Car Insurance in Moline, IL
Not every Moline driver has the same habits on I-74. The careful ones, the smooth brakers, the ones who keep their phone face down and their eyes on the road?
Lemonade notices. And prices you accordingly.
How much does car insurance cost in Moline?
The average estimated cost of Lemonade car insurance in Moline ranges from roughly $1,620 to $1,680 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Silvis | $3,120 to $3,180 |
| Rock Island | $2,040 to $2,100 |
| East Moline | $3,000 to $3,060 |
| Milan | $1,260 to $1,320 |
How can I get cheaper car insurance in Moline?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Hybrid/EV discount
Got a hybrid or EV? We think that’s worth rewarding. You’ll get a lower rate, automatically.
What is the minimum car insurance
required in Moline?
Every Moline driver needs to carry a minimum level of coverage to legally drive.
Here’s exactly what the state requires.
| Required minimum coverages for Illinois drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
What additional car insurance coverages
does Lemonade offer in Moline?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash- like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Moline?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
What are Moline drivers driving?
Next time you’re stuck on I-74 crossing the Mississippi into Bettendorf, play along.
Here are the nine makes you’re most likely to spot on Moline roads, according to our data.
Beyond Moline: car insurance across Illinois
Moline car insurance FAQs
What happens if you drive without insurance in Moline, IL?
Illinois requires all drivers to carry liability insurance, and getting caught without it can mean fines, a suspended license, and having your car impounded. If you’re in an accident while uninsured, you’re personally on the hook for any damages or injuries you cause. It’s not a risk worth taking.
How does Moline's weather affect my car insurance?
Moline winters can be rough, with heavy snow, ice, and freezing temps that make accidents and vehicle damage more likely. Comprehensive coverage can help protect your car from non-collision events like falling ice or storm damage, which the Illinois state minimum won’t cover. If you’re parking outside through the winter, it’s worth thinking about.
Is car insurance more expensive for younger drivers in Moline?
Young drivers do tend to pay more, but safe habits behind the wheel can make a real difference in what you actually pay. The good news is that being a careful driver matters, and your rate doesn’t have to be as high as your age alone might suggest. Shopping around and keeping a clean record are the best moves you can make early on.
What coverage options go beyond Illinois's minimum requirements?
Illinois only requires basic liability coverage, but that won’t pay for damage to your own car after an accident, theft, or a bad storm. Collision coverage helps after a crash, and comprehensive coverage handles things like hail, flooding, or a tree falling on your car, all very real possibilities in the Quad Cities area. Adding these can make a big difference when something unexpected happens.
What should I do after a car accident in Moline?
First, make sure everyone is safe and call 911 if there are any injuries. Then exchange insurance and contact information with the other driver, document the scene with photos, and file a police report if needed. After that, reach out to your insurance provider as soon as possible to start your claim.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Sept 2025 through August 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in Illinois as of August 2026, based on Lemonade’s internal data. All figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Illinois drivers or the broader insurance market.
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