Cheapest Car Insurance Quotes in Apple River

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Apple River Car Insurance

^$ 25

/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 Apple River

The car insurance rate in Apple River is $880 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $360, making it a popular choice for budget-conscious drivers. Rates in Apple River 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 Apple River

$880

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Apple River

1st place: American Family

At $360 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 $450 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $510 for six months, making it the third cheapest auto insurance company in Apple River.

Apple River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Apple River, IL is American Family, offering policies at just $360 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $450.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $948 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Apple River drivers find the best deals.

Cheap Car Insurance Companies in Apple River, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$360	$62
Auto-Owners Insurance Co	$450	$75
Westfield	$510	$87
Travelers	$653	$110
Country Financial	$696	$117
Erie	$810	$136
USAA	$966	$163
Auto-Owners	$996	$168
Progressive	$1020	$172
State Farm	$1098	$185
Farmers	$1206	$205
Allstate	$1734	$292
Hanover	$948	$158

Key Takeaways

Way's key takeaways about car insurance in Apple River

The auto insurance costs in Apple River fall around $360 for six months.
The cheapest auto insurance company in Apple River is Mercury.
Teen drivers pay the highest rate in Apple River at $59 per month.

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Cheapest Minimum Liability Car Insurance in Apple River

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 Apple River are given below.

Mercury provides the cheapest minimum car insurance coverage in Apple River. Their Average 6 Month Premium is $150. AAA is the most expensive at $258 for the same period.

Cheapest Liability Coverage in Apple River, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$150	$25
Westfield	$162	$27
Auto-Owners Insurance Co	$192	$32
American Family	$204	$34
Erie	$251	$42
Travelers	$276	$46
Auto-Owners	$282	$47
Country Financial	$282	$47
USAA	$348	$59
State Farm	$372	$63
Progressive	$390	$66
Allstate	$576	$97
Farmers	$750	$127
Hanover	$180	$30
AAA	$258	$43

Cheapest Full Coverage Car Insurance in Apple River

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 Apple River is American Family at $62 per month and $360 for six months.

Cheapest Full Coverage Car Insurance Quotes in Apple River, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$360	$62
Auto-Owners Insurance Co	$450	$75
Westfield	$510	$87
Travelers	$653	$110
Country Financial	$696	$117
Erie	$810	$136
USAA	$966	$163
Auto-Owners	$996	$168
Progressive	$1020	$172
State Farm	$1098	$185
Farmers	$1206	$205
Allstate	$1734	$292
Hanover	$948	$158

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Average Car Insurance in Apple River 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 Apple River, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Apple River, 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, Apple River's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Apple River

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 Apple River,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Apple River at $32 per month. At $342 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$192	$32
American Family	$222	$37
Mercury	$222	$37
Auto-Owners Insurance Co	$240	$40
Farmers	$390	$65
Country Financial	$1092	$184
Travelers	$1140	$192
Erie	$1296	$218
USAA	$1967	$331
Auto-Owners	$2148	$366
Progressive	$3024	$509
State Farm	$3738	$629
Allstate	$4079	$687
AAA	$342	$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 Apple River, Mercury is the cheapest car insurance provider. At $228 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 Apple River is Farmers, offering rates of around $2934 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$228	$38
Westfield	$300	$51
American Family	$378	$65
Hanover	$402	$67
Travelers	$720	$121
Country Financial	$810	$136
Progressive	$1002	$169
USAA	$1776	$296
Erie	$1932	$328
Auto-Owners	$2748	$458
Allstate	$3144	$534
State Farm	$4691	$782
Farmers	$2934	$499

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Car Insurance Rates with An Accident in Apple River

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 Apple River, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Apple River

The cheapest car insurance companies after an at-fault accident in Apple River include American Family and AutoOwners Insurance Co, offering $240 and $251, respectively. AAA is an expensive provider with an average six-month premium of $426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$240	$40
Auto-Owners Insurance Co	$251	$42
Westfield	$258	$43
Mercury	$330	$57
Farmers	$492	$82
Travelers	$606	$102
Erie	$750	$126
Country Financial	$798	$134
State Farm	$1008	$170
USAA	$1080	$182
Auto-Owners	$1128	$188
Progressive	$1524	$257
Allstate	$2957	$498
AAA	$426	$73

Apple River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Apple River IL. For example, the car insurance in Apple River after a DUI increases to $828 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

Apple River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$990	$165
One Med/PIP claim	$996	$170
Not-at-fault accident	$1050	$175
One comp claim	$1074	$183
Two Med/PIP claims	$1074	$179
Failure to wear a seat belt	$1151	$196
Driving without lights	$1164	$194
Child safety restraint	$1170	$199
Two comp claims	$1170	$195
Failure to show documents	$1188	$202
Speeding 6 - 10 MPH over limit	$1212	$202
Driving with expired registration	$1218	$207
Speeding 11 - 15 MPH over limit	$1242	$207
Driving too slowly	$1248	$212
Failure to yield	$1248	$208
Illegal turn	$1248	$212
At-fault accident - less than $1000	$1259	$210
Failure to stop at a red light	$1259	$214
Following too closely	$1259	$210
Speeding 16 - 20 MPH over limit	$1266	$215
Speeding in school zone	$1266	$211
Improper passing	$1272	$216
Wrong way/wrong lane	$1272	$212
Cell phone violation	$1296	$220
Texting while driving	$1296	$216
Passing school bus	$1308	$222
In 65 MPH zone	$1314	$219
Speeding 21 - 25 MPH over limit	$1326	$225
Operating a vehicle without permission	$1350	$225
At-fault accident - $1000-$2000	$1434	$243
At-fault accident - greater than $2000	$1457	$243
Open container	$1506	$257
Reckless driving	$1746	$291
Racing	$1763	$300
Driving with a suspended license	$1800	$300
Refusal to submit to a chemical test	$1812	$308
DUI	$1818	$303
Leaving scene of an accident/hit and run	$1836	$312

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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 Apple River 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 Apple River.

The cheapest car insurance premiums in Apple River are offered by Mercury at $228 for a six-month policy. However, it can be as expensive as $2573 with companies like Farmers.

Apple River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$228	$38
American Family	$240	$40
Travelers	$642	$108
Progressive	$774	$130
Erie	$924	$156
Country Financial	$1074	$181
USAA	$1476	$248
State Farm	$1518	$256
Auto-Owners	$1602	$273
Allstate	$2544	$428
Farmers	$2573	$437

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 Apple River are offered by Westfield at $192. However, it can be as expensive as $4716 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Apple River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$192	$32
Auto-Owners Insurance Co	$216	$36
Mercury	$234	$39
American Family	$240	$40
Hanover	$288	$48
Erie	$600	$101
Country Financial	$720	$121
Travelers	$912	$152
Auto-Owners	$924	$158
State Farm	$1157	$193
USAA	$1278	$217
Progressive	$1308	$218
Allstate	$2724	$464
Farmers	$4716	$786

Car Insurance Price Trends in Apple River, Illinois

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

The average cost of full coverage in the Apple River dipped by $171 in January compared to $195 of December. In other words, there has been an decrease by $24 when you compare January and December.

The average cost of liability insurance in the Apple River 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 Apple River?

The car insurance in Apple River is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Apple River?

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

How much is car insurance in Apple River for teenagers?

Car insurance for teenagers costs $192 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 Apple River?

The average cost of car insurance is $871 for a six-month policy. It will cost around $147 per month to insure your car in Apple River.

Is car insurance expensive in Apple River?

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

Cheapest Car Insurance Quotes in Apple River

Why you can trust Way?

How Much Is Car Insurance in Apple River

Avg. Car Insurance in Apple River

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Apple River

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Apple River Car Insurance Rates by Company

Cheap Car Insurance Companies in Apple River, IL

Way's key takeaways about car insurance in Apple River

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Apple River

Cheapest Liability Coverage in Apple River, IL

Cheapest Full Coverage Car Insurance in Apple River

Cheapest Full Coverage Car Insurance Quotes in Apple River, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Apple River by Rating Factor

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

Car Insurance Premiums by Age in Apple River

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Apple River,IL

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

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 Apple River

Cheapest Car Insurance Companies after an At-Fault Accident in Apple River

Apple River Car Insurance Rates by Violation

Apple River auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Apple River after a DUI

Apple River car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Apple River after Speeding ticket

Car Insurance Price Trends in Apple River, Illinois

Average Car Insurance Cost in Apple River by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Apple River, IL

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

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