Cheapest Car Insurance Quotes in Garden Prairie

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Garden Prairie 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 Garden Prairie

The car insurance rate in Garden Prairie is $834 for a six-month policy, which is $35 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Garden Prairie 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 Garden Prairie

$834

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Garden Prairie

1st place: AutoOwners Insurance Co

At $428 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 $485 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 $508 for six months, making it the third cheapest auto insurance company in Garden Prairie.

Garden Prairie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garden Prairie, IL is AutoOwners Insurance Co, offering policies at just $428 for a six-month term. This is followed by Westfield, which has an average six-month premium of $485.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $776 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garden Prairie drivers find the best deals.

Cheap Car Insurance Companies in Garden Prairie, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$73
Westfield	$485	$81
Country Financial	$508	$85
Travelers	$605	$102
American Family	$702	$118
Erie	$735	$123
USAA	$867	$146
State Farm	$873	$147
Progressive	$958	$161
Auto-Owners	$1009	$168
Allstate	$1449	$244
Farmers	$1449	$244
Hanover	$901	$150
Mercury	$770	$129
Hastings Mutual	$776	$132

Key Takeaways

Way's key takeaways about car insurance in Garden Prairie

The auto insurance costs in Garden Prairie fall around $428 for six months.
The cheapest auto insurance company in Garden Prairie is Mercury.
Teen drivers pay the highest rate in Garden Prairie at $56 per month.

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Cheapest Minimum Liability Car Insurance in Garden Prairie

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 Garden Prairie are given below.

Mercury provides the cheapest minimum car insurance coverage in Garden Prairie. Their Average 6 Month Premium is $143. First Chicago is the most expensive at $188 for the same period.

Cheapest Liability Coverage in Garden Prairie, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$143	$24
Westfield	$154	$26
Auto-Owners Insurance Co	$182	$31
Country Financial	$194	$33
Erie	$239	$40
Auto-Owners	$262	$44
Travelers	$262	$44
American Family	$302	$51
State Farm	$302	$51
USAA	$320	$54
Progressive	$371	$62
Allstate	$582	$98
Farmers	$713	$121
Hanover	$171	$29
AAA	$245	$41
First Chicago	$188	$32

Cheapest Full Coverage Car Insurance in Garden Prairie

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 Garden Prairie is AutoOwners Insurance Co at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden Prairie, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$73
Westfield	$485	$81
Country Financial	$508	$85
Travelers	$605	$102
American Family	$702	$118
Erie	$735	$123
USAA	$867	$146
State Farm	$873	$147
Progressive	$958	$161
Auto-Owners	$1009	$168
Allstate	$1449	$244
Farmers	$1449	$244
Hanover	$901	$150
Mercury	$770	$129
Hastings Mutual	$776	$132

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Average Car Insurance in Garden Prairie 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 Garden Prairie, IL increasing?

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

Car Insurance Premiums by Age in Garden Prairie

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	$679
30s	Auto-Owners	$469
40s	Auto-Owners	$461
50s	Auto-Owners	$435
60s	Auto-Owners	$457
70s	Auto-Owners	$580

Cheapest Car Insurance Rates for Teen Drivers in Garden Prairie,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Garden Prairie at $31 per month. At $325 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$182	$31
Mercury	$211	$36
Auto-Owners Insurance Co	$228	$38
Country Financial	$776	$131
Erie	$952	$160
Travelers	$1009	$170
USAA	$1757	$296
American Family	$2104	$354
State Farm	$3028	$510
Progressive	$3034	$511
Allstate	$3524	$593
Farmers	$3587	$604
AAA	$325	$56

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 Garden Prairie.

As young drivers face the highest rates in Garden Prairie, AutoOwners offers the cheapest auto insurance rates at $679 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 Garden Prairie, Mercury is the cheapest car insurance provider. At $217 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 Garden Prairie is State Farm, offering rates of around $2983 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$217	$36
Westfield	$285	$49
Hanover	$382	$63
Country Financial	$570	$96
Travelers	$633	$107
Progressive	$906	$153
American Family	$1112	$187
USAA	$1476	$252
Allstate	$2424	$404
Farmers	$2789	$474
State Farm	$2983	$497

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Car Insurance Rates with An Accident in Garden Prairie

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

Cheapest Car Insurance Companies after an At-Fault Accident in Garden Prairie

The cheapest car insurance companies after an at-fault accident in Garden Prairie include AutoOwners Insurance Co and Westfield, offering $239 and $245, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $285.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$239	$40
Westfield	$245	$41
Mercury	$314	$52
Travelers	$547	$92
Erie	$553	$93
Country Financial	$559	$94
State Farm	$827	$139
USAA	$850	$143
American Family	$952	$160
Progressive	$1375	$231
Farmers	$1517	$255
Allstate	$2515	$423
AAA	$405	$69
First Chicago	$262	$44
Hastings Mutual	$285	$49

Garden Prairie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden Prairie IL. For example, the car insurance in Garden Prairie after a DUI increases to $787 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Garden Prairie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$941	$156
One Med/PIP claim	$947	$161
Not-at-fault accident	$998	$166
One comp claim	$1020	$174
Two Med/PIP claims	$1020	$170
Failure to wear a seat belt	$1094	$186
Driving without lights	$1106	$184
Child safety restraint	$1112	$189
Two comp claims	$1112	$185
Failure to show documents	$1129	$192
Speeding 6 - 10 MPH over limit	$1152	$192
Driving with expired registration	$1158	$197
Speeding 11 - 15 MPH over limit	$1181	$197
Driving too slowly	$1187	$202
Failure to yield	$1187	$198
Illegal turn	$1187	$202
At-fault accident - less than $1000	$1197	$200
Failure to stop at a red light	$1197	$204
Following too closely	$1197	$200
Speeding 16 - 20 MPH over limit	$1203	$204
Speeding in school zone	$1203	$201
Improper passing	$1209	$205
Wrong way/wrong lane	$1209	$202
Cell phone violation	$1232	$209
Texting while driving	$1232	$205
Passing school bus	$1243	$211
In 65 MPH zone	$1249	$208
Speeding 21 - 25 MPH over limit	$1260	$214
Operating a vehicle without permission	$1284	$214
At-fault accident - $1000-$2000	$1363	$231
At-fault accident - greater than $2000	$1385	$231
Open container	$1431	$244
Reckless driving	$1660	$276
Racing	$1676	$285
Driving with a suspended license	$1711	$285
Refusal to submit to a chemical test	$1722	$293
DUI	$1728	$288
Leaving scene of an accident/hit and run	$1745	$297

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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 Garden Prairie 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 Garden Prairie.

The cheapest car insurance premiums in Garden Prairie are offered by Mercury at $217 for a six-month policy. However, it can be as expensive as $2446 with companies like Farmers.

Garden Prairie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$217	$36
Travelers	$582	$98
Erie	$673	$113
Progressive	$702	$118
Country Financial	$884	$149
American Family	$1078	$181
State Farm	$1169	$197
USAA	$1369	$230
Allstate	$2149	$362
Farmers	$2446	$416

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 Garden Prairie are offered by Westfield at $182. However, it can be as expensive as $4482 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Garden Prairie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$182	$31
Auto-Owners Insurance Co	$205	$35
Mercury	$223	$37
Erie	$239	$40
Hanover	$274	$46
Country Financial	$576	$97
USAA	$747	$125
State Farm	$1020	$174
Travelers	$1158	$193
Progressive	$1197	$204
American Family	$1329	$224
Allstate	$3809	$648
Farmers	$4482	$747

Car Insurance Price Trends in Garden Prairie, Illinois

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

The average cost of full coverage in the Garden Prairie rose by $185 in December compared to $183 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 Garden Prairie rose to $51 in December, compared to $49 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 Garden Prairie?

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

What is the cheapest car insurance in Garden Prairie?

The cheapest car insurance in Garden Prairie is $73 per month for full coverage.

How much is car insurance in Garden Prairie for teenagers?

Car insurance for teenagers costs $182 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 Garden Prairie?

The average cost of car insurance is $869 for a six-month policy. It will cost around $139 per month to insure your car in Garden Prairie.

Is car insurance expensive in Garden Prairie?

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

Cheapest Car Insurance Quotes in Garden Prairie

Why you can trust Way?

How Much Is Car Insurance in Garden Prairie

Avg. Car Insurance in Garden Prairie

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Garden Prairie

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Garden Prairie Car Insurance Rates by Company

Cheap Car Insurance Companies in Garden Prairie, IL

Way's key takeaways about car insurance in Garden Prairie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Garden Prairie

Cheapest Liability Coverage in Garden Prairie, IL

Cheapest Full Coverage Car Insurance in Garden Prairie

Cheapest Full Coverage Car Insurance Quotes in Garden Prairie, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Garden Prairie by Rating Factor

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

Car Insurance Premiums by Age in Garden Prairie

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Garden Prairie,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Garden Prairie.

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 Garden Prairie

Cheapest Car Insurance Companies after an At-Fault Accident in Garden Prairie

Garden Prairie Car Insurance Rates by Violation

Garden Prairie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Garden Prairie after a DUI

Garden Prairie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Garden Prairie after Speeding ticket

Car Insurance Price Trends in Garden Prairie, Illinois

Average Car Insurance Cost in Garden Prairie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Garden Prairie, IL

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

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