Cheapest Car Insurance Quotes in Chenoa

Finding the cheapest car insurance quotes in Chenoa 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.
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Chenoa Car Insurance

^$ 22

/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 Chenoa

The car insurance rate in Chenoa is $747 for a six-month policy, which is $122 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, making it a popular choice for budget-conscious drivers. Rates in Chenoa 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 Chenoa

$747

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Chenoa

1st place: AutoOwners Insurance Co

At $384 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 $434 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 $455 for six months, making it the third cheapest auto insurance company in Chenoa.

Chenoa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chenoa, IL is AutoOwners Insurance Co, offering policies at just $384 for a six-month term. This is followed by Westfield, which has an average six-month premium of $434.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $695 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chenoa drivers find the best deals.

Cheap Car Insurance Companies in Chenoa, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$384	$65
Westfield	$434	$72
Country Financial	$455	$77
Travelers	$542	$91
American Family	$629	$106
Erie	$659	$110
USAA	$777	$131
State Farm	$782	$132
Progressive	$858	$144
Auto-Owners	$904	$151
Allstate	$1298	$218
Farmers	$1298	$218
Hanover	$808	$134
Mercury	$690	$115
Hastings Mutual	$695	$118

Key Takeaways

Way's key takeaways about car insurance in Chenoa

The auto insurance costs in Chenoa fall around $384 for six months.
The cheapest auto insurance company in Chenoa is Mercury.
Teen drivers pay the highest rate in Chenoa at $50 per month.

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Cheapest Minimum Liability Car Insurance in Chenoa

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 Chenoa are given below.

Mercury provides the cheapest minimum car insurance coverage in Chenoa. Their Average 6 Month Premium is $128. First Chicago is the most expensive at $169 for the same period.

Cheapest Liability Coverage in Chenoa, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$128	$22
Westfield	$138	$23
Auto-Owners Insurance Co	$163	$28
Country Financial	$174	$29
Erie	$214	$36
Auto-Owners	$235	$40
Travelers	$235	$40
American Family	$271	$46
State Farm	$271	$46
USAA	$286	$48
Progressive	$332	$56
Allstate	$521	$88
Farmers	$639	$108
Hanover	$153	$26
AAA	$219	$37
First Chicago	$169	$28

Cheapest Full Coverage Car Insurance in Chenoa

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 Chenoa is AutoOwners Insurance Co at $65 per month and $384 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chenoa, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$384	$65
Westfield	$434	$72
Country Financial	$455	$77
Travelers	$542	$91
American Family	$629	$106
Erie	$659	$110
USAA	$777	$131
State Farm	$782	$132
Progressive	$858	$144
Auto-Owners	$904	$151
Allstate	$1298	$218
Farmers	$1298	$218
Hanover	$808	$134
Mercury	$690	$115
Hastings Mutual	$695	$118

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Average Car Insurance in Chenoa 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 Chenoa, IL increasing?

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

Car Insurance Premiums by Age in Chenoa

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	$608
30s	Auto-Owners	$421
40s	Auto-Owners	$413
50s	Auto-Owners	$390
60s	Auto-Owners	$409
70s	Auto-Owners	$519

Cheapest Car Insurance Rates for Teen Drivers in Chenoa,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Chenoa at $28 per month. At $292 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
Mercury	$189	$32
Auto-Owners Insurance Co	$205	$34
Country Financial	$695	$117
Erie	$853	$144
Travelers	$904	$152
USAA	$1574	$265
American Family	$1885	$317
State Farm	$2712	$457
Progressive	$2718	$458
Allstate	$3157	$531
Farmers	$3213	$541
AAA	$292	$50

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Chenoa.

As young drivers face the highest rates in Chenoa, AutoOwners offers the cheapest auto insurance rates at $608 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 Chenoa, Mercury is the cheapest car insurance provider. At $194 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 Chenoa is State Farm, offering rates of around $2672 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$194	$33
Westfield	$255	$44
Hanover	$342	$57
Country Financial	$511	$86
Travelers	$567	$95
Progressive	$812	$137
American Family	$996	$168
USAA	$1323	$225
Allstate	$2172	$362
Farmers	$2498	$425
State Farm	$2672	$445

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Car Insurance Rates with An Accident in Chenoa

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

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

The cheapest car insurance companies after an at-fault accident in Chenoa include AutoOwners Insurance Co and Westfield, offering $214 and $219, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $255.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$214	$36
Westfield	$219	$37
Mercury	$281	$46
Travelers	$490	$83
Erie	$495	$83
Country Financial	$501	$84
State Farm	$740	$125
USAA	$761	$128
American Family	$853	$144
Progressive	$1232	$207
Farmers	$1359	$229
Allstate	$2253	$379
AAA	$363	$62
First Chicago	$235	$40
Hastings Mutual	$255	$44

Chenoa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chenoa IL. For example, the car insurance in Chenoa after a DUI increases to $705 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Chenoa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$843	$140
One Med/PIP claim	$848	$144
Not-at-fault accident	$894	$149
One comp claim	$914	$156
Two Med/PIP claims	$914	$152
Failure to wear a seat belt	$980	$167
Driving without lights	$991	$165
Child safety restraint	$996	$169
Two comp claims	$996	$166
Failure to show documents	$1011	$172
Speeding 6 - 10 MPH over limit	$1032	$172
Driving with expired registration	$1037	$176
Speeding 11 - 15 MPH over limit	$1058	$176
Driving too slowly	$1063	$181
Failure to yield	$1063	$177
Illegal turn	$1063	$181
At-fault accident - less than $1000	$1072	$179
Failure to stop at a red light	$1072	$182
Following too closely	$1072	$179
Speeding 16 - 20 MPH over limit	$1078	$183
Speeding in school zone	$1078	$180
Improper passing	$1083	$184
Wrong way/wrong lane	$1083	$181
Cell phone violation	$1103	$187
Texting while driving	$1103	$184
Passing school bus	$1114	$189
In 65 MPH zone	$1119	$187
Speeding 21 - 25 MPH over limit	$1129	$192
Operating a vehicle without permission	$1150	$192
At-fault accident - $1000-$2000	$1221	$207
At-fault accident - greater than $2000	$1241	$207
Open container	$1282	$218
Reckless driving	$1487	$248
Racing	$1502	$255
Driving with a suspended license	$1533	$255
Refusal to submit to a chemical test	$1543	$262
DUI	$1548	$258
Leaving scene of an accident/hit and run	$1563	$266

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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 Chenoa 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 Chenoa.

The cheapest car insurance premiums in Chenoa are offered by Mercury at $194 for a six-month policy. However, it can be as expensive as $2191 with companies like Farmers.

Chenoa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$194	$33
Travelers	$521	$88
Erie	$603	$101
Progressive	$629	$106
Country Financial	$792	$133
American Family	$966	$163
State Farm	$1047	$176
USAA	$1226	$206
Allstate	$1926	$324
Farmers	$2191	$372

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 Chenoa are offered by Westfield at $163. However, it can be as expensive as $4015 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Chenoa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
Auto-Owners Insurance Co	$184	$31
Mercury	$200	$34
Erie	$214	$36
Hanover	$245	$41
Country Financial	$516	$87
USAA	$669	$112
State Farm	$914	$156
Travelers	$1037	$173
Progressive	$1072	$182
American Family	$1190	$200
Allstate	$3412	$581
Farmers	$4015	$669

Car Insurance Price Trends in Chenoa, Illinois

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

The average cost of full coverage in the Chenoa rose by $166 in December compared to $164 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Chenoa rose to $46 in December, compared to $44 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Chenoa?

The car insurance in Chenoa is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Chenoa?

The cheapest car insurance in Chenoa is $65 per month for full coverage.

How much is car insurance in Chenoa for teenagers?

Car insurance for teenagers costs $163 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 Chenoa?

The average cost of car insurance is $869 for a six-month policy. It will cost around $125 per month to insure your car in Chenoa.

Is car insurance expensive in Chenoa?

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

Cheapest Car Insurance Quotes in Chenoa

Why you can trust Way?

How Much Is Car Insurance in Chenoa

Avg. Car Insurance in Chenoa

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Chenoa

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Chenoa Car Insurance Rates by Company

Cheap Car Insurance Companies in Chenoa, IL

Way's key takeaways about car insurance in Chenoa

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chenoa

Cheapest Liability Coverage in Chenoa, IL

Cheapest Full Coverage Car Insurance in Chenoa

Cheapest Full Coverage Car Insurance Quotes in Chenoa, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chenoa by Rating Factor

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

Car Insurance Premiums by Age in Chenoa

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chenoa,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Chenoa.

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 Chenoa

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

Chenoa Car Insurance Rates by Violation

Chenoa auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chenoa after a DUI

Chenoa car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chenoa after Speeding ticket

Car Insurance Price Trends in Chenoa, Illinois

Average Car Insurance Cost in Chenoa by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chenoa, IL

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

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