Cheapest Car Insurance Quotes in Dowell

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Dowell 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 Dowell

The car insurance rate in Dowell is $904 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 $464, making it a popular choice for budget-conscious drivers. Rates in Dowell 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 Dowell

$904

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Dowell

1st place: AutoOwners Insurance Co

At $464 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 $525 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 $550 for six months, making it the third cheapest auto insurance company in Dowell.

Dowell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dowell, IL is AutoOwners Insurance Co, offering policies at just $464 for a six-month term. This is followed by Westfield, which has an average six-month premium of $525.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $840 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dowell drivers find the best deals.

Cheap Car Insurance Companies in Dowell, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$464	$79
Westfield	$525	$87
Country Financial	$550	$93
Travelers	$655	$110
American Family	$760	$128
Erie	$797	$133
USAA	$939	$158
State Farm	$945	$159
Progressive	$1038	$175
Auto-Owners	$1093	$182
Allstate	$1569	$264
Farmers	$1569	$264
Hanover	$977	$162
Mercury	$834	$139
Hastings Mutual	$840	$142

Key Takeaways

Way's key takeaways about car insurance in Dowell

The auto insurance costs in Dowell fall around $464 for six months.
The cheapest auto insurance company in Dowell is Mercury.
Teen drivers pay the highest rate in Dowell at $60 per month.

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Cheapest Minimum Liability Car Insurance in Dowell

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 Dowell are given below.

Mercury provides the cheapest minimum car insurance coverage in Dowell. Their Average 6 Month Premium is $155. First Chicago is the most expensive at $204 for the same period.

Cheapest Liability Coverage in Dowell, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$155	$26
Westfield	$166	$28
Auto-Owners Insurance Co	$198	$33
Country Financial	$210	$35
Erie	$259	$44
Auto-Owners	$284	$48
Travelers	$284	$48
American Family	$328	$55
State Farm	$328	$55
USAA	$346	$58
Progressive	$401	$68
Allstate	$630	$106
Farmers	$773	$131
Hanover	$185	$31
AAA	$265	$45
First Chicago	$204	$34

Cheapest Full Coverage Car Insurance in Dowell

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 Dowell is AutoOwners Insurance Co at $79 per month and $464 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dowell, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$464	$79
Westfield	$525	$87
Country Financial	$550	$93
Travelers	$655	$110
American Family	$760	$128
Erie	$797	$133
USAA	$939	$158
State Farm	$945	$159
Progressive	$1038	$175
Auto-Owners	$1093	$182
Allstate	$1569	$264
Farmers	$1569	$264
Hanover	$977	$162
Mercury	$834	$139
Hastings Mutual	$840	$142

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Average Car Insurance in Dowell 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 Dowell, IL increasing?

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

Car Insurance Premiums by Age in Dowell

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	$735
30s	Auto-Owners	$509
40s	Auto-Owners	$499
50s	Auto-Owners	$471
60s	Auto-Owners	$495
70s	Auto-Owners	$628

Cheapest Car Insurance Rates for Teen Drivers in Dowell,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Dowell 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
Mercury	$229	$38
Auto-Owners Insurance Co	$248	$42
Country Financial	$840	$141
Erie	$1032	$174
Travelers	$1093	$184
USAA	$1903	$320
American Family	$2280	$384
State Farm	$3280	$552
Progressive	$3286	$553
Allstate	$3818	$643
Farmers	$3885	$654
AAA	$353	$60

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 Dowell.

As young drivers face the highest rates in Dowell, AutoOwners offers the cheapest auto insurance rates at $735 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 Dowell, 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 Dowell is State Farm, offering rates of around $3231 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$235	$40
Westfield	$309	$53
Hanover	$414	$69
Country Financial	$618	$104
Travelers	$685	$115
Progressive	$982	$165
American Family	$1204	$203
USAA	$1600	$272
Allstate	$2626	$438
Farmers	$3021	$514
State Farm	$3231	$539

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Car Insurance Rates with An Accident in Dowell

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

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

The cheapest car insurance companies after an at-fault accident in Dowell include AutoOwners Insurance Co and Westfield, offering $259 and $265, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $309.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$259	$44
Westfield	$265	$45
Mercury	$340	$56
Travelers	$593	$100
Erie	$599	$101
Country Financial	$605	$102
State Farm	$895	$151
USAA	$920	$155
American Family	$1032	$174
Progressive	$1489	$251
Farmers	$1643	$277
Allstate	$2725	$459
AAA	$439	$75
First Chicago	$284	$48
Hastings Mutual	$309	$53

Dowell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dowell IL. For example, the car insurance in Dowell 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.

Dowell 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 Dowell 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 Dowell.

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

Dowell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$235	$40
Travelers	$630	$106
Erie	$729	$123
Progressive	$760	$128
Country Financial	$958	$161
American Family	$1168	$197
State Farm	$1267	$213
USAA	$1483	$250
Allstate	$2329	$392
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 Dowell 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 Dowell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
Auto-Owners Insurance Co	$223	$37
Mercury	$241	$41
Erie	$259	$44
Hanover	$296	$50
Country Financial	$624	$105
USAA	$809	$135
State Farm	$1106	$188
Travelers	$1254	$209
Progressive	$1297	$220
American Family	$1439	$242
Allstate	$4127	$702
Farmers	$4856	$809

Car Insurance Price Trends in Dowell, Illinois

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

The average cost of full coverage in the Dowell rose by $201 in December compared to $199 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 Dowell rose to $55 in December, compared to $53 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 Dowell?

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

What is the cheapest car insurance in Dowell?

The cheapest car insurance in Dowell is $79 per month for full coverage.

How much is car insurance in Dowell 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 Dowell?

The average cost of car insurance is $869 for a six-month policy. It will cost around $151 per month to insure your car in Dowell.

Is car insurance expensive in Dowell?

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

Cheapest Car Insurance Quotes in Dowell

Why you can trust Way?

How Much Is Car Insurance in Dowell

Avg. Car Insurance in Dowell

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Dowell

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Dowell Car Insurance Rates by Company

Cheap Car Insurance Companies in Dowell, IL

Way's key takeaways about car insurance in Dowell

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dowell

Cheapest Liability Coverage in Dowell, IL

Cheapest Full Coverage Car Insurance in Dowell

Cheapest Full Coverage Car Insurance Quotes in Dowell, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dowell by Rating Factor

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

Car Insurance Premiums by Age in Dowell

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dowell,IL

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

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 Dowell

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

Dowell Car Insurance Rates by Violation

Dowell auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dowell after a DUI

Dowell car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dowell after Speeding ticket

Car Insurance Price Trends in Dowell, Illinois

Average Car Insurance Cost in Dowell by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dowell, IL

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

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