Cheapest Car Insurance Quotes in Allendale

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Allendale Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Allendale

The car insurance rate in Allendale is $888 for a six-month policy, which is $17 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $363, making it a popular choice for budget-conscious drivers. Rates in Allendale can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Allendale

$888

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Allendale

1st place: American Family

At $363 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $455 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $515 for six months, making it the third cheapest auto insurance company in Allendale.

Allendale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Allendale, IL is American Family, offering policies at just $363 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $455.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $958 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Allendale drivers find the best deals.

Cheap Car Insurance Companies in Allendale, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$363	$62
Auto-Owners Insurance Co	$455	$75
Westfield	$515	$88
Travelers	$660	$111
Country Financial	$703	$118
Erie	$818	$138
USAA	$975	$164
Auto-Owners	$1006	$169
Progressive	$1030	$173
State Farm	$1109	$187
Farmers	$1218	$207
Allstate	$1751	$295
Hanover	$958	$159

Key Takeaways

Way's key takeaways about car insurance in Allendale

The auto insurance costs in Allendale fall around $363 for six months.
The cheapest auto insurance company in Allendale is Mercury.
Teen drivers pay the highest rate in Allendale at $59 per month.

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Cheapest Minimum Liability Car Insurance in Allendale

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Allendale are given below.

Mercury provides the cheapest minimum car insurance coverage in Allendale. Their Average 6 Month Premium is $152. AAA is the most expensive at $260 for the same period.

Cheapest Liability Coverage in Allendale, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$152	$26
Westfield	$163	$28
Auto-Owners Insurance Co	$194	$33
American Family	$206	$35
Erie	$254	$43
Travelers	$278	$47
Auto-Owners	$285	$48
Country Financial	$285	$48
USAA	$352	$59
State Farm	$375	$63
Progressive	$394	$66
Allstate	$581	$98
Farmers	$758	$129
Hanover	$182	$31
AAA	$260	$44

Cheapest Full Coverage Car Insurance in Allendale

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Allendale is American Family at $62 per month and $363 for six months.

Cheapest Full Coverage Car Insurance Quotes in Allendale, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$363	$62
Auto-Owners Insurance Co	$455	$75
Westfield	$515	$88
Travelers	$660	$111
Country Financial	$703	$118
Erie	$818	$138
USAA	$975	$164
Auto-Owners	$1006	$169
Progressive	$1030	$173
State Farm	$1109	$187
Farmers	$1218	$207
Allstate	$1751	$295
Hanover	$958	$159

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Average Car Insurance in Allendale by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Allendale, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Allendale, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Allendale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Allendale

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Allendale,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Allendale at $33 per month. At $346 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$194	$33
American Family	$224	$38
Mercury	$224	$38
Auto-Owners Insurance Co	$243	$41
Farmers	$394	$65
Country Financial	$1103	$186
Travelers	$1152	$194
Erie	$1309	$220
USAA	$1987	$335
Auto-Owners	$2170	$369
Progressive	$3054	$514
State Farm	$3775	$635
Allstate	$4120	$694
AAA	$346	$59

Teen Car Insurance Rates in IL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Allendale, Mercury is the cheapest car insurance provider. At $231 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Allendale is Farmers, offering rates of around $2963 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
Westfield	$303	$51
American Family	$381	$65
Hanover	$406	$67
Travelers	$727	$122
Country Financial	$818	$138
Progressive	$1012	$170
USAA	$1793	$299
Erie	$1951	$332
Auto-Owners	$2775	$462
Allstate	$3175	$540
State Farm	$4738	$789
Farmers	$2963	$504

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Car Insurance Rates with An Accident in Allendale

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Allendale, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Allendale

The cheapest car insurance companies after an at-fault accident in Allendale include American Family and AutoOwners Insurance Co, offering $243 and $254, respectively. AAA is an expensive provider with an average six-month premium of $430.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$243	$41
Auto-Owners Insurance Co	$254	$43
Westfield	$260	$44
Mercury	$334	$57
Farmers	$497	$83
Travelers	$612	$103
Erie	$758	$128
Country Financial	$806	$136
State Farm	$1018	$171
USAA	$1090	$184
Auto-Owners	$1139	$190
Progressive	$1539	$259
Allstate	$2987	$503
AAA	$430	$73

Allendale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Allendale IL. For example, the car insurance in Allendale after a DUI increases to $836 for a six month policy. While the rate increases by $224 for a six-month policy in the case of a speeding ticket.

Allendale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1000	$166
One Med/PIP claim	$1006	$171
Not-at-fault accident	$1061	$176
One comp claim	$1084	$185
Two Med/PIP claims	$1084	$181
Failure to wear a seat belt	$1163	$198
Driving without lights	$1175	$196
Child safety restraint	$1181	$201
Two comp claims	$1181	$197
Failure to show documents	$1200	$204
Speeding 6 - 10 MPH over limit	$1224	$204
Driving with expired registration	$1230	$209
Speeding 11 - 15 MPH over limit	$1255	$209
Driving too slowly	$1261	$214
Failure to yield	$1261	$210
Illegal turn	$1261	$214
At-fault accident - less than $1000	$1272	$212
Failure to stop at a red light	$1272	$216
Following too closely	$1272	$212
Speeding 16 - 20 MPH over limit	$1278	$217
Speeding in school zone	$1278	$213
Improper passing	$1284	$218
Wrong way/wrong lane	$1284	$214
Cell phone violation	$1309	$222
Texting while driving	$1309	$218
Passing school bus	$1321	$224
In 65 MPH zone	$1327	$221
Speeding 21 - 25 MPH over limit	$1339	$227
Operating a vehicle without permission	$1364	$227
At-fault accident - $1000-$2000	$1448	$246
At-fault accident - greater than $2000	$1472	$246
Open container	$1521	$259
Reckless driving	$1764	$294
Racing	$1781	$303
Driving with a suspended license	$1818	$303
Refusal to submit to a chemical test	$1830	$311
DUI	$1836	$306
Leaving scene of an accident/hit and run	$1854	$315

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Allendale after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Allendale.

The cheapest car insurance premiums in Allendale are offered by Mercury at $231 for a six-month policy. However, it can be as expensive as $2599 with companies like Farmers.

Allendale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
American Family	$243	$41
Travelers	$649	$109
Progressive	$781	$132
Erie	$933	$157
Country Financial	$1084	$183
USAA	$1490	$251
State Farm	$1533	$258
Auto-Owners	$1618	$275
Allstate	$2569	$432
Farmers	$2599	$442

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Allendale are offered by Westfield at $194. However, it can be as expensive as $4762 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Allendale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$194	$33
Auto-Owners Insurance Co	$218	$37
Mercury	$237	$40
American Family	$243	$41
Hanover	$291	$49
Erie	$606	$102
Country Financial	$727	$122
Travelers	$921	$153
Auto-Owners	$933	$159
State Farm	$1169	$195
USAA	$1290	$219
Progressive	$1321	$220
Allstate	$2751	$468
Farmers	$4762	$794

Car Insurance Price Trends in Allendale, Illinois

Car insurance rates in Allendale have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Allendale dipped by $172 in January compared to $197 of December. In other words, there has been an decrease by $25 when you compare January and December.

The average cost of liability insurance in the Allendale dipped to $52 in January, compared to $54 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Allendale?

The car insurance in Allendale is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Allendale?

The cheapest car insurance in Allendale is $62 per month for full coverage.

How much is car insurance in Allendale for teenagers?

Car insurance for teenagers costs $194 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Allendale?

The average cost of car insurance is $871 for a six-month policy. It will cost around $149 per month to insure your car in Allendale.

Is car insurance expensive in Allendale?

Car insurance can be expensive in Allendale if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Allendale can be affordable.

Cheapest Car Insurance Quotes in Allendale

Why you can trust Way?

How Much Is Car Insurance in Allendale

Avg. Car Insurance in Allendale

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Allendale

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Allendale Car Insurance Rates by Company

Cheap Car Insurance Companies in Allendale, IL

Way's key takeaways about car insurance in Allendale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Allendale

Cheapest Liability Coverage in Allendale, IL

Cheapest Full Coverage Car Insurance in Allendale

Cheapest Full Coverage Car Insurance Quotes in Allendale, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Allendale by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Allendale, IL increasing?

Car Insurance Premiums by Age in Allendale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Allendale,IL

If you are in your twenties N/A is the best choice for car insurance in Allendale.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Allendale

Cheapest Car Insurance Companies after an At-Fault Accident in Allendale

Allendale Car Insurance Rates by Violation

Allendale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Allendale after a DUI

Allendale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Allendale after Speeding ticket

Car Insurance Price Trends in Allendale, Illinois

Average Car Insurance Cost in Allendale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Allendale, IL

Car Insurance Rates by State in the USA (2025 Update)

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