Gurnee drivers pay an average of $1,850/year — $79 more than the national average. With 355 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $374/year.
(888) 217-6781Estimated full coverage auto insurance rates for Gurnee, IL from top carriers. Rates are adjusted for Gurnee's 355 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $699 | $117/mo |
| Progressive | $790 | $132/mo |
| Country Financial | $813 | $136/mo |
| State Farm | $864 | $144/mo |
| Allstate | $1,052 | $175/mo |
Estimates based on 2026 rate filings for ZIP 60031. GEICO is cheapest at ~$117/mo. Actual rates vary by driver profile and exact Gurnee location.
These Gurnee-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Gurnee, IL. Takes under 2 minutes.
(888) 217-6781Gurnee is a smaller city in Illinois with a population of 30,706. 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 Gurnee.
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 Gurnee can swing your premium by hundreds of dollars. Here's how rates compare across Gurnee neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 60046 | Gurnee South Side | $1,726/yr | $144/mo |
| 60034 | Gurnee North Side | $1,810/yr | $151/mo |
| 60035 | Gurnee West Side | $1,836/yr | $153/mo |
| 60039 | Gurnee East Side | $1,853/yr | $154/mo |
| 60031 | Gurnee Downtown/Central | $1,975/yr | $165/mo |
The cheapest ZIP is 60046 (Gurnee South Side) at $1,726/yr. The most expensive is 60031 (Gurnee Downtown/Central) at $1,975/yr — a $249/year difference for the same driver.
Your Gurnee ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Gurnee. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,885/yr | $324/mo | +110% vs avg |
| Young Adult (20-25) | $2,590/yr | $216/mo | +40% vs avg |
| Adult (26-35) | $1,850/yr | $154/mo | 0% vs avg |
| Mid-Career (36-50) | $1,628/yr | $136/mo | -12% vs avg |
| Senior (51-65) | $1,536/yr | $128/mo | -17% vs avg |
| 65+ | $1,647/yr | $137/mo | -11% vs avg |
Teens in Gurnee pay an average of $3,885/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,536/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.
Gurnee drivers can save up to $374/year. ZIP 60046 (Gurnee South Side) has the lowest rates starting at $1,726/yr.
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