Cheapest Auto Insurance in Decatur, Illinois (2024)

Auto-Owners has the cheapest liability-only car insurance rates in Decatur, at $24 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated March 26, 2024

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Situated along the Sangamon River and Lake Decatur in Macon County, Decatur is known for its year-round water activities such as swimming, fishing, and water skiing. It’s less populated and has fewer car thefts than other nearby Illinois cities.[1] This could be why Decatur’s average car insurance rates are cheaper than the national average and similar to Illinois’ average rates.

The average cost of car insurance in Decatur is $71 per month for liability only and $146 per month for full coverage.

Quick Facts
  • Auto-Owners, State Farm, and GEICO are the cheapest insurers for liability insurance in Decatur, based on Insurify data.

  • If you’re having trouble locking in car insurance coverage because of a poor driving history, the Illinois Automobile Insurance Plan (ILAIP) can help.

  • Infrequent drivers in Decatur can find cheap rates with Mile Auto.

Cheapest car insurance companies in Decatur

If you’re looking for the cheapest car insurance in Decatur, consider your budget, driving record, and car insurance coverage needs. It’s a good idea to compare multiple auto insurance companies simultaneously to see where you can get a good deal.

To make your search for the right coverage a bit easier, here are some of the best car insurance companies in Decatur and why they stand out.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Mile Auto3.5$68$48Low-mileage drivers
USAA4.5$85$50Military members and veterans
State Farm4.5$52$31Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$57/mo

Around 20% of Decatur’s population is made up of seniors who may only drive on an occasional basis. Senior drivers and people working primarily from home may land cheap coverage through Mile Auto. Mile Auto specializes in pay-per-mile insurance and can save you money if you don’t drive often.

Pros
  • Affordable pay-per-mile policies

  • Doesn’t use vehicle-tracking devices

Cons
  • No mobile app available

  • Limited coverage options

Best insurer for military members and veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$70/mo

According to a 20172021 U.S. Census Bureau estimate, more than 4,000 veterans call Decatur home. Veterans and military members in the area can find cheap car insurance rates with USAA. The company specifically serves the military community with auto insurance and other insurance products and financial services.

Pros
  • Offers a usage-based car insurance program

  • High J.D. Power customer satisfaction rating in the North Central region

Cons
  • Restrictive membership requirements

  • Gap insurance not available

Roy - March 21, 2024
Verified

My Review

USAA is the best.

Gary - March 18, 2024
Verified

Poor

Too darn high.

Gabrielle - March 16, 2024
Verified

Just Don't! Save Yourself!

Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
Read our USAA review

Best insurer for young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$26/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$43/mo

Decatur is home to many students from Millikin University and Richland Community College. State Farm offers a variety of discounts for these types of drivers, like a good student discount and driver training discount. These discounts can help students and young drivers save money on car insurance in Decatur.

Pros
  • Discounts available for teens and young drivers

  • Rental car and travel expenses coverage available

Cons
  • Doesn’t offer gap insurance

  • Can’t purchase car insurance online

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review

How to get the cheapest car insurance in Decatur

It’s not only important to do your research before buying a policy, but it’s important to take steps to get the cheapest rates possible for you.

Here are some tips to help you find the best car insurance coverage and cheapest Decatur car insurance rates:

  • Shop around. Get quotes from at least three car insurers to zero in on the right policy for your unique situation. Compare different rates, coverage options, and company reviews. You can use an independent insurance agent in Decatur or an online quote-comparison platform.

  • Look for discounts. Most car insurance agencies offer discounts that can lower the cost of your auto policy and help you secure the best insurance. The good student discount, loyalty discount, and anti-theft device discount are some popular discounts.

  • Bundle insurance. If you pair your auto insurance with homeowners insurance, renters insurance, or life insurance with the same company, you can usually save some money on your car insurance costs.

  • Consider usage-based insurance. Usage-based insurance is worth exploring if you’re an infrequent driver. You’ll only pay for the miles you drive plus a monthly base rate.

Find Cheap Car Insurance in Decatur, Illinois

Liability quotes start at $24 per month

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Cheapest liability-only car insurance in Decatur: Auto-Owners

To drive legally in Decatur and other cities in Illinois, you must purchase at least liability car insurance, which helps pay for the other party’s property damage and medical expenses after an at-fault accident.

Compared to other types of car insurance, liability coverage tends to be the cheapest. The most affordable car insurer for a liability-only policy in Decatur is Auto-Owners, at $24 per month.

The table below shows the cheapest car insurance companies for liability-only coverage in Decatur.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners24
State Farm26
GEICO34
Hugo34
COUNTRY Financial36
Erie39
Mile Auto40
USAA43
American Family46
Safeco49
Mercury50
Clearcover54
Nationwide54
Travelers58
Farmers62
Direct Auto63
Allstate64
Midvale Home & Auto69
State Auto69
GAINSCO73
Elephant75
Dairyland77
The General80
Liberty Mutual81
Bristol West89
Foremost115
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Decatur: Auto-Owners

Full-coverage car insurance is typically optional in Decatur and usually consists of liability, collision, and comprehensive coverages. It can provide you with additional protection and peace of mind for vehicle damages in various situations. Also, if you have a loan or lease on your vehicle, your lender will likely require it.

The average cost of full-coverage car insurance in Decatur is $146 per month. The table below shows the lowest rates for full-coverage auto insurance policies in Decatur.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners40
State Farm43
Mile Auto57
GEICO58
COUNTRY Financial60
Erie66
Hugo68
USAA70
American Family75
Mercury83
Clearcover87
Safeco90
Travelers90
Nationwide93
Farmers102
Allstate107
Midvale Home & Auto113
Direct Auto123
Liberty Mutual130
State Auto135
Elephant136
GAINSCO160
Dairyland204
The General209
Bristol West214
Foremost261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Illinois

Because Illinois is an at-fault — or tort — state, you have to cover the property damage and injury costs of the other driver and passengers if you’re responsible for a car accident. After you purchase at least the minimum-required liability insurance, be sure to keep your policy handy while you drive. Otherwise, you might face legal and financial consequences for not showing proof of insurance.

Here are the car insurance requirements in Illinois:[2]

CoverageMinimum Requirements
Bodily injury liability$20,000 per person / $50,000 per accident 
Property damage liability$20,000 per accident
Uninsured motorist bodily injury coverage$20,000 per person / $50,000 per accident

You might want to go beyond the minimum Illinois car insurance requirements and purchase additional coverage that can protect you in certain situations.

Here are a few insurance coverages to consider:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damages to your vehicle from fire, theft, and other non-collision events.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair or replace your vehicle if you hit another driver’s vehicle or stationary object, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap coverage pays for the difference between your auto loan balance and the insurance settlement in case of a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance can be helpful if your vehicle suddenly breaks down and you need help. It covers towing, tire changes, dead-battery jumps, and other related issues.

Illinois Automobile Insurance Plan

illustration card https://a.storyblok.com/f/162273/150x150/e6724dbabb/states_illinois.svg

ILAIP

The Illinois Automobile Insurance Plan (ILAIP) offers car insurance to drivers who wouldn’t be able to purchase it otherwise. It might be an option if you’ve been denied coverage because of a violation on your record, like driving under the influence (DUI) or driving without insurance.

To get approved for an auto policy under ILAIP, you’ll need to prove you’ve had no success qualifying for coverage elsewhere within the past 60 days.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUI convictions are a few examples of incidents that can increase car insurance premiums. Auto insurance companies consider drivers with these types of incidents on their driving records as high-risk drivers and, in turn, charge more to mitigate the risk. The best way to avoid costly premiums and lock in the lowest price is to maintain a clean record.

Here are the average car insurance quotes in Decatur based on driving history.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Illinois takes speeding seriously. The state police measure driver speed through a variety of devices, like hand-held radar, moving radar, and pacing devices.[3] Because speeding can make it a challenge to react safely and avoid an accident, Decatur drivers who speed typically face higher car insurance rates.

The average cost of car insurance for drivers with a speeding ticket in Decatur is $104 per month for liability insurance.

Here are the cheapest auto insurers in Decatur for drivers with a speeding ticket.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2432
State Farm2633
GEICO3444
Hugo3449
COUNTRY Financial3648
Erie3956
Mile Auto4059
USAA4356
American Family4661
Safeco4970
Mercury5075
Clearcover5476
Nationwide5471
Travelers5877
Farmers6281
Direct Auto6385
Allstate6483
GAINSCO7393
Elephant7599
Dairyland77104
The General80108
Liberty Mutual81114
Bristol West89118
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

After a serious or fatal accident, the City of Decatur Police Department turns to the Fatal Accident Investigation Team (FAIT) to perform an investigation. If you cause an accident in the city, car insurance companies will likely consider you a high-risk driver and charge you higher premiums as a result.

Decatur drivers with an accident on their records pay an average of $108 per month for liability car insurance.

Here’s a look at the most affordable insurance for Decatur drivers with at-fault accidents on their records.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2433
State Farm2635
GEICO3447
Hugo3447
COUNTRY Financial3651
Erie3957
Mile Auto4063
USAA4359
American Family4664
Safeco4974
Mercury5078
Clearcover5488
Nationwide5475
Travelers5881
Farmers6285
Direct Auto6390
Allstate6488
State Auto69104
GAINSCO7399
Elephant75104
Dairyland77108
The General80113
Liberty Mutual81119
Bristol West89122
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

In 2021, the Illinois Secretary of State recorded more than 21,000 DUI arrests.[4] A DUI conviction in Illinois usually leads to fines, jail time, and a license suspension.

To reinstate your license after a DUI, you may also need to file an SR-22 insurance form with the state, per the state of Illinois, and can expect higher premiums or difficulty securing coverage.

Drivers with DUIs pay an average of $122 per month for car insurance in Decatur. This table shows the cheapest car insurance companies for drivers with a DUI in Decatur.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2439
State Farm2642
GEICO3456
Hugo3452
COUNTRY Financial3659
Erie3958
Mile Auto4065
USAA4370
American Family4675
Safeco4980
Mercury5084
Clearcover5488
Nationwide5488
Travelers5895
Farmers62101
Direct Auto63103
Allstate64105
State Auto69113
GAINSCO73119
Elephant75123
Dairyland77126
The General80131
Liberty Mutual81132
Bristol West89145
Foremost115188
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Age-related physical and mental impairments can make it more difficult for seniors in Decatur to drive safely and avoid accidents.[5] That’s why average premiums usually decrease around age 35 and pick back up again around age 70.

Senior drivers in Decatur pay an average of $49 per month for car insurance, but here are the cheapest car insurance companies in the city.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1729
State Farm1830
GEICO2542
COUNTRY Financial2745
Erie2746
Mile Auto2840
USAA3251
American Family3354
Mercury3762
Nationwide3764
Safeco3871
Travelers4265
Direct Auto4587
Farmers4573
Allstate4779
Clearcover4775
Elephant5498
GAINSCO55121
Dairyland57152
Liberty Mutual6198
The General61159
Bristol West66158
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Compared to older drivers, teens and young drivers have less driving experience and limited knowledge. For this reason, car insurance companies usually charge them higher rates. 

To save on an auto policy, teens can stay on their parents’ insurance or lock in student-specific discounts. In Decatur, teen drivers pay an average of $124 per month for car insurance.

Here’s a look at the average monthly car insurance quotes for young adults and teen drivers in Decatur.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4066
State Farm4473
COUNTRY Financial5184
GEICO5390
Hugo61121
USAA70114
Erie71119
Mile Auto76108
American Family77126
Safeco87160
Mercury91152
Nationwide91157
Clearcover96154
Travelers103161
Farmers107176
Allstate111186
Direct Auto114223
State Auto122239
Elephant123223
Dairyland124328
The General126330
GAINSCO130285
Liberty Mutual136218
Bristol West146352
Foremost204463
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Decatur car insurance quotes by credit tier

Insurance companies believe that drivers with good to excellent credit are less risky and usually file fewer claims than drivers with poor credit. Because of this, some car insurers consider credit scores to help them determine premiums.

While some states ban the use of credit scores in determining premiums, Illinois allows companies to do so.[6] The chart below shows that Decatur drivers with excellent credit pay $100 per month, on average, while drivers with poor credit pay an average of $178 per month.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Decatur?

Overall car insurance premiums for Decatur drivers are cheaper than the national average of $157 per month.

Rates can vary by ZIP code and city within Illinois due to factors like population, crime rates, weather conditions, and the number of uninsured drivers.[7] For example, Chicago has notoriously expensive car insurance premiums, especially compared to smaller cities like Decatur.

More cities in Illinois

Here’s a look at the average quotes for coverage in other Illinois cities compared to Decatur.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Aurora$77$178
Berwyn$78$180
Chicago$92$219
Cicero$83$216
Elgin$79$156
Joliet$76$165
Naperville$73$163
Peoria$77$176
Rockford$72$153
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Decatur car insurance FAQs

Read Insurify’s guide on how much coverage you need, and check out the answers to frequently asked questions about car insurance in Decatur.

  • How much is car insurance in Decatur?

    The average cost of car insurance in Decatur is $71 per month for liability only and $146 per month for full coverage.

  • Which company has the cheapest car insurance in Decatur?

    Auto-Owners, State Farm, and GEICO are the cheapest insurers for liability insurance in Decatur, with rates of $24, $26, and $34, per month, respectively.

    However, the best way to find the lowest rates for your situation is to compare quotes with at least three insurance companies and see which one can offer you the best deal for car insurance.

  • What are the best car insurance companies in Decatur?

    Some of Decatur’s best car insurance companies are Mile Auto, State Farm, and USAA. These companies have solid car insurance coverage offerings, good customer satisfaction ratings, and strong AM Best financial strength ratings.

  • How much does car insurance cost per month in Illinois?

    The average cost of car insurance in Illinois is $78 per month for liability coverage and $179 per month for full coverage.

  • What are the minimum car insurance requirements in Illinois?

    Illinois requires 20/50/20 minimum car insurance coverage. This translates to $20,000 per person and $50,000 per accident for bodily injury liability coverage and $20,000 per accident for property damage liability coverage. Illinois also requires uninsured motorist bodily injury coverage for the same limits.[2]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Federal Bureau of Investigation. "Crime Data Explorer." Accessed October 10, 2023
  2. Illinois Secretary of State. "Mandatory Vehicle Insurance." Accessed October 10, 2023
  3. Illinois State Police. "Traffic and Safety." Accessed October 10, 2023
  4. Illinois Secretary of State. "2023 Illinois DUI Fact Book." Accessed October 10, 2023
  5. III. "Senior driving safety and insurance tips." Accessed October 10, 2023
  6. Illinois Department of Insurance. "Credit: How Insurers Use It." Accessed October 10, 2023
  7. III. "What determines the price of an auto insurance policy?." Accessed October 10, 2023
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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