Cheapest Car Insurance Quotes in Dolton

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Dolton Car Insurance

^$ 41

/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 Dolton

The car insurance rate in Dolton is $1420 for a six-month policy, which is $549 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $580, making it a popular choice for budget-conscious drivers. Rates in Dolton 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 Dolton

$1420

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Dolton

1st place: American Family

At $580 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 $727 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $823 for six months, making it the third cheapest auto insurance company in Dolton.

Dolton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dolton, IL is American Family, offering policies at just $580 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $727.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1531 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dolton drivers find the best deals.

Cheap Car Insurance Companies in Dolton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$580	$99
Auto-Owners Insurance Co	$727	$121
Westfield	$823	$140
Travelers	$1055	$178
Country Financial	$1123	$189
Erie	$1307	$220
USAA	$1558	$262
Auto-Owners	$1607	$271
Progressive	$1646	$277
State Farm	$1772	$298
Farmers	$1946	$331
Allstate	$2799	$471
Hanover	$1531	$254

Key Takeaways

Way's key takeaways about car insurance in Dolton

The auto insurance costs in Dolton fall around $580 for six months.
The cheapest auto insurance company in Dolton is Mercury.
Teen drivers pay the highest rate in Dolton at $95 per month.

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

Cheapest Minimum Liability Car Insurance in Dolton

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 Dolton are given below.

Mercury provides the cheapest minimum car insurance coverage in Dolton. Their Average 6 Month Premium is $243. AAA is the most expensive at $416 for the same period.

Cheapest Liability Coverage in Dolton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$243	$41
Westfield	$261	$44
Auto-Owners Insurance Co	$310	$52
American Family	$329	$55
Erie	$406	$68
Travelers	$445	$75
Auto-Owners	$455	$77
Country Financial	$455	$77
USAA	$562	$95
State Farm	$600	$101
Progressive	$629	$106
Allstate	$929	$156
Farmers	$1211	$205
Hanover	$290	$49
AAA	$416	$70

Cheapest Full Coverage Car Insurance in Dolton

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 Dolton is American Family at $99 per month and $580 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dolton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$580	$99
Auto-Owners Insurance Co	$727	$121
Westfield	$823	$140
Travelers	$1055	$178
Country Financial	$1123	$189
Erie	$1307	$220
USAA	$1558	$262
Auto-Owners	$1607	$271
Progressive	$1646	$277
State Farm	$1772	$298
Farmers	$1946	$331
Allstate	$2799	$471
Hanover	$1531	$254

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Average Car Insurance in Dolton 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 Dolton, IL increasing?

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

Car Insurance Premiums by Age in Dolton

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 Dolton,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Dolton at $52 per month. At $553 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$310	$52
American Family	$359	$60
Mercury	$359	$60
Auto-Owners Insurance Co	$388	$65
Farmers	$629	$104
Country Financial	$1762	$297
Travelers	$1840	$310
Erie	$2091	$352
USAA	$3175	$535
Auto-Owners	$3467	$590
Progressive	$4880	$822
State Farm	$6033	$1015
Allstate	$6584	$1108
AAA	$553	$95

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 Dolton, Mercury is the cheapest car insurance provider. At $368 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 Dolton is Farmers, offering rates of around $4735 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$368	$62
Westfield	$484	$82
American Family	$610	$104
Hanover	$649	$108
Travelers	$1162	$196
Country Financial	$1307	$220
Progressive	$1617	$272
USAA	$2866	$478
Erie	$3118	$530
Auto-Owners	$4435	$738
Allstate	$5074	$862
State Farm	$7571	$1262
Farmers	$4735	$805

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

Car Insurance Rates with An Accident in Dolton

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

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

The cheapest car insurance companies after an at-fault accident in Dolton include American Family and AutoOwners Insurance Co, offering $388 and $406, respectively. AAA is an expensive provider with an average six-month premium of $688.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$65
Auto-Owners Insurance Co	$406	$68
Westfield	$416	$70
Mercury	$533	$91
Farmers	$794	$132
Travelers	$978	$165
Erie	$1211	$204
Country Financial	$1288	$217
State Farm	$1627	$274
USAA	$1742	$293
Auto-Owners	$1821	$303
Progressive	$2460	$414
Allstate	$4773	$804
AAA	$688	$117

Dolton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dolton IL. For example, the car insurance in Dolton after a DUI increases to $1337 for a six month policy. While the rate increases by $359 for a six-month policy in the case of a speeding ticket.

Dolton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1597	$266
One Med/PIP claim	$1607	$274
Not-at-fault accident	$1695	$282
One comp claim	$1733	$295
Two Med/PIP claims	$1733	$289
Failure to wear a seat belt	$1858	$316
Driving without lights	$1878	$313
Child safety restraint	$1888	$321
Two comp claims	$1888	$315
Failure to show documents	$1917	$326
Speeding 6 - 10 MPH over limit	$1956	$326
Driving with expired registration	$1966	$334
Speeding 11 - 15 MPH over limit	$2005	$334
Driving too slowly	$2015	$342
Failure to yield	$2015	$336
Illegal turn	$2015	$342
At-fault accident - less than $1000	$2033	$339
Failure to stop at a red light	$2033	$346
Following too closely	$2033	$339
Speeding 16 - 20 MPH over limit	$2042	$347
Speeding in school zone	$2042	$341
Improper passing	$2052	$349
Wrong way/wrong lane	$2052	$342
Cell phone violation	$2091	$355
Texting while driving	$2091	$349
Passing school bus	$2111	$359
In 65 MPH zone	$2121	$354
Speeding 21 - 25 MPH over limit	$2140	$363
Operating a vehicle without permission	$2179	$363
At-fault accident - $1000-$2000	$2315	$393
At-fault accident - greater than $2000	$2352	$393
Open container	$2430	$414
Reckless driving	$2818	$469
Racing	$2846	$484
Driving with a suspended license	$2905	$484
Refusal to submit to a chemical test	$2924	$497
DUI	$2934	$489
Leaving scene of an accident/hit and run	$2963	$504

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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 Dolton 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 Dolton.

The cheapest car insurance premiums in Dolton are offered by Mercury at $368 for a six-month policy. However, it can be as expensive as $4153 with companies like Farmers.

Dolton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$368	$62
American Family	$388	$65
Travelers	$1037	$174
Progressive	$1249	$210
Erie	$1491	$251
Country Financial	$1733	$292
USAA	$2381	$401
State Farm	$2450	$412
Auto-Owners	$2585	$440
Allstate	$4106	$691
Farmers	$4153	$706

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 Dolton are offered by Westfield at $310. However, it can be as expensive as $7610 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dolton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$310	$52
Auto-Owners Insurance Co	$349	$59
Mercury	$378	$64
American Family	$388	$65
Hanover	$465	$78
Erie	$968	$163
Country Financial	$1162	$196
Travelers	$1472	$244
Auto-Owners	$1491	$254
State Farm	$1868	$311
USAA	$2062	$350
Progressive	$2111	$352
Allstate	$4396	$748
Farmers	$7610	$1268

Car Insurance Price Trends in Dolton, Illinois

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

The average cost of full coverage in the Dolton dipped by $275 in January compared to $315 of December. In other words, there has been an decrease by $40 when you compare January and December.

The average cost of liability insurance in the Dolton dipped to $83 in January, compared to $86 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Dolton?

The car insurance in Dolton is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Dolton?

The cheapest car insurance in Dolton is $99 per month for full coverage.

How much is car insurance in Dolton for teenagers?

Car insurance for teenagers costs $310 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 Dolton?

The average cost of car insurance is $871 for a six-month policy. It will cost around $238 per month to insure your car in Dolton.

Is car insurance expensive in Dolton?

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

Cheapest Car Insurance Quotes in Dolton

Why you can trust Way?

How Much Is Car Insurance in Dolton

Avg. Car Insurance in Dolton

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Dolton

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Dolton Car Insurance Rates by Company

Cheap Car Insurance Companies in Dolton, IL

Way's key takeaways about car insurance in Dolton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dolton

Cheapest Liability Coverage in Dolton, IL

Cheapest Full Coverage Car Insurance in Dolton

Cheapest Full Coverage Car Insurance Quotes in Dolton, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dolton by Rating Factor

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

Car Insurance Premiums by Age in Dolton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dolton,IL

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

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 Dolton

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

Dolton Car Insurance Rates by Violation

Dolton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dolton after a DUI

Dolton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dolton after Speeding ticket

Car Insurance Price Trends in Dolton, Illinois

Average Car Insurance Cost in Dolton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dolton, IL

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

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