Cheapest Car Insurance Quotes in Davis Junction

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Davis Junction Car Insurance

^$ 24

/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 Davis Junction

The car insurance rate in Davis Junction is $826 for a six-month policy, which is $43 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Davis Junction 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 Davis Junction

$826

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Davis Junction

1st place: AutoOwners Insurance Co

At $424 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 $480 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 $503 for six months, making it the third cheapest auto insurance company in Davis Junction.

Davis Junction Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Davis Junction, IL is AutoOwners Insurance Co, offering policies at just $424 for a six-month term. This is followed by Westfield, which has an average six-month premium of $480.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $768 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Davis Junction drivers find the best deals.

Cheap Car Insurance Companies in Davis Junction, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$424	$72
Westfield	$480	$80
Country Financial	$503	$85
Travelers	$599	$101
American Family	$694	$117
Erie	$728	$122
USAA	$858	$144
State Farm	$864	$145
Progressive	$948	$160
Auto-Owners	$998	$166
Allstate	$1434	$241
Farmers	$1434	$241
Hanover	$892	$148
Mercury	$762	$127
Hastings Mutual	$768	$130

Key Takeaways

Way's key takeaways about car insurance in Davis Junction

The auto insurance costs in Davis Junction fall around $424 for six months.
The cheapest auto insurance company in Davis Junction is Mercury.
Teen drivers pay the highest rate in Davis Junction at $55 per month.

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Cheapest Minimum Liability Car Insurance in Davis Junction

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 Davis Junction are given below.

Mercury provides the cheapest minimum car insurance coverage in Davis Junction. Their Average 6 Month Premium is $142. First Chicago is the most expensive at $186 for the same period.

Cheapest Liability Coverage in Davis Junction, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$142	$24
Westfield	$152	$26
Auto-Owners Insurance Co	$181	$30
Country Financial	$192	$32
Erie	$237	$40
Auto-Owners	$259	$44
Travelers	$259	$44
American Family	$299	$50
State Farm	$299	$50
USAA	$316	$53
Progressive	$367	$62
Allstate	$576	$97
Farmers	$706	$120
Hanover	$169	$29
AAA	$242	$41
First Chicago	$186	$31

Cheapest Full Coverage Car Insurance in Davis Junction

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 Davis Junction is AutoOwners Insurance Co at $72 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Davis Junction, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$424	$72
Westfield	$480	$80
Country Financial	$503	$85
Travelers	$599	$101
American Family	$694	$117
Erie	$728	$122
USAA	$858	$144
State Farm	$864	$145
Progressive	$948	$160
Auto-Owners	$998	$166
Allstate	$1434	$241
Farmers	$1434	$241
Hanover	$892	$148
Mercury	$762	$127
Hastings Mutual	$768	$130

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Average Car Insurance in Davis Junction 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 Davis Junction, IL increasing?

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

Car Insurance Premiums by Age in Davis Junction

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	$672
30s	Auto-Owners	$465
40s	Auto-Owners	$456
50s	Auto-Owners	$430
60s	Auto-Owners	$452
70s	Auto-Owners	$574

Cheapest Car Insurance Rates for Teen Drivers in Davis Junction,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Davis Junction at $30 per month. At $322 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
Mercury	$209	$35
Auto-Owners Insurance Co	$226	$38
Country Financial	$768	$129
Erie	$942	$159
Travelers	$998	$168
USAA	$1739	$293
American Family	$2082	$351
State Farm	$2996	$504
Progressive	$3002	$505
Allstate	$3487	$587
Farmers	$3549	$598
AAA	$322	$55

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 Davis Junction.

As young drivers face the highest rates in Davis Junction, AutoOwners offers the cheapest auto insurance rates at $672 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 Davis Junction, Mercury is the cheapest car insurance provider. At $215 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 Davis Junction is State Farm, offering rates of around $2952 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$215	$36
Westfield	$282	$48
Hanover	$378	$63
Country Financial	$564	$95
Travelers	$626	$105
Progressive	$897	$151
American Family	$1100	$185
USAA	$1461	$249
Allstate	$2399	$400
Farmers	$2760	$469
State Farm	$2952	$492

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Car Insurance Rates with An Accident in Davis Junction

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

Cheapest Car Insurance Companies after an At-Fault Accident in Davis Junction

The cheapest car insurance companies after an at-fault accident in Davis Junction include AutoOwners Insurance Co and Westfield, offering $237 and $242, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $282.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$237	$40
Westfield	$242	$41
Mercury	$311	$51
Travelers	$542	$91
Erie	$547	$92
Country Financial	$553	$93
State Farm	$818	$138
USAA	$841	$142
American Family	$942	$159
Progressive	$1360	$229
Farmers	$1501	$253
Allstate	$2489	$419
AAA	$401	$68
First Chicago	$259	$44
Hastings Mutual	$282	$48

Davis Junction Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Davis Junction IL. For example, the car insurance in Davis Junction after a DUI increases to $779 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Davis Junction auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$931	$155
One Med/PIP claim	$937	$160
Not-at-fault accident	$988	$164
One comp claim	$1010	$172
Two Med/PIP claims	$1010	$168
Failure to wear a seat belt	$1083	$184
Driving without lights	$1094	$182
Child safety restraint	$1100	$187
Two comp claims	$1100	$183
Failure to show documents	$1117	$190
Speeding 6 - 10 MPH over limit	$1140	$190
Driving with expired registration	$1146	$195
Speeding 11 - 15 MPH over limit	$1169	$195
Driving too slowly	$1174	$200
Failure to yield	$1174	$196
Illegal turn	$1174	$200
At-fault accident - less than $1000	$1185	$198
Failure to stop at a red light	$1185	$201
Following too closely	$1185	$198
Speeding 16 - 20 MPH over limit	$1190	$202
Speeding in school zone	$1190	$199
Improper passing	$1196	$203
Wrong way/wrong lane	$1196	$200
Cell phone violation	$1219	$207
Texting while driving	$1219	$203
Passing school bus	$1230	$209
In 65 MPH zone	$1236	$206
Speeding 21 - 25 MPH over limit	$1247	$212
Operating a vehicle without permission	$1270	$212
At-fault accident - $1000-$2000	$1349	$229
At-fault accident - greater than $2000	$1371	$229
Open container	$1416	$241
Reckless driving	$1643	$274
Racing	$1659	$282
Driving with a suspended license	$1693	$282
Refusal to submit to a chemical test	$1704	$290
DUI	$1710	$285
Leaving scene of an accident/hit and run	$1727	$294

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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 Davis Junction 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 Davis Junction.

The cheapest car insurance premiums in Davis Junction are offered by Mercury at $215 for a six-month policy. However, it can be as expensive as $2421 with companies like Farmers.

Davis Junction car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$215	$36
Travelers	$576	$97
Erie	$666	$112
Progressive	$694	$117
Country Financial	$875	$147
American Family	$1067	$180
State Farm	$1157	$195
USAA	$1355	$228
Allstate	$2127	$358
Farmers	$2421	$411

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 Davis Junction are offered by Westfield at $181. However, it can be as expensive as $4436 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Davis Junction after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
Auto-Owners Insurance Co	$203	$34
Mercury	$220	$37
Erie	$237	$40
Hanover	$271	$46
Country Financial	$570	$96
USAA	$739	$124
State Farm	$1010	$172
Travelers	$1146	$191
Progressive	$1185	$201
American Family	$1315	$221
Allstate	$3770	$641
Farmers	$4436	$739

Car Insurance Price Trends in Davis Junction, Illinois

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

The average cost of full coverage in the Davis Junction rose by $183 in December compared to $181 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 Davis Junction rose to $50 in December, compared to $48 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 Davis Junction?

The car insurance in Davis Junction is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Davis Junction?

The cheapest car insurance in Davis Junction is $72 per month for full coverage.

How much is car insurance in Davis Junction for teenagers?

Car insurance for teenagers costs $181 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 Davis Junction?

The average cost of car insurance is $869 for a six-month policy. It will cost around $138 per month to insure your car in Davis Junction.

Is car insurance expensive in Davis Junction?

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

Cheapest Car Insurance Quotes in Davis Junction

Why you can trust Way?

How Much Is Car Insurance in Davis Junction

Avg. Car Insurance in Davis Junction

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Davis Junction

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Davis Junction Car Insurance Rates by Company

Cheap Car Insurance Companies in Davis Junction, IL

Way's key takeaways about car insurance in Davis Junction

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Davis Junction

Cheapest Liability Coverage in Davis Junction, IL

Cheapest Full Coverage Car Insurance in Davis Junction

Cheapest Full Coverage Car Insurance Quotes in Davis Junction, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Davis Junction by Rating Factor

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

Car Insurance Premiums by Age in Davis Junction

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Davis Junction,IL

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

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 Davis Junction

Cheapest Car Insurance Companies after an At-Fault Accident in Davis Junction

Davis Junction Car Insurance Rates by Violation

Davis Junction auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Davis Junction after a DUI

Davis Junction car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Davis Junction after Speeding ticket

Car Insurance Price Trends in Davis Junction, Illinois

Average Car Insurance Cost in Davis Junction by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Davis Junction, IL

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

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