Cheapest Car Insurance Quotes in Cerro Gordo

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Cerro Gordo Car Insurance

^$ 23

/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 Cerro Gordo

The car insurance rate in Cerro Gordo is $793 for a six-month policy, which is $78 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Cerro Gordo 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 Cerro Gordo

$793

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Cerro Gordo

1st place: American Family

At $324 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 $406 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $460 for six months, making it the third cheapest auto insurance company in Cerro Gordo.

Cerro Gordo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cerro Gordo, IL is American Family, offering policies at just $324 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $406.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $854 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cerro Gordo drivers find the best deals.

Cheap Car Insurance Companies in Cerro Gordo, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$324	$56
Auto-Owners Insurance Co	$406	$67
Westfield	$460	$78
Travelers	$589	$99
Country Financial	$627	$106
Erie	$730	$123
USAA	$870	$147
Auto-Owners	$897	$151
Progressive	$919	$155
State Farm	$989	$167
Farmers	$1087	$185
Allstate	$1562	$263
Hanover	$854	$142

Key Takeaways

Way's key takeaways about car insurance in Cerro Gordo

The auto insurance costs in Cerro Gordo fall around $324 for six months.
The cheapest auto insurance company in Cerro Gordo is Mercury.
Teen drivers pay the highest rate in Cerro Gordo at $53 per month.

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Cheapest Minimum Liability Car Insurance in Cerro Gordo

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 Cerro Gordo are given below.

Mercury provides the cheapest minimum car insurance coverage in Cerro Gordo. Their Average 6 Month Premium is $136. AAA is the most expensive at $232 for the same period.

Cheapest Liability Coverage in Cerro Gordo, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$136	$23
Westfield	$146	$25
Auto-Owners Insurance Co	$173	$29
American Family	$184	$31
Erie	$227	$38
Travelers	$248	$42
Auto-Owners	$254	$43
Country Financial	$254	$43
USAA	$314	$53
State Farm	$335	$56
Progressive	$351	$59
Allstate	$519	$87
Farmers	$676	$115
Hanover	$162	$27
AAA	$232	$39

Cheapest Full Coverage Car Insurance in Cerro Gordo

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 Cerro Gordo is American Family at $56 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cerro Gordo, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$324	$56
Auto-Owners Insurance Co	$406	$67
Westfield	$460	$78
Travelers	$589	$99
Country Financial	$627	$106
Erie	$730	$123
USAA	$870	$147
Auto-Owners	$897	$151
Progressive	$919	$155
State Farm	$989	$167
Farmers	$1087	$185
Allstate	$1562	$263
Hanover	$854	$142

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Average Car Insurance in Cerro Gordo 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 Cerro Gordo, IL increasing?

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

Car Insurance Premiums by Age in Cerro Gordo

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 Cerro Gordo,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cerro Gordo at $29 per month. At $308 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
American Family	$200	$34
Mercury	$200	$34
Auto-Owners Insurance Co	$217	$36
Farmers	$351	$58
Country Financial	$984	$166
Travelers	$1027	$173
Erie	$1168	$197
USAA	$1773	$298
Auto-Owners	$1936	$329
Progressive	$2725	$459
State Farm	$3368	$567
Allstate	$3675	$619
AAA	$308	$53

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 Cerro Gordo, Mercury is the cheapest car insurance provider. At $206 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 Cerro Gordo is Farmers, offering rates of around $2644 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$206	$35
Westfield	$270	$46
American Family	$340	$58
Hanover	$362	$60
Travelers	$649	$109
Country Financial	$730	$123
Progressive	$903	$152
USAA	$1600	$267
Erie	$1741	$296
Auto-Owners	$2476	$412
Allstate	$2833	$481
State Farm	$4227	$704
Farmers	$2644	$450

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Save up to $971/yr on car insurance rates in Cerro Gordo.

Car Insurance Rates with An Accident in Cerro Gordo

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 Cerro Gordo, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cerro Gordo

The cheapest car insurance companies after an at-fault accident in Cerro Gordo include American Family and AutoOwners Insurance Co, offering $217 and $227, respectively. AAA is an expensive provider with an average six-month premium of $384.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$217	$36
Auto-Owners Insurance Co	$227	$38
Westfield	$232	$39
Mercury	$298	$51
Farmers	$443	$74
Travelers	$546	$92
Erie	$676	$114
Country Financial	$719	$121
State Farm	$908	$153
USAA	$973	$164
Auto-Owners	$1016	$169
Progressive	$1373	$231
Allstate	$2664	$449
AAA	$384	$66

Cerro Gordo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cerro Gordo IL. For example, the car insurance in Cerro Gordo after a DUI increases to $746 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Cerro Gordo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$892	$148
One Med/PIP claim	$897	$153
Not-at-fault accident	$946	$157
One comp claim	$967	$165
Two Med/PIP claims	$967	$161
Failure to wear a seat belt	$1037	$177
Driving without lights	$1048	$175
Child safety restraint	$1054	$179
Two comp claims	$1054	$176
Failure to show documents	$1070	$182
Speeding 6 - 10 MPH over limit	$1092	$182
Driving with expired registration	$1097	$187
Speeding 11 - 15 MPH over limit	$1119	$187
Driving too slowly	$1125	$191
Failure to yield	$1125	$187
Illegal turn	$1125	$191
At-fault accident - less than $1000	$1135	$189
Failure to stop at a red light	$1135	$193
Following too closely	$1135	$189
Speeding 16 - 20 MPH over limit	$1140	$194
Speeding in school zone	$1140	$190
Improper passing	$1146	$195
Wrong way/wrong lane	$1146	$191
Cell phone violation	$1168	$198
Texting while driving	$1168	$195
Passing school bus	$1178	$200
In 65 MPH zone	$1184	$197
Speeding 21 - 25 MPH over limit	$1195	$203
Operating a vehicle without permission	$1217	$203
At-fault accident - $1000-$2000	$1292	$219
At-fault accident - greater than $2000	$1313	$219
Open container	$1357	$231
Reckless driving	$1573	$262
Racing	$1589	$270
Driving with a suspended license	$1622	$270
Refusal to submit to a chemical test	$1633	$278
DUI	$1638	$273
Leaving scene of an accident/hit and run	$1654	$281

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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 Cerro Gordo 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 Cerro Gordo.

The cheapest car insurance premiums in Cerro Gordo are offered by Mercury at $206 for a six-month policy. However, it can be as expensive as $2319 with companies like Farmers.

Cerro Gordo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$206	$35
American Family	$217	$36
Travelers	$579	$97
Progressive	$697	$117
Erie	$833	$140
Country Financial	$967	$163
USAA	$1330	$224
State Farm	$1368	$230
Auto-Owners	$1443	$246
Allstate	$2292	$386
Farmers	$2319	$394

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 Cerro Gordo are offered by Westfield at $173. However, it can be as expensive as $4249 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cerro Gordo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Auto-Owners Insurance Co	$195	$33
Mercury	$211	$35
American Family	$217	$36
Hanover	$259	$44
Erie	$541	$91
Country Financial	$649	$109
Travelers	$822	$137
Auto-Owners	$833	$142
State Farm	$1043	$174
USAA	$1151	$196
Progressive	$1178	$197
Allstate	$2454	$418
Farmers	$4249	$708

Car Insurance Price Trends in Cerro Gordo, Illinois

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

The average cost of full coverage in the Cerro Gordo dipped by $154 in January compared to $176 of December. In other words, there has been an decrease by $22 when you compare January and December.

The average cost of liability insurance in the Cerro Gordo dipped to $46 in January, compared to $48 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 Cerro Gordo?

The car insurance in Cerro Gordo is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Cerro Gordo?

The cheapest car insurance in Cerro Gordo is $56 per month for full coverage.

How much is car insurance in Cerro Gordo for teenagers?

Car insurance for teenagers costs $173 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 Cerro Gordo?

The average cost of car insurance is $871 for a six-month policy. It will cost around $133 per month to insure your car in Cerro Gordo.

Is car insurance expensive in Cerro Gordo?

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

Cheapest Car Insurance Quotes in Cerro Gordo

Why you can trust Way?

How Much Is Car Insurance in Cerro Gordo

Avg. Car Insurance in Cerro Gordo

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Cerro Gordo

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Cerro Gordo Car Insurance Rates by Company

Cheap Car Insurance Companies in Cerro Gordo, IL

Way's key takeaways about car insurance in Cerro Gordo

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cerro Gordo

Cheapest Liability Coverage in Cerro Gordo, IL

Cheapest Full Coverage Car Insurance in Cerro Gordo

Cheapest Full Coverage Car Insurance Quotes in Cerro Gordo, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cerro Gordo by Rating Factor

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

Car Insurance Premiums by Age in Cerro Gordo

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cerro Gordo,IL

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

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 Cerro Gordo

Cheapest Car Insurance Companies after an At-Fault Accident in Cerro Gordo

Cerro Gordo Car Insurance Rates by Violation

Cerro Gordo auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cerro Gordo after a DUI

Cerro Gordo car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cerro Gordo after Speeding ticket

Car Insurance Price Trends in Cerro Gordo, Illinois

Average Car Insurance Cost in Cerro Gordo by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cerro Gordo, IL

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

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