Freeport drivers pay an average of $1,779/year — $8 more than the national average. With 305 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $303/year.
(888) 217-6781Estimated full coverage auto insurance rates for Freeport, IL from top carriers. Rates are adjusted for Freeport's 305 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $673 | $112/mo |
| Progressive | $760 | $127/mo |
| Country Financial | $782 | $130/mo |
| State Farm | $831 | $139/mo |
| Allstate | $1,012 | $169/mo |
Estimates based on 2026 rate filings for ZIP 61032. GEICO is cheapest at ~$112/mo. Actual rates vary by driver profile and exact Freeport location.
These Freeport-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Freeport, IL. Takes under 2 minutes.
(888) 217-6781Freeport is a smaller city in Illinois with a population of 23,973. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, blizzards, lake-effect snow, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Freeport.
For official Illinois insurance regulations, visit the Illinois Department of Insurance. For driver licensing, see the Illinois Secretary of State.
Your specific ZIP code within Freeport can swing your premium by hundreds of dollars. Here's how rates compare across Freeport neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 61038 | Freeport South Side | $1,690/yr | $141/mo |
| 61037 | Freeport North Side | $1,717/yr | $143/mo |
| 61044 | Freeport West Side | $1,737/yr | $145/mo |
| 61034 | Freeport East Side | $1,825/yr | $152/mo |
| 61032 | Freeport Downtown/Central | $1,889/yr | $157/mo |
The cheapest ZIP is 61038 (Freeport South Side) at $1,690/yr. The most expensive is 61032 (Freeport Downtown/Central) at $1,889/yr — a $199/year difference for the same driver.
Your Freeport ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Freeport. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,736/yr | $311/mo | +110% vs avg |
| Young Adult (20-25) | $2,491/yr | $208/mo | +40% vs avg |
| Adult (26-35) | $1,779/yr | $148/mo | 0% vs avg |
| Mid-Career (36-50) | $1,566/yr | $131/mo | -12% vs avg |
| Senior (51-65) | $1,477/yr | $123/mo | -17% vs avg |
| 65+ | $1,583/yr | $132/mo | -11% vs avg |
Teens in Freeport pay an average of $3,736/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,477/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Illinois cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Freeport drivers can save up to $303/year. ZIP 61038 (Freeport South Side) has the lowest rates starting at $1,690/yr.
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