Cheapest Car Insurance Quotes in East Galesburg

Finding the cheapest car insurance quotes in East Galesburg shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

East Galesburg Car Insurance

^$ 25

/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 East Galesburg

The car insurance rate in East Galesburg is $854 for a six-month policy, which is $17 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $349, making it a popular choice for budget-conscious drivers. Rates in East Galesburg 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 East Galesburg

$854

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in East Galesburg

1st place: American Family

At $349 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 $437 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $495 for six months, making it the third cheapest auto insurance company in East Galesburg.

East Galesburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Galesburg, IL is American Family, offering policies at just $349 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $437.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $920 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Galesburg drivers find the best deals.

Cheap Car Insurance Companies in East Galesburg, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$349	$60
Auto-Owners Insurance Co	$437	$73
Westfield	$495	$84
Travelers	$634	$107
Country Financial	$675	$114
Erie	$786	$132
USAA	$937	$158
Auto-Owners	$966	$163
Progressive	$990	$167
State Farm	$1065	$179
Farmers	$1170	$199
Allstate	$1683	$283
Hanover	$920	$153

Key Takeaways

Way's key takeaways about car insurance in East Galesburg

The auto insurance costs in East Galesburg fall around $349 for six months.
The cheapest auto insurance company in East Galesburg is Mercury.
Teen drivers pay the highest rate in East Galesburg at $57 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in East Galesburg

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 East Galesburg are given below.

Mercury provides the cheapest minimum car insurance coverage in East Galesburg. Their Average 6 Month Premium is $146. AAA is the most expensive at $250 for the same period.

Cheapest Liability Coverage in East Galesburg, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$146	$25
Westfield	$157	$26
Auto-Owners Insurance Co	$186	$31
American Family	$198	$33
Erie	$244	$41
Travelers	$268	$45
Auto-Owners	$273	$46
Country Financial	$273	$46
USAA	$338	$57
State Farm	$361	$61
Progressive	$378	$64
Allstate	$559	$94
Farmers	$728	$123
Hanover	$174	$29
AAA	$250	$42

Cheapest Full Coverage Car Insurance in East Galesburg

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 East Galesburg is American Family at $60 per month and $349 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Galesburg, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$349	$60
Auto-Owners Insurance Co	$437	$73
Westfield	$495	$84
Travelers	$634	$107
Country Financial	$675	$114
Erie	$786	$132
USAA	$937	$158
Auto-Owners	$966	$163
Progressive	$990	$167
State Farm	$1065	$179
Farmers	$1170	$199
Allstate	$1683	$283
Hanover	$920	$153

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in East Galesburg Instantly!

Average Car Insurance in East Galesburg 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 East Galesburg, IL increasing?

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

Car Insurance Premiums by Age in East Galesburg

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in East Galesburg,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the East Galesburg at $31 per month. At $332 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
American Family	$216	$36
Mercury	$216	$36
Auto-Owners Insurance Co	$233	$39
Farmers	$378	$63
Country Financial	$1059	$178
Travelers	$1106	$186
Erie	$1257	$212
USAA	$1909	$321
Auto-Owners	$2084	$355
Progressive	$2934	$494
State Farm	$3627	$611
Allstate	$3958	$666
AAA	$332	$57

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 East Galesburg, Mercury is the cheapest car insurance provider. At $221 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 East Galesburg is Farmers, offering rates of around $2847 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$221	$37
Westfield	$291	$49
American Family	$367	$63
Hanover	$390	$65
Travelers	$699	$118
Country Financial	$786	$132
Progressive	$972	$164
USAA	$1723	$287
Erie	$1875	$319
Auto-Owners	$2667	$444
Allstate	$3051	$518
State Farm	$4552	$759
Farmers	$2847	$484

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in East Galesburg

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

Cheapest Car Insurance Companies after an At-Fault Accident in East Galesburg

The cheapest car insurance companies after an at-fault accident in East Galesburg include American Family and AutoOwners Insurance Co, offering $233 and $244, respectively. AAA is an expensive provider with an average six-month premium of $414.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$233	$39
Auto-Owners Insurance Co	$244	$41
Westfield	$250	$42
Mercury	$320	$55
Farmers	$477	$79
Travelers	$588	$99
Erie	$728	$123
Country Financial	$774	$130
State Farm	$978	$165
USAA	$1048	$176
Auto-Owners	$1095	$182
Progressive	$1479	$249
Allstate	$2869	$483
AAA	$414	$71

East Galesburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Galesburg IL. For example, the car insurance in East Galesburg after a DUI increases to $804 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

East Galesburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$960	$160
One Med/PIP claim	$966	$165
Not-at-fault accident	$1019	$170
One comp claim	$1042	$177
Two Med/PIP claims	$1042	$173
Failure to wear a seat belt	$1117	$190
Driving without lights	$1129	$188
Child safety restraint	$1135	$193
Two comp claims	$1135	$189
Failure to show documents	$1152	$196
Speeding 6 - 10 MPH over limit	$1176	$196
Driving with expired registration	$1182	$201
Speeding 11 - 15 MPH over limit	$1205	$201
Driving too slowly	$1211	$206
Failure to yield	$1211	$202
Illegal turn	$1211	$206
At-fault accident - less than $1000	$1222	$204
Failure to stop at a red light	$1222	$208
Following too closely	$1222	$204
Speeding 16 - 20 MPH over limit	$1228	$209
Speeding in school zone	$1228	$205
Improper passing	$1234	$210
Wrong way/wrong lane	$1234	$206
Cell phone violation	$1257	$214
Texting while driving	$1257	$210
Passing school bus	$1269	$216
In 65 MPH zone	$1275	$213
Speeding 21 - 25 MPH over limit	$1287	$219
Operating a vehicle without permission	$1310	$219
At-fault accident - $1000-$2000	$1392	$236
At-fault accident - greater than $2000	$1414	$236
Open container	$1461	$249
Reckless driving	$1694	$282
Racing	$1711	$291
Driving with a suspended license	$1746	$291
Refusal to submit to a chemical test	$1758	$299
DUI	$1764	$294
Leaving scene of an accident/hit and run	$1782	$303

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 East Galesburg 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 East Galesburg.

The cheapest car insurance premiums in East Galesburg are offered by Mercury at $221 for a six-month policy. However, it can be as expensive as $2497 with companies like Farmers.

East Galesburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$221	$37
American Family	$233	$39
Travelers	$623	$105
Progressive	$751	$126
Erie	$897	$151
Country Financial	$1042	$175
USAA	$1432	$241
State Farm	$1473	$248
Auto-Owners	$1554	$265
Allstate	$2469	$416
Farmers	$2497	$424

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 East Galesburg are offered by Westfield at $186. However, it can be as expensive as $4576 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in East Galesburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
Auto-Owners Insurance Co	$210	$35
Mercury	$227	$38
American Family	$233	$39
Hanover	$279	$47
Erie	$582	$98
Country Financial	$699	$118
Travelers	$885	$147
Auto-Owners	$897	$153
State Farm	$1123	$187
USAA	$1240	$211
Progressive	$1269	$212
Allstate	$2643	$450
Farmers	$4576	$762

Car Insurance Price Trends in East Galesburg, Illinois

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

The average cost of full coverage in the East Galesburg dipped by $166 in January compared to $189 of December. In other words, there has been an decrease by $23 when you compare January and December.

The average cost of liability insurance in the East Galesburg dipped to $50 in January, compared to $52 in December. This represents an decrease of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in East Galesburg?

The car insurance in East Galesburg is $25 per month, which is lower than the national average.

What is the cheapest car insurance in East Galesburg?

The cheapest car insurance in East Galesburg is $60 per month for full coverage.

How much is car insurance in East Galesburg for teenagers?

Car insurance for teenagers costs $186 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 East Galesburg?

The average cost of car insurance is $871 for a six-month policy. It will cost around $143 per month to insure your car in East Galesburg.

Is car insurance expensive in East Galesburg?

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

Cheapest Car Insurance Quotes in East Galesburg

Why you can trust Way?

How Much Is Car Insurance in East Galesburg

Avg. Car Insurance in East Galesburg

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in East Galesburg

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

East Galesburg Car Insurance Rates by Company

Cheap Car Insurance Companies in East Galesburg, IL

Way's key takeaways about car insurance in East Galesburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Galesburg

Cheapest Liability Coverage in East Galesburg, IL

Cheapest Full Coverage Car Insurance in East Galesburg

Cheapest Full Coverage Car Insurance Quotes in East Galesburg, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Galesburg by Rating Factor

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

Car Insurance Premiums by Age in East Galesburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Galesburg,IL

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

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 East Galesburg

Cheapest Car Insurance Companies after an At-Fault Accident in East Galesburg

East Galesburg Car Insurance Rates by Violation

East Galesburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Galesburg after a DUI

East Galesburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Galesburg after Speeding ticket

Car Insurance Price Trends in East Galesburg, Illinois

Average Car Insurance Cost in East Galesburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Galesburg, IL

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

Featured Blogs

Data Sources