Cheapest Car Insurance Quotes in Dixmoor

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Dixmoor Car Insurance

^$ 38

/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 Dixmoor

The car insurance rate in Dixmoor is $1325 for a six-month policy, which is $459 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $545, making it a popular choice for budget-conscious drivers. Rates in Dixmoor 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 Dixmoor

$1325

Avg. Car Insurance in Illinois

$866

National Average

$1278

Cheapest Car Insurance Companies in Dixmoor

1st place: American Family

At $545 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 $682 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $773 for six months, making it the third cheapest auto insurance company in Dixmoor.

Dixmoor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dixmoor, IL is American Family, offering policies at just $545 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $682.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2627 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dixmoor drivers find the best deals.

Cheap Car Insurance Companies in Dixmoor, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$545	$93
Auto-Owners Insurance Co	$682	$113
Westfield	$773	$132
Travelers	$990	$167
Country Financial	$1054	$177
Erie	$1227	$207
USAA	$1463	$246
Auto-Owners	$1509	$254
Progressive	$1545	$260
State Farm	$1663	$280
Farmers	$1827	$311
Allstate	$2627	$442

Key Takeaways

Way's key takeaways about car insurance in Dixmoor

The auto insurance costs in Dixmoor fall around $545 for six months.
The cheapest auto insurance company in Dixmoor is Mercury.
Teen drivers pay the highest rate in Dixmoor at $1040 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Dixmoor

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 Dixmoor are given below.

Mercury provides the cheapest minimum car insurance coverage in Dixmoor. Their Average 6 Month Premium is $228. Farmers is the most expensive at $1137 for the same period.

Cheapest Liability Coverage in Dixmoor, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$228	$38
Westfield	$245	$41
Auto-Owners Insurance Co	$291	$49
American Family	$309	$52
Erie	$381	$64
Travelers	$418	$70
Auto-Owners	$427	$72
Country Financial	$427	$72
USAA	$528	$89
State Farm	$563	$95
Progressive	$591	$99
Allstate	$872	$147
Farmers	$1137	$193

Cheapest Full Coverage Car Insurance in Dixmoor

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 Dixmoor is American Family at $93 per month and $545 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dixmoor, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$545	$93
Auto-Owners Insurance Co	$682	$113
Westfield	$773	$132
Travelers	$990	$167
Country Financial	$1054	$177
Erie	$1227	$207
USAA	$1463	$246
Auto-Owners	$1509	$254
Progressive	$1545	$260
State Farm	$1663	$280
Farmers	$1827	$311
Allstate	$2627	$442

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Average Car Insurance in Dixmoor 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 Dixmoor, IL increasing?

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

Car Insurance Premiums by Age in Dixmoor

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 Dixmoor,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Dixmoor at $49 per month. At $6180 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$291	$49
American Family	$337	$57
Mercury	$337	$57
Auto-Owners Insurance Co	$364	$61
Farmers	$591	$98
Country Financial	$1654	$278
Travelers	$1727	$291
Erie	$1963	$330
USAA	$2980	$502
Auto-Owners	$3254	$554
Progressive	$4581	$771
State Farm	$5663	$953
Allstate	$6180	$1040

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 Dixmoor, Mercury is the cheapest car insurance provider. At $346 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 Dixmoor is Farmers, offering rates of around $4445 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$346	$58
Westfield	$454	$77
American Family	$572	$98
Hanover	$609	$101
Travelers	$1091	$184
Country Financial	$1227	$207
Progressive	$1518	$256
USAA	$2690	$448
Erie	$2927	$497
Auto-Owners	$4163	$693
Allstate	$4763	$809
State Farm	$7107	$1184
Farmers	$4445	$756

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

Car Insurance Rates with An Accident in Dixmoor

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

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

The cheapest car insurance companies after an at-fault accident in Dixmoor include American Family and AutoOwners Insurance Co, offering $364 and $381, respectively. Allstate is an expensive provider with an average six-month premium of $4480.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$364	$61
Auto-Owners Insurance Co	$381	$64
Westfield	$390	$66
Mercury	$500	$86
Farmers	$745	$124
Travelers	$918	$155
Erie	$1137	$191
Country Financial	$1209	$203
State Farm	$1527	$257
USAA	$1636	$275
Auto-Owners	$1709	$285
Progressive	$2309	$389
Allstate	$4480	$754

Dixmoor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dixmoor IL. For example, the car insurance in Dixmoor after a DUI increases to $1255 for a six month policy. While the rate increases by $337 for a six-month policy in the case of a speeding ticket.

Dixmoor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1499	$249
One Med/PIP claim	$1509	$257
Not-at-fault accident	$1591	$265
One comp claim	$1626	$277
Two Med/PIP claims	$1626	$271
Failure to wear a seat belt	$1744	$297
Driving without lights	$1763	$294
Child safety restraint	$1772	$301
Two comp claims	$1772	$295
Failure to show documents	$1799	$306
Speeding 6 - 10 MPH over limit	$1836	$306
Driving with expired registration	$1845	$314
Speeding 11 - 15 MPH over limit	$1882	$314
Driving too slowly	$1891	$321
Failure to yield	$1891	$315
Illegal turn	$1891	$321
At-fault accident - less than $1000	$1908	$318
Failure to stop at a red light	$1908	$324
Following too closely	$1908	$318
Speeding 16 - 20 MPH over limit	$1917	$326
Speeding in school zone	$1917	$320
Improper passing	$1926	$327
Wrong way/wrong lane	$1926	$321
Cell phone violation	$1963	$334
Texting while driving	$1963	$327
Passing school bus	$1981	$337
In 65 MPH zone	$1991	$332
Speeding 21 - 25 MPH over limit	$2009	$341
Operating a vehicle without permission	$2046	$341
At-fault accident - $1000-$2000	$2173	$369
At-fault accident - greater than $2000	$2208	$369
Open container	$2281	$389
Reckless driving	$2645	$441
Racing	$2671	$454
Driving with a suspended license	$2726	$454
Refusal to submit to a chemical test	$2745	$467
DUI	$2754	$459
Leaving scene of an accident/hit and run	$2782	$473

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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 Dixmoor 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 Dixmoor.

The cheapest car insurance premiums in Dixmoor are offered by Mercury at $346 for a six-month policy. However, it can be as expensive as $3898 with companies like Farmers.

Dixmoor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$346	$58
American Family	$364	$61
Travelers	$973	$164
Progressive	$1172	$197
Erie	$1400	$236
Country Financial	$1626	$274
USAA	$2235	$376
State Farm	$2300	$387
Auto-Owners	$2427	$413
Allstate	$3854	$649
Farmers	$3898	$662

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 Dixmoor are offered by Westfield at $291. However, it can be as expensive as $7144 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dixmoor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$291	$49
Auto-Owners Insurance Co	$327	$55
Mercury	$355	$60
American Family	$364	$61
Hanover	$436	$73
Erie	$909	$153
Country Financial	$1091	$184
Travelers	$1382	$230
Auto-Owners	$1400	$239
State Farm	$1753	$292
USAA	$1935	$329
Progressive	$1981	$330
Allstate	$4126	$702
Farmers	$7144	$1190

Car Insurance Price Trends in Dixmoor, Illinois

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

The average cost of full coverage in the Dixmoor remained steady at $259 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Dixmoor remained steady at $78 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Dixmoor?

The car insurance in Dixmoor is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Dixmoor?

The cheapest car insurance in Dixmoor is $93 per month for full coverage.

How much is car insurance in Dixmoor for teenagers?

Car insurance for teenagers costs $291 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 Dixmoor?

The average cost of car insurance is $866 for a six-month policy. It will cost around $223 per month to insure your car in Dixmoor.

Is car insurance expensive in Dixmoor?

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

Cheapest Car Insurance Quotes in Dixmoor

Why you can trust Way?

How Much Is Car Insurance in Dixmoor

Avg. Car Insurance in Dixmoor

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Dixmoor

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Dixmoor Car Insurance Rates by Company

Cheap Car Insurance Companies in Dixmoor, IL

Way's key takeaways about car insurance in Dixmoor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dixmoor

Cheapest Liability Coverage in Dixmoor, IL

Cheapest Full Coverage Car Insurance in Dixmoor

Cheapest Full Coverage Car Insurance Quotes in Dixmoor, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dixmoor by Rating Factor

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

Car Insurance Premiums by Age in Dixmoor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dixmoor,IL

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

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 Dixmoor

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

Dixmoor Car Insurance Rates by Violation

Dixmoor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dixmoor after a DUI

Dixmoor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dixmoor after Speeding ticket

Car Insurance Price Trends in Dixmoor, Illinois

Average Car Insurance Cost in Dixmoor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dixmoor, IL

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

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