Cheapest Car Insurance Quotes in East St. Louis

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East St. Louis Car Insurance

^$ 34

/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 St. Louis

The car insurance rate in East St. Louis is $1160 for a six-month policy, which is $294 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in East St. Louis 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 St. Louis

$1160

Avg. Car Insurance in Illinois

$866

National Average

$1278

Cheapest Car Insurance Companies in East St. Louis

1st place: American Family

At $477 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 $598 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $677 for six months, making it the third cheapest auto insurance company in East St. Louis.

East St. Louis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East St. Louis, IL is American Family, offering policies at just $477 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $598.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2301 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East St. Louis drivers find the best deals.

Cheap Car Insurance Companies in East St. Louis, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$477	$82
Auto-Owners Insurance Co	$598	$99
Westfield	$677	$115
Travelers	$867	$146
Country Financial	$923	$155
Erie	$1075	$181
USAA	$1281	$216
Auto-Owners	$1321	$222
Progressive	$1353	$228
State Farm	$1457	$245
Farmers	$1600	$272
Allstate	$2301	$387

Key Takeaways

Way's key takeaways about car insurance in East St. Louis

The auto insurance costs in East St. Louis fall around $477 for six months.
The cheapest auto insurance company in East St. Louis is Mercury.
Teen drivers pay the highest rate in East St. Louis at $911 per month.

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Cheapest Minimum Liability Car Insurance in East St. Louis

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 St. Louis are given below.

Mercury provides the cheapest minimum car insurance coverage in East St. Louis. Their Average 6 Month Premium is $200. Farmers is the most expensive at $996 for the same period.

Cheapest Liability Coverage in East St. Louis, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$200	$34
Westfield	$214	$36
Auto-Owners Insurance Co	$255	$43
American Family	$271	$46
Erie	$334	$56
Travelers	$366	$62
Auto-Owners	$374	$63
Country Financial	$374	$63
USAA	$462	$78
State Farm	$493	$83
Progressive	$517	$87
Allstate	$764	$129
Farmers	$996	$169

Cheapest Full Coverage Car Insurance in East St. Louis

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 St. Louis is American Family at $82 per month and $477 for six months.

Cheapest Full Coverage Car Insurance Quotes in East St. Louis, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$477	$82
Auto-Owners Insurance Co	$598	$99
Westfield	$677	$115
Travelers	$867	$146
Country Financial	$923	$155
Erie	$1075	$181
USAA	$1281	$216
Auto-Owners	$1321	$222
Progressive	$1353	$228
State Farm	$1457	$245
Farmers	$1600	$272
Allstate	$2301	$387

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Average Car Insurance in East St. Louis 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 St. Louis, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in East St. Louis, 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 St. Louis'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 St. Louis

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 East St. Louis,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the East St. Louis at $43 per month. At $5412 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$255	$43
American Family	$295	$50
Mercury	$295	$50
Auto-Owners Insurance Co	$319	$54
Farmers	$517	$86
Country Financial	$1449	$244
Travelers	$1513	$255
Erie	$1719	$289
USAA	$2610	$440
Auto-Owners	$2850	$485
Progressive	$4012	$675
State Farm	$4959	$835
Allstate	$5412	$911

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 St. Louis, Mercury is the cheapest car insurance provider. At $303 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 St. Louis is Farmers, offering rates of around $3893 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$303	$51
Westfield	$398	$67
American Family	$501	$86
Hanover	$533	$88
Travelers	$955	$161
Country Financial	$1075	$181
Progressive	$1329	$224
USAA	$2356	$393
Erie	$2563	$436
Auto-Owners	$3646	$607
Allstate	$4171	$709
State Farm	$6224	$1037
Farmers	$3893	$662

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

Car Insurance Rates with An Accident in East St. Louis

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

Cheapest Car Insurance Companies after an At-Fault Accident in East St. Louis

The cheapest car insurance companies after an at-fault accident in East St. Louis include American Family and AutoOwners Insurance Co, offering $319 and $334, respectively. Allstate is an expensive provider with an average six-month premium of $3924.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$319	$54
Auto-Owners Insurance Co	$334	$56
Westfield	$342	$58
Mercury	$438	$75
Farmers	$653	$109
Travelers	$804	$135
Erie	$996	$168
Country Financial	$1059	$178
State Farm	$1337	$225
USAA	$1432	$241
Auto-Owners	$1497	$249
Progressive	$2022	$340
Allstate	$3924	$661

East St. Louis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East St. Louis IL. For example, the car insurance in East St. Louis after a DUI increases to $1099 for a six month policy. While the rate increases by $295 for a six-month policy in the case of a speeding ticket.

East St. Louis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1313	$218
One Med/PIP claim	$1321	$225
Not-at-fault accident	$1394	$232
One comp claim	$1424	$243
Two Med/PIP claims	$1424	$237
Failure to wear a seat belt	$1528	$260
Driving without lights	$1544	$257
Child safety restraint	$1552	$264
Two comp claims	$1552	$259
Failure to show documents	$1576	$268
Speeding 6 - 10 MPH over limit	$1608	$268
Driving with expired registration	$1616	$275
Speeding 11 - 15 MPH over limit	$1648	$275
Driving too slowly	$1656	$281
Failure to yield	$1656	$276
Illegal turn	$1656	$281
At-fault accident - less than $1000	$1671	$279
Failure to stop at a red light	$1671	$284
Following too closely	$1671	$279
Speeding 16 - 20 MPH over limit	$1679	$285
Speeding in school zone	$1679	$280
Improper passing	$1687	$287
Wrong way/wrong lane	$1687	$281
Cell phone violation	$1719	$292
Texting while driving	$1719	$287
Passing school bus	$1735	$295
In 65 MPH zone	$1743	$291
Speeding 21 - 25 MPH over limit	$1759	$299
Operating a vehicle without permission	$1792	$299
At-fault accident - $1000-$2000	$1903	$323
At-fault accident - greater than $2000	$1934	$323
Open container	$1998	$340
Reckless driving	$2317	$386
Racing	$2340	$398
Driving with a suspended license	$2388	$398
Refusal to submit to a chemical test	$2404	$409
DUI	$2412	$402
Leaving scene of an accident/hit and run	$2436	$414

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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 East St. Louis 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 St. Louis.

The cheapest car insurance premiums in East St. Louis are offered by Mercury at $303 for a six-month policy. However, it can be as expensive as $3414 with companies like Farmers.

East St. Louis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$303	$51
American Family	$319	$54
Travelers	$852	$143
Progressive	$1026	$173
Erie	$1226	$206
Country Financial	$1424	$240
USAA	$1958	$330
State Farm	$2014	$339
Auto-Owners	$2125	$362
Allstate	$3375	$568
Farmers	$3414	$580

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 St. Louis are offered by Westfield at $255. However, it can be as expensive as $6256 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in East St. Louis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$255	$43
Auto-Owners Insurance Co	$287	$48
Mercury	$311	$52
American Family	$319	$54
Hanover	$382	$64
Erie	$796	$134
Country Financial	$955	$161
Travelers	$1210	$201
Auto-Owners	$1226	$209
State Farm	$1536	$256
USAA	$1695	$288
Progressive	$1735	$289
Allstate	$3614	$615
Farmers	$6256	$1043

Car Insurance Price Trends in East St. Louis, Illinois

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

The average cost of full coverage in the East St. Louis remained steady at $226 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the East St. Louis remained steady at $68 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in East St. Louis?

The car insurance in East St. Louis is $34 per month, which is lower than the national average.

What is the cheapest car insurance in East St. Louis?

The cheapest car insurance in East St. Louis is $82 per month for full coverage.

How much is car insurance in East St. Louis for teenagers?

Car insurance for teenagers costs $255 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 St. Louis?

The average cost of car insurance is $866 for a six-month policy. It will cost around $196 per month to insure your car in East St. Louis.

Is car insurance expensive in East St. Louis?

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

Cheapest Car Insurance Quotes in East St. Louis

Why you can trust Way?

How Much Is Car Insurance in East St. Louis

Avg. Car Insurance in East St. Louis

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in East St. Louis

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

East St. Louis Car Insurance Rates by Company

Cheap Car Insurance Companies in East St. Louis, IL

Way's key takeaways about car insurance in East St. Louis

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East St. Louis

Cheapest Liability Coverage in East St. Louis, IL

Cheapest Full Coverage Car Insurance in East St. Louis

Cheapest Full Coverage Car Insurance Quotes in East St. Louis, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East St. Louis by Rating Factor

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

Car Insurance Premiums by Age in East St. Louis

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East St. Louis,IL

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

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 St. Louis

Cheapest Car Insurance Companies after an At-Fault Accident in East St. Louis

East St. Louis Car Insurance Rates by Violation

East St. Louis auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East St. Louis after a DUI

East St. Louis car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East St. Louis after Speeding ticket

Car Insurance Price Trends in East St. Louis, Illinois

Average Car Insurance Cost in East St. Louis by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East St. Louis, IL

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

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