Cheapest Car Insurance Quotes in Dolton

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Dolton 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 Dolton

The car insurance rate in Dolton is $1330 for a six-month policy, which is $461 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $682, 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

$1330

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Dolton

1st place: AutoOwners Insurance Co

At $682 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 $773 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 $809 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 AutoOwners Insurance Co, offering policies at just $682 for a six-month term. This is followed by Westfield, which has an average six-month premium of $773.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1236 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
Auto-Owners Insurance Co	$682	$116
Westfield	$773	$129
Country Financial	$809	$136
Travelers	$964	$162
American Family	$1118	$188
Erie	$1172	$196
USAA	$1382	$233
State Farm	$1391	$234
Progressive	$1527	$257
Auto-Owners	$1608	$268
Allstate	$2309	$389
Farmers	$2309	$389
Hanover	$1437	$239
Mercury	$1227	$205
Hastings Mutual	$1236	$210

Key Takeaways

Way's key takeaways about car insurance in Dolton

The auto insurance costs in Dolton fall around $682 for six months.
The cheapest auto insurance company in Dolton is Mercury.
Teen drivers pay the highest rate in Dolton at $89 per month.

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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 $228. First Chicago is the most expensive at $300 for the same period.

Cheapest Liability Coverage in Dolton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$228	$38
Westfield	$245	$41
Auto-Owners Insurance Co	$291	$49
Country Financial	$309	$52
Erie	$381	$64
Auto-Owners	$418	$70
Travelers	$418	$70
American Family	$482	$81
State Farm	$482	$81
USAA	$509	$86
Progressive	$591	$99
Allstate	$927	$156
Farmers	$1137	$193
Hanover	$272	$46
AAA	$390	$66
First Chicago	$300	$50

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 AutoOwners Insurance Co at $116 per month and $682 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dolton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$682	$116
Westfield	$773	$129
Country Financial	$809	$136
Travelers	$964	$162
American Family	$1118	$188
Erie	$1172	$196
USAA	$1382	$233
State Farm	$1391	$234
Progressive	$1527	$257
Auto-Owners	$1608	$268
Allstate	$2309	$389
Farmers	$2309	$389
Hanover	$1437	$239
Mercury	$1227	$205
Hastings Mutual	$1236	$210

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$1082
30s	Auto-Owners	$748
40s	Auto-Owners	$734
50s	Auto-Owners	$693
60s	Auto-Owners	$728
70s	Auto-Owners	$924

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 $49 per month. At $519 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$291	$49
Mercury	$337	$57
Auto-Owners Insurance Co	$364	$61
Country Financial	$1236	$208
Erie	$1518	$256
Travelers	$1608	$271
USAA	$2800	$471
American Family	$3354	$565
State Farm	$4826	$812
Progressive	$4835	$814
Allstate	$5617	$946
Farmers	$5716	$962
AAA	$519	$89

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 Dolton.

As young drivers face the highest rates in Dolton, AutoOwners offers the cheapest auto insurance rates at $1082 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 Dolton, 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 Dolton is State Farm, offering rates of around $4754 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$346	$58
Westfield	$454	$78
Hanover	$609	$101
Country Financial	$909	$153
Travelers	$1008	$170
Progressive	$1444	$243
American Family	$1772	$298
USAA	$2353	$401
Allstate	$3863	$644
Farmers	$4445	$756
State Farm	$4754	$793

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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 AutoOwners Insurance Co and Westfield, offering $381 and $390, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $454.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$381	$64
Westfield	$390	$66
Mercury	$500	$83
Travelers	$872	$147
Erie	$881	$148
Country Financial	$890	$150
State Farm	$1317	$222
USAA	$1354	$228
American Family	$1518	$256
Progressive	$2191	$369
Farmers	$2417	$407
Allstate	$4009	$675
AAA	$646	$110
First Chicago	$418	$70
Hastings Mutual	$454	$78

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 $1255 for a six month policy. While the rate increases by $337 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	$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 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 $346 for a six-month policy. However, it can be as expensive as $3898 with companies like Farmers.

Dolton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$346	$58
Travelers	$927	$156
Erie	$1073	$181
Progressive	$1118	$188
Country Financial	$1409	$237
American Family	$1718	$289
State Farm	$1864	$314
USAA	$2182	$367
Allstate	$3426	$577
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 Dolton 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 Dolton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$291	$49
Auto-Owners Insurance Co	$327	$55
Mercury	$355	$60
Erie	$381	$64
Hanover	$436	$73
Country Financial	$918	$155
USAA	$1190	$199
State Farm	$1626	$277
Travelers	$1845	$308
Progressive	$1908	$324
American Family	$2118	$356
Allstate	$6071	$1033
Farmers	$7144	$1190

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 rose by $295 in December compared to $292 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Dolton rose to $81 in December, compared to $78 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Dolton?

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

What is the cheapest car insurance in Dolton?

The cheapest car insurance in Dolton is $116 per month for full coverage.

How much is car insurance in Dolton 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 Dolton?

The average cost of car insurance is $869 for a six-month policy. It will cost around $222 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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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