Cheapest Car Insurance Quotes in Farmer City

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Farmer City Car Insurance

^$ 23

/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 Farmer City

The car insurance rate in Farmer City is $782 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Farmer 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 Farmer City

$782

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Farmer City

1st place: AutoOwners Insurance Co

At $401 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 $455 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 $476 for six months, making it the third cheapest auto insurance company in Farmer City.

Farmer City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Farmer City, IL is AutoOwners Insurance Co, offering policies at just $401 for a six-month term. This is followed by Westfield, which has an average six-month premium of $455.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $727 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Farmer City drivers find the best deals.

Cheap Car Insurance Companies in Farmer City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$401	$68
Westfield	$455	$76
Country Financial	$476	$80
Travelers	$567	$95
American Family	$658	$111
Erie	$689	$115
USAA	$813	$137
State Farm	$818	$138
Progressive	$898	$151
Auto-Owners	$946	$158
Allstate	$1358	$229
Farmers	$1358	$229
Hanover	$845	$140
Mercury	$722	$121
Hastings Mutual	$727	$123

Key Takeaways

Way's key takeaways about car insurance in Farmer City

The auto insurance costs in Farmer City fall around $401 for six months.
The cheapest auto insurance company in Farmer City is Mercury.
Teen drivers pay the highest rate in Farmer City at $52 per month.

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Cheapest Minimum Liability Car Insurance in Farmer 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 Farmer City are given below.

Mercury provides the cheapest minimum car insurance coverage in Farmer City. Their Average 6 Month Premium is $134. First Chicago is the most expensive at $176 for the same period.

Cheapest Liability Coverage in Farmer City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$134	$23
Westfield	$144	$24
Auto-Owners Insurance Co	$171	$29
Country Financial	$182	$31
Erie	$224	$38
Auto-Owners	$246	$41
Travelers	$246	$41
American Family	$284	$48
State Farm	$284	$48
USAA	$300	$50
Progressive	$347	$59
Allstate	$545	$92
Farmers	$669	$113
Hanover	$160	$27
AAA	$230	$39
First Chicago	$176	$30

Cheapest Full Coverage Car Insurance in Farmer 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 Farmer City is AutoOwners Insurance Co at $68 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Farmer City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$401	$68
Westfield	$455	$76
Country Financial	$476	$80
Travelers	$567	$95
American Family	$658	$111
Erie	$689	$115
USAA	$813	$137
State Farm	$818	$138
Progressive	$898	$151
Auto-Owners	$946	$158
Allstate	$1358	$229
Farmers	$1358	$229
Hanover	$845	$140
Mercury	$722	$121
Hastings Mutual	$727	$123

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Average Car Insurance in Farmer 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 Farmer City, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Farmer 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, Farmer 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 Farmer 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	$636
30s	Auto-Owners	$440
40s	Auto-Owners	$432
50s	Auto-Owners	$408
60s	Auto-Owners	$428
70s	Auto-Owners	$544

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Farmer City at $29 per month. At $305 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
Mercury	$198	$33
Auto-Owners Insurance Co	$214	$36
Country Financial	$727	$122
Erie	$893	$150
Travelers	$946	$159
USAA	$1647	$277
American Family	$1973	$332
State Farm	$2839	$478
Progressive	$2844	$479
Allstate	$3304	$556
Farmers	$3362	$566
AAA	$305	$52

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 Farmer City.

As young drivers face the highest rates in Farmer City, AutoOwners offers the cheapest auto insurance rates at $636 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 Farmer City, Mercury is the cheapest car insurance provider. At $203 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 Farmer City is State Farm, offering rates of around $2796 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$203	$34
Westfield	$267	$46
Hanover	$358	$59
Country Financial	$535	$90
Travelers	$593	$100
Progressive	$850	$143
American Family	$1042	$176
USAA	$1384	$236
Allstate	$2273	$379
Farmers	$2615	$445
State Farm	$2796	$466

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

Car Insurance Rates with An Accident in Farmer 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 Farmer City, IL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Farmer City include AutoOwners Insurance Co and Westfield, offering $224 and $230, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $267.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$224	$38
Westfield	$230	$39
Mercury	$294	$49
Travelers	$513	$86
Erie	$518	$87
Country Financial	$524	$88
State Farm	$775	$131
USAA	$797	$134
American Family	$893	$150
Progressive	$1289	$217
Farmers	$1422	$239
Allstate	$2358	$397
AAA	$380	$65
First Chicago	$246	$41
Hastings Mutual	$267	$46

Farmer City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Farmer City IL. For example, the car insurance in Farmer City after a DUI increases to $738 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Farmer City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$882	$147
One Med/PIP claim	$887	$151
Not-at-fault accident	$936	$156
One comp claim	$957	$163
Two Med/PIP claims	$957	$159
Failure to wear a seat belt	$1026	$175
Driving without lights	$1037	$173
Child safety restraint	$1042	$177
Two comp claims	$1042	$174
Failure to show documents	$1058	$180
Speeding 6 - 10 MPH over limit	$1080	$180
Driving with expired registration	$1085	$185
Speeding 11 - 15 MPH over limit	$1107	$185
Driving too slowly	$1112	$189
Failure to yield	$1112	$185
Illegal turn	$1112	$189
At-fault accident - less than $1000	$1122	$187
Failure to stop at a red light	$1122	$191
Following too closely	$1122	$187
Speeding 16 - 20 MPH over limit	$1128	$192
Speeding in school zone	$1128	$188
Improper passing	$1133	$193
Wrong way/wrong lane	$1133	$189
Cell phone violation	$1155	$196
Texting while driving	$1155	$193
Passing school bus	$1166	$198
In 65 MPH zone	$1171	$195
Speeding 21 - 25 MPH over limit	$1182	$201
Operating a vehicle without permission	$1203	$201
At-fault accident - $1000-$2000	$1278	$217
At-fault accident - greater than $2000	$1299	$217
Open container	$1342	$229
Reckless driving	$1556	$259
Racing	$1571	$267
Driving with a suspended license	$1604	$267
Refusal to submit to a chemical test	$1615	$275
DUI	$1620	$270
Leaving scene of an accident/hit and run	$1636	$278

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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 Farmer 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 Farmer City.

The cheapest car insurance premiums in Farmer City are offered by Mercury at $203 for a six-month policy. However, it can be as expensive as $2293 with companies like Farmers.

Farmer City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$203	$34
Travelers	$545	$92
Erie	$631	$106
Progressive	$658	$111
Country Financial	$829	$140
American Family	$1011	$170
State Farm	$1096	$185
USAA	$1283	$216
Allstate	$2015	$339
Farmers	$2293	$390

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 Farmer City are offered by Westfield at $171. However, it can be as expensive as $4202 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Farmer City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
Auto-Owners Insurance Co	$193	$32
Mercury	$209	$35
Erie	$224	$38
Hanover	$257	$43
Country Financial	$540	$91
USAA	$700	$117
State Farm	$957	$163
Travelers	$1085	$181
Progressive	$1122	$191
American Family	$1246	$210
Allstate	$3571	$608
Farmers	$4202	$700

Car Insurance Price Trends in Farmer City, Illinois

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

The average cost of full coverage in the Farmer City rose by $174 in December compared to $172 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Farmer City rose to $48 in December, compared to $46 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Farmer City?

The car insurance in Farmer City is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Farmer City?

The cheapest car insurance in Farmer City is $68 per month for full coverage.

How much is car insurance in Farmer City for teenagers?

Car insurance for teenagers costs $171 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 Farmer City?

The average cost of car insurance is $869 for a six-month policy. It will cost around $131 per month to insure your car in Farmer City.

Is car insurance expensive in Farmer City?

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

Cheapest Car Insurance Quotes in Farmer City

Why you can trust Way?

How Much Is Car Insurance in Farmer City

Avg. Car Insurance in Farmer City

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Farmer City

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Farmer City Car Insurance Rates by Company

Cheap Car Insurance Companies in Farmer City, IL

Way's key takeaways about car insurance in Farmer City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Farmer City

Cheapest Liability Coverage in Farmer City, IL

Cheapest Full Coverage Car Insurance in Farmer City

Cheapest Full Coverage Car Insurance Quotes in Farmer City, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Farmer City by Rating Factor

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

Car Insurance Premiums by Age in Farmer City

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Farmer City Car Insurance Rates by Violation

Farmer City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Farmer City after a DUI

Farmer City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Farmer City after Speeding ticket

Car Insurance Price Trends in Farmer City, Illinois

Average Car Insurance Cost in Farmer City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Farmer City, IL

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

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