Cheapest Car Insurance Quotes in De Soto

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De Soto Car Insurance

^$ 26

/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 De Soto

The car insurance rate in De Soto is $906 for a six-month policy, which is $35 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $370, making it a popular choice for budget-conscious drivers. Rates in De Soto 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 De Soto

$906

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in De Soto

1st place: American Family

At $370 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 $464 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $525 for six months, making it the third cheapest auto insurance company in De Soto.

De Soto Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in De Soto, IL is American Family, offering policies at just $370 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $464.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $977 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help De Soto drivers find the best deals.

Cheap Car Insurance Companies in De Soto, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$370	$63
Auto-Owners Insurance Co	$464	$77
Westfield	$525	$89
Travelers	$673	$113
Country Financial	$717	$121
Erie	$834	$140
USAA	$994	$167
Auto-Owners	$1025	$173
Progressive	$1050	$177
State Farm	$1130	$190
Farmers	$1242	$211
Allstate	$1786	$301
Hanover	$977	$162

Key Takeaways

Way's key takeaways about car insurance in De Soto

The auto insurance costs in De Soto fall around $370 for six months.
The cheapest auto insurance company in De Soto is Mercury.
Teen drivers pay the highest rate in De Soto at $60 per month.

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Cheapest Minimum Liability Car Insurance in De Soto

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 De Soto are given below.

Mercury provides the cheapest minimum car insurance coverage in De Soto. Their Average 6 Month Premium is $155. AAA is the most expensive at $265 for the same period.

Cheapest Liability Coverage in De Soto, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$155	$26
Westfield	$166	$28
Auto-Owners Insurance Co	$198	$33
American Family	$210	$35
Erie	$259	$44
Travelers	$284	$48
Auto-Owners	$290	$49
Country Financial	$290	$49
USAA	$359	$60
State Farm	$383	$64
Progressive	$401	$68
Allstate	$593	$100
Farmers	$773	$131
Hanover	$185	$31
AAA	$265	$45

Cheapest Full Coverage Car Insurance in De Soto

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 De Soto is American Family at $63 per month and $370 for six months.

Cheapest Full Coverage Car Insurance Quotes in De Soto, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$370	$63
Auto-Owners Insurance Co	$464	$77
Westfield	$525	$89
Travelers	$673	$113
Country Financial	$717	$121
Erie	$834	$140
USAA	$994	$167
Auto-Owners	$1025	$173
Progressive	$1050	$177
State Farm	$1130	$190
Farmers	$1242	$211
Allstate	$1786	$301
Hanover	$977	$162

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Average Car Insurance in De Soto 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 De Soto, IL increasing?

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

Car Insurance Premiums by Age in De Soto

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 De Soto,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the De Soto at $33 per month. At $353 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
American Family	$229	$38
Mercury	$229	$38
Auto-Owners Insurance Co	$248	$42
Farmers	$401	$67
Country Financial	$1124	$189
Travelers	$1174	$198
Erie	$1334	$225
USAA	$2026	$341
Auto-Owners	$2212	$376
Progressive	$3114	$524
State Farm	$3849	$648
Allstate	$4201	$707
AAA	$353	$60

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 De Soto, Mercury is the cheapest car insurance provider. At $235 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 De Soto is Farmers, offering rates of around $3021 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$235	$40
Westfield	$309	$52
American Family	$389	$67
Hanover	$414	$69
Travelers	$742	$125
Country Financial	$834	$140
Progressive	$1032	$174
USAA	$1828	$305
Erie	$1990	$338
Auto-Owners	$2830	$471
Allstate	$3238	$550
State Farm	$4831	$805
Farmers	$3021	$514

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Car Insurance Rates with An Accident in De Soto

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

Cheapest Car Insurance Companies after an At-Fault Accident in De Soto

The cheapest car insurance companies after an at-fault accident in De Soto include American Family and AutoOwners Insurance Co, offering $248 and $259, respectively. AAA is an expensive provider with an average six-month premium of $439.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$248	$42
Auto-Owners Insurance Co	$259	$44
Westfield	$265	$45
Mercury	$340	$58
Farmers	$506	$84
Travelers	$624	$105
Erie	$773	$130
Country Financial	$822	$138
State Farm	$1038	$175
USAA	$1112	$187
Auto-Owners	$1162	$193
Progressive	$1569	$264
Allstate	$3045	$513
AAA	$439	$75

De Soto Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in De Soto IL. For example, the car insurance in De Soto after a DUI increases to $853 for a six month policy. While the rate increases by $229 for a six-month policy in the case of a speeding ticket.

De Soto auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1019	$170
One Med/PIP claim	$1025	$175
Not-at-fault accident	$1082	$180
One comp claim	$1106	$188
Two Med/PIP claims	$1106	$184
Failure to wear a seat belt	$1186	$202
Driving without lights	$1198	$200
Child safety restraint	$1204	$205
Two comp claims	$1204	$201
Failure to show documents	$1223	$208
Speeding 6 - 10 MPH over limit	$1248	$208
Driving with expired registration	$1254	$213
Speeding 11 - 15 MPH over limit	$1279	$213
Driving too slowly	$1285	$218
Failure to yield	$1285	$214
Illegal turn	$1285	$218
At-fault accident - less than $1000	$1297	$216
Failure to stop at a red light	$1297	$220
Following too closely	$1297	$216
Speeding 16 - 20 MPH over limit	$1303	$222
Speeding in school zone	$1303	$217
Improper passing	$1309	$223
Wrong way/wrong lane	$1309	$218
Cell phone violation	$1334	$227
Texting while driving	$1334	$223
Passing school bus	$1347	$229
In 65 MPH zone	$1353	$226
Speeding 21 - 25 MPH over limit	$1366	$232
Operating a vehicle without permission	$1390	$232
At-fault accident - $1000-$2000	$1477	$251
At-fault accident - greater than $2000	$1501	$251
Open container	$1551	$264
Reckless driving	$1798	$300
Racing	$1816	$309
Driving with a suspended license	$1853	$309
Refusal to submit to a chemical test	$1866	$317
DUI	$1872	$312
Leaving scene of an accident/hit and run	$1891	$321

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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 De Soto 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 De Soto.

The cheapest car insurance premiums in De Soto are offered by Mercury at $235 for a six-month policy. However, it can be as expensive as $2650 with companies like Farmers.

De Soto car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$235	$40
American Family	$248	$42
Travelers	$661	$111
Progressive	$797	$134
Erie	$952	$160
Country Financial	$1106	$186
USAA	$1519	$256
State Farm	$1563	$263
Auto-Owners	$1649	$281
Allstate	$2620	$441
Farmers	$2650	$450

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 De Soto are offered by Westfield at $198. However, it can be as expensive as $4856 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in De Soto after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
Auto-Owners Insurance Co	$223	$37
Mercury	$241	$41
American Family	$248	$42
Hanover	$296	$50
Erie	$618	$104
Country Financial	$742	$125
Travelers	$939	$156
Auto-Owners	$952	$162
State Farm	$1192	$199
USAA	$1316	$224
Progressive	$1347	$225
Allstate	$2805	$477
Farmers	$4856	$809

Car Insurance Price Trends in De Soto, Illinois

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

The average cost of full coverage in the De Soto dipped by $176 in January compared to $201 of December. In other words, there has been an decrease by $25 when you compare January and December.

The average cost of liability insurance in the De Soto dipped to $53 in January, compared to $55 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 De Soto?

The car insurance in De Soto is $26 per month, which is lower than the national average.

What is the cheapest car insurance in De Soto?

The cheapest car insurance in De Soto is $63 per month for full coverage.

How much is car insurance in De Soto for teenagers?

Car insurance for teenagers costs $198 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 De Soto?

The average cost of car insurance is $871 for a six-month policy. It will cost around $152 per month to insure your car in De Soto.

Is car insurance expensive in De Soto?

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

Cheapest Car Insurance Quotes in De Soto

Why you can trust Way?

How Much Is Car Insurance in De Soto

Avg. Car Insurance in De Soto

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in De Soto

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

De Soto Car Insurance Rates by Company

Cheap Car Insurance Companies in De Soto, IL

Way's key takeaways about car insurance in De Soto

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in De Soto

Cheapest Liability Coverage in De Soto, IL

Cheapest Full Coverage Car Insurance in De Soto

Cheapest Full Coverage Car Insurance Quotes in De Soto, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in De Soto by Rating Factor

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

Car Insurance Premiums by Age in De Soto

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in De Soto,IL

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

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 De Soto

Cheapest Car Insurance Companies after an At-Fault Accident in De Soto

De Soto Car Insurance Rates by Violation

De Soto auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in De Soto after a DUI

De Soto car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in De Soto after Speeding ticket

Car Insurance Price Trends in De Soto, Illinois

Average Car Insurance Cost in De Soto by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near De Soto, IL

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

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