Cheapest Car Insurance Quotes in Fairmont City

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Fairmont City 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 Fairmont City

The car insurance rate in Fairmont City is $1164 for a six-month policy, which is $295 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $598, making it a popular choice for budget-conscious drivers. Rates in Fairmont City 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 Fairmont City

$1164

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Fairmont City

1st place: AutoOwners Insurance Co

At $598 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 $677 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 $709 for six months, making it the third cheapest auto insurance company in Fairmont City.

Fairmont City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairmont City, IL is AutoOwners Insurance Co, offering policies at just $598 for a six-month term. This is followed by Westfield, which has an average six-month premium of $677.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1083 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairmont City drivers find the best deals.

Cheap Car Insurance Companies in Fairmont City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$598	$102
Westfield	$677	$113
Country Financial	$709	$119
Travelers	$844	$142
American Family	$980	$165
Erie	$1026	$172
USAA	$1210	$204
State Farm	$1218	$205
Progressive	$1337	$225
Auto-Owners	$1408	$235
Allstate	$2022	$340
Farmers	$2022	$340
Hanover	$1258	$209
Mercury	$1075	$180
Hastings Mutual	$1083	$184

Key Takeaways

Way's key takeaways about car insurance in Fairmont City

The auto insurance costs in Fairmont City fall around $598 for six months.
The cheapest auto insurance company in Fairmont City is Mercury.
Teen drivers pay the highest rate in Fairmont City at $78 per month.

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

Cheapest Minimum Liability Car Insurance in Fairmont City

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 Fairmont City are given below.

Mercury provides the cheapest minimum car insurance coverage in Fairmont City. Their Average 6 Month Premium is $200. First Chicago is the most expensive at $263 for the same period.

Cheapest Liability Coverage in Fairmont City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$200	$34
Westfield	$214	$36
Auto-Owners Insurance Co	$255	$43
Country Financial	$271	$46
Erie	$334	$56
Auto-Owners	$366	$62
Travelers	$366	$62
American Family	$422	$71
State Farm	$422	$71
USAA	$446	$75
Progressive	$517	$87
Allstate	$812	$137
Farmers	$996	$169
Hanover	$239	$40
AAA	$342	$58
First Chicago	$263	$44

Cheapest Full Coverage Car Insurance in Fairmont City

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 Fairmont City is AutoOwners Insurance Co at $102 per month and $598 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairmont City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$598	$102
Westfield	$677	$113
Country Financial	$709	$119
Travelers	$844	$142
American Family	$980	$165
Erie	$1026	$172
USAA	$1210	$204
State Farm	$1218	$205
Progressive	$1337	$225
Auto-Owners	$1408	$235
Allstate	$2022	$340
Farmers	$2022	$340
Hanover	$1258	$209
Mercury	$1075	$180
Hastings Mutual	$1083	$184

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Average Car Insurance in Fairmont City 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 Fairmont City, IL increasing?

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

Car Insurance Premiums by Age in Fairmont City

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	$947
30s	Auto-Owners	$655
40s	Auto-Owners	$643
50s	Auto-Owners	$607
60s	Auto-Owners	$638
70s	Auto-Owners	$809

Cheapest Car Insurance Rates for Teen Drivers in Fairmont City,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Fairmont City at $43 per month. At $454 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$255	$43
Mercury	$295	$50
Auto-Owners Insurance Co	$319	$54
Country Financial	$1083	$182
Erie	$1329	$224
Travelers	$1408	$237
USAA	$2452	$413
American Family	$2937	$494
State Farm	$4226	$712
Progressive	$4234	$713
Allstate	$4919	$828
Farmers	$5006	$843
AAA	$454	$78

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 Fairmont City.

As young drivers face the highest rates in Fairmont City, AutoOwners offers the cheapest auto insurance rates at $947 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 Fairmont City, 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 Fairmont City is State Farm, offering rates of around $4163 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$303	$51
Westfield	$398	$68
Hanover	$533	$88
Country Financial	$796	$134
Travelers	$883	$149
Progressive	$1265	$213
American Family	$1552	$261
USAA	$2061	$351
Allstate	$3384	$564
Farmers	$3893	$662
State Farm	$4163	$694

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Save up to $971/yr on car insurance rates in Fairmont City.

Car Insurance Rates with An Accident in Fairmont City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fairmont City

The cheapest car insurance companies after an at-fault accident in Fairmont City include AutoOwners Insurance Co and Westfield, offering $334 and $342, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $398.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$56
Westfield	$342	$58
Mercury	$438	$72
Travelers	$764	$129
Erie	$772	$130
Country Financial	$780	$131
State Farm	$1154	$194
USAA	$1186	$200
American Family	$1329	$224
Progressive	$1919	$323
Farmers	$2117	$356
Allstate	$3511	$591
AAA	$565	$96
First Chicago	$366	$62
Hastings Mutual	$398	$68

Fairmont City Car Insurance Rates by Violation

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

Fairmont City 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 Fairmont City 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 Fairmont City.

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

Fairmont City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$303	$51
Travelers	$812	$137
Erie	$939	$158
Progressive	$980	$165
Country Financial	$1234	$208
American Family	$1505	$253
State Farm	$1632	$275
USAA	$1911	$322
Allstate	$3000	$505
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 Fairmont City 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 Fairmont City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$255	$43
Auto-Owners Insurance Co	$287	$48
Mercury	$311	$52
Erie	$334	$56
Hanover	$382	$64
Country Financial	$804	$135
USAA	$1043	$174
State Farm	$1424	$243
Travelers	$1616	$269
Progressive	$1671	$284
American Family	$1855	$312
Allstate	$5317	$905
Farmers	$6256	$1043

Car Insurance Price Trends in Fairmont City, Illinois

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

The average cost of full coverage in the Fairmont City rose by $259 in December compared to $256 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Fairmont City rose to $71 in December, compared to $68 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fairmont City?

The car insurance in Fairmont City is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Fairmont City?

The cheapest car insurance in Fairmont City is $102 per month for full coverage.

How much is car insurance in Fairmont City 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 Fairmont City?

The average cost of car insurance is $869 for a six-month policy. It will cost around $194 per month to insure your car in Fairmont City.

Is car insurance expensive in Fairmont City?

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

Cheapest Car Insurance Quotes in Fairmont City

Why you can trust Way?

How Much Is Car Insurance in Fairmont City

Avg. Car Insurance in Fairmont City

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Fairmont City

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Fairmont City Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairmont City, IL

Way's key takeaways about car insurance in Fairmont City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairmont City

Cheapest Liability Coverage in Fairmont City, IL

Cheapest Full Coverage Car Insurance in Fairmont City

Cheapest Full Coverage Car Insurance Quotes in Fairmont City, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairmont City by Rating Factor

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

Car Insurance Premiums by Age in Fairmont City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairmont City,IL

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

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 Fairmont City

Cheapest Car Insurance Companies after an At-Fault Accident in Fairmont City

Fairmont City Car Insurance Rates by Violation

Fairmont City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairmont City after a DUI

Fairmont City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairmont City after Speeding ticket

Car Insurance Price Trends in Fairmont City, Illinois

Average Car Insurance Cost in Fairmont City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fairmont City, IL

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

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