Best Auto Insurance Rates in Moline, Illinois

On average your neighbors pay $67 a month.

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With a population of around 43,500, Moline is the ninth most populous city in Illinois. A part of the Quad Cities metropolis that also includes Rock Island, Illinois, as well as Davenport and Bettendorf in Iowa. Combined, the area serves as the home base for 380,000 people.

That means a lot people in and around Moline are on the road at any point in time. This kind of traffic can cause and increase in your car insurance premium. To keep them low, shop around for the cheapest rates.

Average Moline Car Insurance Rates

How much is car insurance in Moline, IL? Rates here can be expensive. Many drivers pay higher premiums than the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on your driving record, the type of car you drive, your coverage limits, and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

Let QuoteWizard help with this. We connect consumers to national insurance companies and local agents so they can compare quotes. Comparing quotes can help you find cheap car insurance rates near Moline, Illinois and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare auto insurance quotes in Moline, IL from multiple companies.

Best Car Insurance Companies in Moline, IL

This is our list of the most common car insurance companies reported by many QuoteWizard users in Moline, Illinois, last year.

Top 10 Vehicles in Moline

These are the most common car makes and models owned by Moline, IL drivers who requested quotes through QuoteWizard last year.

  1. Ford Focus SE
  2. Chevrolet Impala LS/LT
  3. Honda Accord LX
  4. Chevrolet Blazer
  5. Chevrolet Cavalier
  6. Toyota Camry SE/LE/XLE
  7. Nissan Altima 2.5 S
  8. Honda CR-V EX
  9. Ford Ranger
  10. GMC Sierra C1500
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Moline, IL

Moline, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most an insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Moline insurance rates.

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Moline, IL tends to have long, hot summers and little to no dry season. Still, weather conditions that can affect your driving, like rain and snow, are common. On average, residents see around 115 days with measurable precipitation annually. Also, they have to deal with 37 inches of rainfall and 33 inches of snowfall in an average year.

Road Conditions

According to, 67 percent of the major roads in Illinois are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion or $540 per motorist in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

If you need to report a pothole in Moline, call the Pothole Hotline at 309-524-2407 or fill out a request online.  

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The Winnebago County Clerk of the Circuit Courts website allows residents to pay traffic tickets and review information related to resolving tickets.

Drunk Driving Arrests

According to AAIM, 278 drivers were arrested for driving under the influence (DUI) in Winnebago County in 2015.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Moline DUI insurance.

Vehicle Theft Rates

The City of Moline reported 19 motor vehicle thefts in 2015. That’s a low theft rate of 0.45 per 1,000 residents. This is much lower than the national average theft rate of 2.16 per 1,000 people.

Car Insurance Discounts in Moline

Discounts are one of the best ways to lower your insurance rates. These are some of the auto discounts available to drivers in Moline, IL depending on what's offered by your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  2. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  3. Maintain at least a B grade point average in school to qualify for the good student discount
  4. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  7. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  10. Shop around and compare low-cost Moline car insurance quotes

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