance and about $159 per month for full coverage insurance. Normal drivers pay 37% less than the

Illinois

average.

Finding

cheap car insurance in Illinois

can be Ill-annoying!—sorry, I’ll show myself out. Lame jokes aside, if there was a single best car insurance company in Normal, everyone would have heard of it by now.

The truth is that the best auto insurance policy varies from driver to driver, and you need to compare tons of quotes to find the coverage and the price you want.

The bonus truth is that

Jerry

makes it easy to find and compare

cheap car insurance

quotes for free. All it takes is 45 seconds to sign up and less than a minute to receive the five to seven most competitive offers in your area. So skip the stress of shopping and go straight to the savings!

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 16, 2023	Clearcover	$107	Jeff, 33 Zip: 61761	Mitsubishi Outlander SE	• State Minimum Liability • Comp / Collision
September 9, 2023	Bristol West	$97	Elizabeth, 25 Zip: 61761	Ford Taurus SEL	• State Minimum Liability
September 8, 2023	Progressive	$71	Caroline, 22 Zip: 61761	Saturn ION Level 3	• State Minimum Liability
September 5, 2023	Mercury	$70	Edna, 27 Zip: 61761	Dodge Dakota	• State Minimum Liability

Last Updated Sep 23, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Normal

If you wanted to find the best rates in Normal, you'd have to compare hundreds of insurance providers and thousands of coverage options...but we've done all the research for you!

To discover the best of the best, Jerry conducted one of the nation's largest shopping surveys.

We found that

State Farm

Allstate

, Country Insurance,

Travelers

, and Assurant held the biggest market shares in Illinois.

However, they didn’t necessarily earn the highest ratings. Because every car insurance provider calculates premiums differently, the best insurance policy varies from driver to driver.

You’ll have to compare quotes from at least three companies while shopping for auto insurance to find what works for you.

The table below shows how drivers in Normal rate different companies on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Progressive	4.4	3.9	4.1	4.4
Allstate	4.4	3.6	4.2	4.7
Liberty Mutual	4.2	4	N/A	4.2
State Farm	3.9	3.7	2.8	4.1
Geico	3.7	2.9	4.2	3.7

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 Normal

Illinois car insurance laws

require every driver—including those in Normal—to carry

liability car insurance

and

Uninsured Motorist/Underinsured Motorist (UM/UIM) bodily injury coverage

Liability insurance covers the costs of treating anyone you injure in an at-fault accident and repairing (or replacing) any property you damage. However, UM/UIM bodily injury coverage covers the medical expenses of you and your passengers if they exceed the at-fault driver’s coverage limits.

Cheap minimum liability insurance quotes in Normal

The minimum liability coverage requirements in Normal, Illinois, follow a 25/50/20 (plus 25/50) rule.

To put it simply, you'll need a policy that covers at least:

$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

By sticking with the minimum required liability coverage, you’ll probably pay the lowest rates. Jerry helps Normal drivers find low rates for no-frills coverage.

Progressive

Caroline (22 years old)

Coverage

State Minimum

Normal, IL (Zip Code: 61761)

Saturn ION Level 3

$71

per month

Gainsco

Amanda (32 years old)

Coverage

State Minimum

Normal, IL (Zip Code: 61761)

Nissan Altima

$94

per month

Clearcover

Jeff (33 years old)

Coverage

State Minimum

Normal, IL (Zip Code: 61761)

Mitsubishi Outlander SE

$107

per month

Electric

Jeanette (25 years old)

Coverage

State Minimum

Normal, IL (Zip Code: 61761)

Ford Taurus SEL

$81

per month

Do you need more than minimum coverage in Normal?

In Normal, drivers should consider topping up their liability coverage beyond the state's minimum requirement of 25/50/20.

The state minimum coverage requirements provide a lot of protection, but medical and repair bills tend to add up.

If you cause a car accident and the injured party’s expenses exceed your coverage limits, you’ll have to pay the rest out of pocket. They also have the right to sue you in a personal injury lawsuit for up to two years after the accident, according to

Illinois’s car accident laws

The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.

Cheap full coverage car insurance quotes in Normal

Full-coverage car insurance

isn't required by law, but it provides coverage for repairs to (or a replacement of) your vehicles.

A full coverage policy includes

collision coverage

and

comprehensive coverage

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.

If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Normal.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$116	Leona, 30 Zip: 61761	Land Rover Discovery Sport SE
• State Minimum Liability • Comp / Collision	Clearcover	$107	Jeff, 33 Zip: 61761	Mitsubishi Outlander SE
• State Minimum Liability • Comp / Collision	Gainsco	$94	Amanda, 32 Zip: 61761	Nissan Altima
• State Minimum Liability • Comp / Collision	Electric	$81	Jeanette, 25 Zip: 61761	Ford Taurus SEL

Last Updated Sep 23, 2023

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Normal

In helping hundreds of Normal drivers find cheaper rates, we found the average cost for minimum liability coverage to be $91 per month or $1,086 per year.

The average cost for full coverage insurance in Normal is $159 per month or $1,909 per year.

While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors. Car insurance rates are determined by your driver profile, driving record, and claims history, among other things.

Your actual costs could be hundreds of dollars higher than the average—or, if you use a quote-comparison app, hundreds of dollars less.

Compare car insurance costs in other states

Indiana car insurance

Iowa car insurance

Wisconsin car insurance

Missouri car insurance

Michigan car insurance

Kentucky car insurance

Ohio car insurance

Tennessee car insurance

Car insurance quotes in Normal by rating factors

Insurance companies in Normal use many rating factors when

calculating your auto insurance premium

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.

How Do Different Factors Impact Your Car Insurance Costs in Normal?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Normal currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Normal:

Cheap car insurance quotes in Normal after driving violations

Your

Illinois driving record

plays a large role in deciding your car insurance rates. For one, the number of driver violation points on your driver’s license can add quite a few dollars to your monthly premiums.

Some car insurance companies will work with a high-risk driver profile, while others won't, particularly if you received a serious conviction for a DUI or

reckless driving in Illinois

Cheapest car insurance in Normal after an at-fault accident

If you need another reason to keep a

clean driving record

, keep in mind that high-risk drivers pay higher car insurance rates. Even multiple small, at-fault car accidents can add up to a significant price premium.

So if you’re wondering why your rates are so high, first check your

Illinois driving record

—and then download Jerry to compare quotes and find a better plan.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$159	Glen, 32 Zip: 61761	Nissan Altima	• State Minimum Liability • Comp / Collision
Not At Fault	Bristol West	$97	Lettie, 25 Zip: 61761	Ford Taurus SEL	• State Minimum Liability
At Fault With No Injury	Travelers	$180	Susan, 23 Zip: 61761	Toyota Corolla L	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 23, 2023

Cheapest car insurance in Normal after other driving violations

Most traffic violations increase your insurance rates, such as driving without a license, stunt driving, or

reckless driving in Illinois

. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Normal:

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Yield	Progressive	$166	Sylvia, 23 Zip: 61761	Toyota Corolla L	• 100,000/300,000 Liability • Comp / Collision
Failure to Yield	Travelers	$180	Tom, 23 Zip: 61761	Toyota Corolla L	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 20, 2023

Cheap car insurance quotes in Normal by age

Car insurance rates start high, drop, and then rise again. Teen drivers pay more, middle-aged drivers pay less, and senior drivers pay more again—although not as much as when they were new to the road.

If you fall outside the ideal bracket for car insurance savings (25 to 75), here’s what you can do:

Cheapest car insurance in Normal for young drivers

In Normal,

teen drivers pay the highest premiums of any age group because they have the highest chances of getting into a car accident. To find the best

cheap car insurance for young drivers

, add teen drivers to an existing policy or look for good student discount programs.

Jerry makes it easy to find sensible and affordable coverage in Normal for new drivers who want to learn the rules of the road without breaking the bank.

Progressive

Caroline (22 years old)

Coverage

State Minimum

Normal, IL (Zip Code: 61761)

Saturn ION Level 3

$71

per month

Travelers

Carlos (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Normal, IL (Zip Code: 61761)

Toyota Corolla L

$180

per month

Cheap car insurance quotes in Normal based on insurance history

Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a

car insurance lapse can raise your insurance rates

With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Normal.

Progressive

Frederick (22 years old)

Currently Insured

Coverage

State Minimum

Normal, IL (Zip Code: 61761)

Saturn ION Level 3

$71

per month

Travelers

Eleanor (23 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Normal, IL (Zip Code: 61761)

Toyota Corolla L

$180

per month

Gainsco

Jay (32 years old)

Currently Insured

Coverage

State Minimum

Normal, IL (Zip Code: 61761)

Nissan Altima

$94

per month

Mercury

Ophelia (27 years old)

Currently Insured

Coverage

State Minimum

Normal, IL (Zip Code: 61761)

Dodge Dakota

$70

per month

Bristol West

Jackson (23 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Normal, IL (Zip Code: 61761)

Toyota Corolla L

$197

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Needed to make adjustments to my finances and expenses. Saved me money and time

Joann

They have great pricing and coverage!

Christina

Great insurance I've had so far great helpful employees

Sallie

Great coverage for a great price!

Jaime

Cheap car insurance quotes in Normal for drivers with poor credit

Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers in Normal will see their insurance rates increase if their credit score is 550 or less.

Compared to their poor credit counterparts, Normal drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$71	Alex, 22 Zip: 61761	Saturn ION Level 3	• State Minimum Liability
660 - 750	Bristol West	$97	Lettie, 25 Zip: 61761	Ford Taurus SEL	• State Minimum Liability
550 - 659	Gainsco	$94	Ella, 32 Zip: 61761	Nissan Altima	• State Minimum Liability • Comp / Collision

Last Updated Sep 22, 2023

Cheap car insurance quotes in Normal for popular cars

The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and vehicle anti-theft systems costs less to insure. If it’s cheap to repair, then so much the better!

Here are the five most popular models on Normal’s roads:

MORE:

How different kinds of cars affect your car insurance rates

How to lower car insurance costs in Normal

1. Shop around and compare quotes

You can't get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison

shopping for car insurance quotes

every six months.

Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

2. Hunt for car insurance discounts

Getting the right

car insurance discount

can transform a good rate into a great one. You could save by joining a program for:

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

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Normal so expensive?

Congestion: Because driving in Normal 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 Normal 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, Normal drivers pay higher rates.

Learn more:

11 Ways to lower car insurance

FAQ

How much is car insurance in Normal?

People living in Normal pay on average $91 per month – or $1,086 per year – on state-minimum liability coverage. Full coverage in Normal costs on average $159 per month of $1,909 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Normal?

Based on thousands of Normal drivers Jerry has worked with, car insurance in Normal costs an average of $91 per month for state-minimum coverage and $159 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Normal?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Founders, State Auto, and Travelers receive good ratings from Normal drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

What is the minimum car insurance in Normal, Illinois?

The state-minimum car insurance in Normal, Illinois is as follows:

$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$20,000 property damage liability per accident

These coverages are commonly referred to as 25/50/20 coverage.

Additionally, Illinois drivers must also carry at least $25,000 per person / $50,000 per accident in uninsured/underinsured motorist coverage (UM/UIM).

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.