Cheapest Car Insurance Quotes in Dwight

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406,175 Policies Sold

Dwight Car Insurance

^$ 24

/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 Dwight

The car insurance rate in Dwight is $827 for a six-month policy, which is $44 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $338, making it a popular choice for budget-conscious drivers. Rates in Dwight 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 Dwight

$827

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Dwight

1st place: American Family

At $338 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 $424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $480 for six months, making it the third cheapest auto insurance company in Dwight.

Dwight Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dwight, IL is American Family, offering policies at just $338 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $424.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $892 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dwight drivers find the best deals.

Cheap Car Insurance Companies in Dwight, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$338	$58
Auto-Owners Insurance Co	$424	$70
Westfield	$480	$82
Travelers	$615	$104
Country Financial	$655	$110
Erie	$762	$128
USAA	$908	$153
Auto-Owners	$937	$158
Progressive	$960	$162
State Farm	$1033	$174
Farmers	$1134	$193
Allstate	$1631	$275
Hanover	$892	$148

Key Takeaways

Way's key takeaways about car insurance in Dwight

The auto insurance costs in Dwight fall around $338 for six months.
The cheapest auto insurance company in Dwight is Mercury.
Teen drivers pay the highest rate in Dwight at $55 per month.

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Cheapest Minimum Liability Car Insurance in Dwight

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 Dwight are given below.

Mercury provides the cheapest minimum car insurance coverage in Dwight. Their Average 6 Month Premium is $142. AAA is the most expensive at $242 for the same period.

Cheapest Liability Coverage in Dwight, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$142	$24
Westfield	$152	$26
Auto-Owners Insurance Co	$181	$30
American Family	$192	$32
Erie	$237	$40
Travelers	$259	$44
Auto-Owners	$265	$45
Country Financial	$265	$45
USAA	$328	$55
State Farm	$350	$59
Progressive	$367	$62
Allstate	$542	$91
Farmers	$706	$120
Hanover	$169	$29
AAA	$242	$41

Cheapest Full Coverage Car Insurance in Dwight

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 Dwight is American Family at $58 per month and $338 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dwight, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$338	$58
Auto-Owners Insurance Co	$424	$70
Westfield	$480	$82
Travelers	$615	$104
Country Financial	$655	$110
Erie	$762	$128
USAA	$908	$153
Auto-Owners	$937	$158
Progressive	$960	$162
State Farm	$1033	$174
Farmers	$1134	$193
Allstate	$1631	$275
Hanover	$892	$148

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Average Car Insurance in Dwight 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 Dwight, IL increasing?

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

Car Insurance Premiums by Age in Dwight

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 Dwight,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Dwight at $30 per month. At $322 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
American Family	$209	$35
Mercury	$209	$35
Auto-Owners Insurance Co	$226	$38
Farmers	$367	$61
Country Financial	$1027	$173
Travelers	$1073	$181
Erie	$1219	$205
USAA	$1851	$312
Auto-Owners	$2021	$344
Progressive	$2844	$479
State Farm	$3516	$592
Allstate	$3837	$646
AAA	$322	$55

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 Dwight, Mercury is the cheapest car insurance provider. At $215 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 Dwight is Farmers, offering rates of around $2760 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$215	$36
Westfield	$282	$48
American Family	$355	$61
Hanover	$378	$63
Travelers	$677	$114
Country Financial	$762	$128
Progressive	$942	$159
USAA	$1670	$278
Erie	$1817	$309
Auto-Owners	$2585	$430
Allstate	$2957	$503
State Farm	$4413	$735
Farmers	$2760	$469

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Car Insurance Rates with An Accident in Dwight

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

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

The cheapest car insurance companies after an at-fault accident in Dwight include American Family and AutoOwners Insurance Co, offering $226 and $237, respectively. AAA is an expensive provider with an average six-month premium of $401.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$226	$38
Auto-Owners Insurance Co	$237	$40
Westfield	$242	$41
Mercury	$311	$53
Farmers	$463	$77
Travelers	$570	$96
Erie	$706	$119
Country Financial	$751	$126
State Farm	$948	$160
USAA	$1016	$171
Auto-Owners	$1061	$177
Progressive	$1434	$241
Allstate	$2782	$468
AAA	$401	$68

Dwight Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dwight IL. For example, the car insurance in Dwight after a DUI increases to $779 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Dwight auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$931	$155
One Med/PIP claim	$937	$160
Not-at-fault accident	$988	$164
One comp claim	$1010	$172
Two Med/PIP claims	$1010	$168
Failure to wear a seat belt	$1083	$184
Driving without lights	$1094	$182
Child safety restraint	$1100	$187
Two comp claims	$1100	$183
Failure to show documents	$1117	$190
Speeding 6 - 10 MPH over limit	$1140	$190
Driving with expired registration	$1146	$195
Speeding 11 - 15 MPH over limit	$1169	$195
Driving too slowly	$1174	$200
Failure to yield	$1174	$196
Illegal turn	$1174	$200
At-fault accident - less than $1000	$1185	$198
Failure to stop at a red light	$1185	$201
Following too closely	$1185	$198
Speeding 16 - 20 MPH over limit	$1190	$202
Speeding in school zone	$1190	$199
Improper passing	$1196	$203
Wrong way/wrong lane	$1196	$200
Cell phone violation	$1219	$207
Texting while driving	$1219	$203
Passing school bus	$1230	$209
In 65 MPH zone	$1236	$206
Speeding 21 - 25 MPH over limit	$1247	$212
Operating a vehicle without permission	$1270	$212
At-fault accident - $1000-$2000	$1349	$229
At-fault accident - greater than $2000	$1371	$229
Open container	$1416	$241
Reckless driving	$1643	$274
Racing	$1659	$282
Driving with a suspended license	$1693	$282
Refusal to submit to a chemical test	$1704	$290
DUI	$1710	$285
Leaving scene of an accident/hit and run	$1727	$294

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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 Dwight 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 Dwight.

The cheapest car insurance premiums in Dwight are offered by Mercury at $215 for a six-month policy. However, it can be as expensive as $2421 with companies like Farmers.

Dwight car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$215	$36
American Family	$226	$38
Travelers	$604	$102
Progressive	$728	$123
Erie	$869	$146
Country Financial	$1010	$170
USAA	$1388	$234
State Farm	$1428	$240
Auto-Owners	$1507	$257
Allstate	$2393	$403
Farmers	$2421	$411

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 Dwight are offered by Westfield at $181. However, it can be as expensive as $4436 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dwight after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
Auto-Owners Insurance Co	$203	$34
Mercury	$220	$37
American Family	$226	$38
Hanover	$271	$46
Erie	$564	$95
Country Financial	$677	$114
Travelers	$858	$143
Auto-Owners	$869	$148
State Farm	$1089	$181
USAA	$1202	$204
Progressive	$1230	$205
Allstate	$2562	$436
Farmers	$4436	$739

Car Insurance Price Trends in Dwight, Illinois

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

The average cost of full coverage in the Dwight dipped by $161 in January compared to $183 of December. In other words, there has been an decrease by $22 when you compare January and December.

The average cost of liability insurance in the Dwight dipped to $48 in January, compared to $50 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 Dwight?

The car insurance in Dwight is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Dwight?

The cheapest car insurance in Dwight is $58 per month for full coverage.

How much is car insurance in Dwight for teenagers?

Car insurance for teenagers costs $181 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 Dwight?

The average cost of car insurance is $871 for a six-month policy. It will cost around $139 per month to insure your car in Dwight.

Is car insurance expensive in Dwight?

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

Cheapest Car Insurance Quotes in Dwight

Why you can trust Way?

How Much Is Car Insurance in Dwight

Avg. Car Insurance in Dwight

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Dwight

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Dwight Car Insurance Rates by Company

Cheap Car Insurance Companies in Dwight, IL

Way's key takeaways about car insurance in Dwight

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dwight

Cheapest Liability Coverage in Dwight, IL

Cheapest Full Coverage Car Insurance in Dwight

Cheapest Full Coverage Car Insurance Quotes in Dwight, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dwight by Rating Factor

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

Car Insurance Premiums by Age in Dwight

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dwight,IL

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

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 Dwight

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

Dwight Car Insurance Rates by Violation

Dwight auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dwight after a DUI

Dwight car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dwight after Speeding ticket

Car Insurance Price Trends in Dwight, Illinois

Average Car Insurance Cost in Dwight by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dwight, IL

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

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