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Finding the cheapest car insurance quotes in Centreville 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 Centreville
The car insurance rate in Centreville is $1167 for a six-month policy, which is $296 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Centreville 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 $477 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 $598 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $677
for six months, making it
the third cheapest auto insurance company in Centreville.
Centreville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Centreville, IL is American Family, offering policies at just $477 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $598.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1258 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Centreville drivers find the best deals.
Way's key takeaways about car insurance in Centreville
The auto insurance costs in Centreville fall around $477 for six
months.
The cheapest auto insurance company in Centreville is Mercury.
Teen drivers pay the highest rate in Centreville 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 Centreville
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 Centreville are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Centreville. Their Average 6 Month Premium is $200.
AAA is the most
expensive at $342 for the same
period.
Cheapest Full Coverage Car Insurance in Centreville
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 Centreville is American Family
at $82 per month and $477
for six months.
Cheapest Full Coverage Car Insurance Quotes in Centreville,
IL
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Average Car Insurance in Centreville 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 Centreville, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Centreville, 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, Centreville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Centreville
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
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Cheapest Car Insurance Rates for Teen Drivers in
Centreville,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Centreville at $43
per
month. At $454 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Centreville.
As young drivers face the highest rates in Centreville, N/A
offers the cheapest auto insurance rates at $N/A 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 Centreville,
Mercury is
the cheapest car insurance provider. At $303 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
Centreville is Farmers, offering
rates of around $3893 for six
months.
Save up to $971/yr on car insurance rates in Centreville.
Car Insurance Rates with An Accident in Centreville
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 Centreville, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Centreville
The cheapest car insurance companies after an at-fault accident in
Centreville include American Family
and AutoOwners Insurance Co, offering $319
and $334,
respectively. AAA is an expensive provider
with an average six-month premium of
$565.
Here is a list of driving violations that can increase your car
insurance rates in Centreville IL. For example, the car
insurance in Centreville
after a DUI increases to $1099 for a six
month policy. While the rate increases by $295 for a six-month policy in the case of
a speeding ticket.
Centreville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1313
$218
One Med/PIP claim
$1321
$225
Not-at-fault accident
$1394
$232
One comp claim
$1424
$243
Two Med/PIP claims
$1424
$237
Failure to wear a seat belt
$1528
$260
Driving without lights
$1544
$257
Child safety restraint
$1552
$264
Two comp claims
$1552
$259
Failure to show documents
$1576
$268
Speeding 6 - 10 MPH over limit
$1608
$268
Driving with expired registration
$1616
$275
Speeding 11 - 15 MPH over limit
$1648
$275
Driving too slowly
$1656
$281
Failure to yield
$1656
$276
Illegal turn
$1656
$281
At-fault accident - less than $1000
$1671
$279
Failure to stop at a red light
$1671
$284
Following too closely
$1671
$279
Speeding 16 - 20 MPH over limit
$1679
$285
Speeding in school zone
$1679
$280
Improper passing
$1687
$287
Wrong way/wrong lane
$1687
$281
Cell phone violation
$1719
$292
Texting while driving
$1719
$287
Passing school bus
$1735
$295
In 65 MPH zone
$1743
$291
Speeding 21 - 25 MPH over limit
$1759
$299
Operating a vehicle without permission
$1792
$299
At-fault accident - $1000-$2000
$1903
$323
At-fault accident - greater than $2000
$1934
$323
Open container
$1998
$340
Reckless driving
$2317
$386
Racing
$2340
$398
Driving with a suspended license
$2388
$398
Refusal to submit to a chemical test
$2404
$409
DUI
$2412
$402
Leaving scene of an accident/hit and run
$2436
$414
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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 Centreville 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 Centreville.
The cheapest car insurance premiums in
Centreville are
offered by Mercury at $303 for a six-month policy.
However, it can be as
expensive as $3414 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 Centreville are offered by Westfield
at $255. However,
it can be as expensive as $6256
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Centreville after Speeding ticket
Car Insurance Price Trends in Centreville,
Illinois
Car insurance rates in Centreville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Centreville dipped by
$226 in January
compared to $259 of December. In other words, there has been an decrease by $33 when you
compare January and December.
The average cost of liability insurance in the Centreville dipped to $68 in January,
compared to $71 in December.
This represents an decrease of $3
when comparing January and December.
Average Car Insurance Cost in Centreville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Centreville. 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 Centreville?
The car insurance in Centreville is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Centreville?
The cheapest car insurance in Centreville
is $82 per month
for full coverage.
How much is car insurance in Centreville for teenagers?
Car insurance for teenagers costs $255 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
Centreville?
The average cost of car insurance is $871 for a six-month
policy. It will cost around $196 per month to insure your
car in Centreville.
Is car insurance expensive in Centreville?
Car insurance can be expensive in Centreville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Centreville can be
affordable.
What is the best car insurance in Centreville,
IL?
The best car insurance company in Centreville
IL is
American Family, offering $477 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Centreville, IL
Car Insurance Rates by State in the USA (2025 Update)
Centreville Car Insurance
