Cheapest Car Insurance Quotes in Earlville

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Earlville 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 Earlville

The car insurance rate in Earlville is $819 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $335, making it a popular choice for budget-conscious drivers. Rates in Earlville 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 Earlville

$819

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Earlville

1st place: American Family

At $335 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 $419 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $475 for six months, making it the third cheapest auto insurance company in Earlville.

Earlville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Earlville, IL is American Family, offering policies at just $335 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $419.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $883 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Earlville drivers find the best deals.

Cheap Car Insurance Companies in Earlville, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$335	$57
Auto-Owners Insurance Co	$419	$70
Westfield	$475	$81
Travelers	$608	$102
Country Financial	$648	$109
Erie	$754	$127
USAA	$899	$151
Auto-Owners	$927	$156
Progressive	$949	$160
State Farm	$1022	$172
Farmers	$1122	$191
Allstate	$1614	$272
Hanover	$883	$147

Key Takeaways

Way's key takeaways about car insurance in Earlville

The auto insurance costs in Earlville fall around $335 for six months.
The cheapest auto insurance company in Earlville is Mercury.
Teen drivers pay the highest rate in Earlville at $55 per month.

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

Cheapest Minimum Liability Car Insurance in Earlville

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 Earlville are given below.

Mercury provides the cheapest minimum car insurance coverage in Earlville. Their Average 6 Month Premium is $140. AAA is the most expensive at $240 for the same period.

Cheapest Liability Coverage in Earlville, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$140	$24
Westfield	$150	$25
Auto-Owners Insurance Co	$179	$30
American Family	$190	$32
Erie	$234	$39
Travelers	$257	$43
Auto-Owners	$262	$44
Country Financial	$262	$44
USAA	$324	$55
State Farm	$346	$58
Progressive	$363	$61
Allstate	$536	$90
Farmers	$698	$118
Hanover	$167	$28
AAA	$240	$40

Cheapest Full Coverage Car Insurance in Earlville

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 Earlville is American Family at $57 per month and $335 for six months.

Cheapest Full Coverage Car Insurance Quotes in Earlville, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$335	$57
Auto-Owners Insurance Co	$419	$70
Westfield	$475	$81
Travelers	$608	$102
Country Financial	$648	$109
Erie	$754	$127
USAA	$899	$151
Auto-Owners	$927	$156
Progressive	$949	$160
State Farm	$1022	$172
Farmers	$1122	$191
Allstate	$1614	$272
Hanover	$883	$147

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Average Car Insurance in Earlville 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 Earlville, IL increasing?

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

Car Insurance Premiums by Age in Earlville

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 Earlville,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Earlville at $30 per month. At $319 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
American Family	$207	$35
Mercury	$207	$35
Auto-Owners Insurance Co	$224	$38
Farmers	$363	$60
Country Financial	$1016	$171
Travelers	$1061	$179
Erie	$1206	$203
USAA	$1831	$308
Auto-Owners	$1999	$340
Progressive	$2814	$474
State Farm	$3479	$586
Allstate	$3797	$639
AAA	$319	$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 Earlville, Mercury is the cheapest car insurance provider. At $212 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 Earlville is Farmers, offering rates of around $2731 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$212	$36
Westfield	$279	$47
American Family	$352	$60
Hanover	$374	$62
Travelers	$670	$113
Country Financial	$754	$127
Progressive	$932	$157
USAA	$1653	$275
Erie	$1798	$306
Auto-Owners	$2558	$426
Allstate	$2926	$497
State Farm	$4366	$728
Farmers	$2731	$464

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Car Insurance Rates with An Accident in Earlville

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

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

The cheapest car insurance companies after an at-fault accident in Earlville include American Family and AutoOwners Insurance Co, offering $224 and $234, respectively. AAA is an expensive provider with an average six-month premium of $397.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Auto-Owners Insurance Co	$234	$39
Westfield	$240	$40
Mercury	$307	$53
Farmers	$458	$76
Travelers	$564	$95
Erie	$698	$118
Country Financial	$743	$125
State Farm	$938	$158
USAA	$1005	$169
Auto-Owners	$1050	$175
Progressive	$1418	$239
Allstate	$2752	$463
AAA	$397	$68

Earlville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Earlville IL. For example, the car insurance in Earlville after a DUI increases to $771 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Earlville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$921	$153
One Med/PIP claim	$927	$158
Not-at-fault accident	$978	$163
One comp claim	$999	$170
Two Med/PIP claims	$999	$166
Failure to wear a seat belt	$1072	$182
Driving without lights	$1083	$180
Child safety restraint	$1089	$185
Two comp claims	$1089	$181
Failure to show documents	$1105	$188
Speeding 6 - 10 MPH over limit	$1128	$188
Driving with expired registration	$1134	$193
Speeding 11 - 15 MPH over limit	$1156	$193
Driving too slowly	$1162	$197
Failure to yield	$1162	$194
Illegal turn	$1162	$197
At-fault accident - less than $1000	$1172	$196
Failure to stop at a red light	$1172	$199
Following too closely	$1172	$196
Speeding 16 - 20 MPH over limit	$1178	$200
Speeding in school zone	$1178	$196
Improper passing	$1183	$201
Wrong way/wrong lane	$1183	$197
Cell phone violation	$1206	$205
Texting while driving	$1206	$201
Passing school bus	$1217	$207
In 65 MPH zone	$1223	$204
Speeding 21 - 25 MPH over limit	$1234	$210
Operating a vehicle without permission	$1257	$210
At-fault accident - $1000-$2000	$1335	$227
At-fault accident - greater than $2000	$1356	$227
Open container	$1402	$239
Reckless driving	$1625	$271
Racing	$1641	$279
Driving with a suspended license	$1675	$279
Refusal to submit to a chemical test	$1686	$287
DUI	$1692	$282
Leaving scene of an accident/hit and run	$1709	$290

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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 Earlville 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 Earlville.

The cheapest car insurance premiums in Earlville are offered by Mercury at $212 for a six-month policy. However, it can be as expensive as $2395 with companies like Farmers.

Earlville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$212	$36
American Family	$224	$38
Travelers	$598	$101
Progressive	$720	$121
Erie	$860	$145
Country Financial	$999	$168
USAA	$1373	$231
State Farm	$1413	$238
Auto-Owners	$1491	$254
Allstate	$2368	$399
Farmers	$2395	$407

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 Earlville are offered by Westfield at $179. However, it can be as expensive as $4389 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Earlville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Auto-Owners Insurance Co	$201	$34
Mercury	$218	$37
American Family	$224	$38
Hanover	$268	$45
Erie	$558	$94
Country Financial	$670	$113
Travelers	$849	$141
Auto-Owners	$860	$147
State Farm	$1077	$180
USAA	$1189	$202
Progressive	$1217	$203
Allstate	$2535	$431
Farmers	$4389	$731

Car Insurance Price Trends in Earlville, Illinois

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

The average cost of full coverage in the Earlville dipped by $159 in January compared to $181 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 Earlville 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 Earlville?

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

What is the cheapest car insurance in Earlville?

The cheapest car insurance in Earlville is $57 per month for full coverage.

How much is car insurance in Earlville for teenagers?

Car insurance for teenagers costs $179 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 Earlville?

The average cost of car insurance is $871 for a six-month policy. It will cost around $137 per month to insure your car in Earlville.

Is car insurance expensive in Earlville?

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

Cheapest Car Insurance Quotes in Earlville

Why you can trust Way?

How Much Is Car Insurance in Earlville

Avg. Car Insurance in Earlville

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Earlville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Earlville Car Insurance Rates by Company

Cheap Car Insurance Companies in Earlville, IL

Way's key takeaways about car insurance in Earlville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Earlville

Cheapest Liability Coverage in Earlville, IL

Cheapest Full Coverage Car Insurance in Earlville

Cheapest Full Coverage Car Insurance Quotes in Earlville, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Earlville by Rating Factor

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

Car Insurance Premiums by Age in Earlville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Earlville,IL

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

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 Earlville

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

Earlville Car Insurance Rates by Violation

Earlville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Earlville after a DUI

Earlville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Earlville after Speeding ticket

Car Insurance Price Trends in Earlville, Illinois

Average Car Insurance Cost in Earlville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Earlville, IL

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

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