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Finding the cheapest car insurance quotes in Alorton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Alorton
The car insurance rate in Alorton is $1173 for a six-month policy, which is $304 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $602, making it a popular choice for budget-conscious drivers. Rates in Alorton 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.
At $602 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Westfield
Westfield offers auto
insurance rates at $682 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Country Financial
Country Financial offers auto insurance
rates at $714
for six months, making it
the third cheapest auto insurance company in Alorton.
Alorton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Alorton, IL is AutoOwners Insurance Co, offering policies at just $602 for a six-month term. This is followed by Westfield, which has an average six-month premium of $682.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1091 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alorton drivers find the best deals.
Way's key takeaways about car insurance in Alorton
The auto insurance costs in Alorton fall around $602 for six
months.
The cheapest auto insurance company in Alorton is Mercury.
Teen drivers pay the highest rate in Alorton at $78 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Alorton
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 Alorton are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Alorton. Their Average 6 Month Premium is $201.
First Chicago is the most
expensive at $265 for the same
period.
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 Alorton is AutoOwners Insurance Co
at $103 per month and $602
for six months.
Cheapest Full Coverage Car Insurance Quotes in Alorton,
IL
Get Your Car Insurance Quote in Alorton
Instantly!
Average Car Insurance in Alorton 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 Alorton, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Alorton, 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, Alorton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Alorton
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Auto-Owners
$954
30s
Auto-Owners
$660
40s
Auto-Owners
$648
50s
Auto-Owners
$612
60s
Auto-Owners
$643
70s
Auto-Owners
$815
Cheapest Car Insurance Rates for Teen Drivers in
Alorton,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Alorton at $43
per
month. At $458 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties AutoOwners is
the best choice for car
insurance in Alorton.
As young drivers face the highest rates in Alorton, AutoOwners
offers the cheapest auto insurance rates at $954 for six months.
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 Alorton,
Mercury is
the cheapest car insurance provider. At $305 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
Alorton is State Farm, offering
rates of around $4194 for six
months.
Save up to $971/yr on car insurance rates in Alorton.
Car Insurance Rates with An Accident in Alorton
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 Alorton, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Alorton
The cheapest car insurance companies after an at-fault accident in
Alorton include AutoOwners Insurance Co
and Westfield, offering $336
and $344,
respectively. Hastings Mutual is an expensive provider
with an average six-month premium of
$401.
Here is a list of driving violations that can increase your car
insurance rates in Alorton IL. For example, the car
insurance in Alorton
after a DUI increases to $1107 for a six
month policy. While the rate increases by $297 for a six-month policy in the case of
a speeding ticket.
Alorton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1323
$220
One Med/PIP claim
$1331
$227
Not-at-fault accident
$1404
$234
One comp claim
$1435
$244
Two Med/PIP claims
$1435
$239
Failure to wear a seat belt
$1539
$262
Driving without lights
$1555
$259
Child safety restraint
$1563
$266
Two comp claims
$1563
$261
Failure to show documents
$1588
$270
Speeding 6 - 10 MPH over limit
$1620
$270
Driving with expired registration
$1628
$277
Speeding 11 - 15 MPH over limit
$1661
$277
Driving too slowly
$1669
$284
Failure to yield
$1669
$278
Illegal turn
$1669
$284
At-fault accident - less than $1000
$1683
$281
Failure to stop at a red light
$1683
$286
Following too closely
$1683
$281
Speeding 16 - 20 MPH over limit
$1692
$288
Speeding in school zone
$1692
$282
Improper passing
$1700
$289
Wrong way/wrong lane
$1700
$284
Cell phone violation
$1732
$294
Texting while driving
$1732
$289
Passing school bus
$1748
$297
In 65 MPH zone
$1756
$293
Speeding 21 - 25 MPH over limit
$1773
$301
Operating a vehicle without permission
$1805
$301
At-fault accident - $1000-$2000
$1917
$325
At-fault accident - greater than $2000
$1948
$325
Open container
$2013
$343
Reckless driving
$2334
$389
Racing
$2357
$401
Driving with a suspended license
$2406
$401
Refusal to submit to a chemical test
$2422
$412
DUI
$2430
$405
Leaving scene of an accident/hit and run
$2454
$417
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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 Alorton 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 Alorton.
The cheapest car insurance premiums in
Alorton are
offered by Mercury at $305 for a six-month policy.
However, it can be as
expensive as $3440 with companies
like Farmers.
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 Alorton are offered by Westfield
at $257. However,
it can be as expensive as $6303
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Alorton after Speeding ticket
Car insurance rates in Alorton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Alorton rose by
$261 in December
compared to $258 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Alorton rose to $72 in December,
compared to $69 in November.
This represents an increase of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Alorton. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Alorton?
The car insurance in Alorton is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Alorton?
The cheapest car insurance in Alorton
is $103 per month
for full coverage.
How much is car insurance in Alorton for teenagers?
Car insurance for teenagers costs $257 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
Alorton?
The average cost of car insurance is $869 for a six-month
policy. It will cost around $196 per month to insure your
car in Alorton.
Is car insurance expensive in Alorton?
Car insurance can be expensive in Alorton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Alorton can be
affordable.
What is the best car insurance in Alorton,
IL?
The best car insurance company in Alorton
IL is
AutoOwners Insurance Co, offering $602 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Alorton Car Insurance
