Cheapest Car Insurance Quotes in Gibson City

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Gibson City 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 Gibson City

The car insurance rate in Gibson City is $836 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 $342, making it a popular choice for budget-conscious drivers. Rates in Gibson 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 Gibson City

$836

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Gibson City

1st place: American Family

At $342 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 $428 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $485 for six months, making it the third cheapest auto insurance company in Gibson City.

Gibson City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gibson City, IL is American Family, offering policies at just $342 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $428.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $901 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gibson City drivers find the best deals.

Cheap Car Insurance Companies in Gibson City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$342	$59
Auto-Owners Insurance Co	$428	$71
Westfield	$485	$83
Travelers	$621	$105
Country Financial	$661	$111
Erie	$770	$130
USAA	$918	$155
Auto-Owners	$947	$159
Progressive	$970	$163
State Farm	$1044	$176
Farmers	$1146	$195
Allstate	$1648	$277
Hanover	$901	$150

Key Takeaways

Way's key takeaways about car insurance in Gibson City

The auto insurance costs in Gibson City fall around $342 for six months.
The cheapest auto insurance company in Gibson City is Mercury.
Teen drivers pay the highest rate in Gibson City at $56 per month.

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

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

Mercury provides the cheapest minimum car insurance coverage in Gibson City. Their Average 6 Month Premium is $143. AAA is the most expensive at $245 for the same period.

Cheapest Liability Coverage in Gibson City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$143	$24
Westfield	$154	$26
Auto-Owners Insurance Co	$182	$31
American Family	$194	$33
Erie	$239	$40
Travelers	$262	$44
Auto-Owners	$268	$45
Country Financial	$268	$45
USAA	$331	$56
State Farm	$353	$60
Progressive	$371	$62
Allstate	$547	$92
Farmers	$713	$121
Hanover	$171	$29
AAA	$245	$41

Cheapest Full Coverage Car Insurance in Gibson 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 Gibson City is American Family at $59 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gibson City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$342	$59
Auto-Owners Insurance Co	$428	$71
Westfield	$485	$83
Travelers	$621	$105
Country Financial	$661	$111
Erie	$770	$130
USAA	$918	$155
Auto-Owners	$947	$159
Progressive	$970	$163
State Farm	$1044	$176
Farmers	$1146	$195
Allstate	$1648	$277
Hanover	$901	$150

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Average Car Insurance in Gibson 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 Gibson City, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Gibson 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, Gibson 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 Gibson 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

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Gibson City 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
American Family	$211	$36
Mercury	$211	$36
Auto-Owners Insurance Co	$228	$38
Farmers	$371	$61
Country Financial	$1038	$175
Travelers	$1084	$182
Erie	$1232	$207
USAA	$1870	$315
Auto-Owners	$2042	$348
Progressive	$2874	$484
State Farm	$3553	$598
Allstate	$3877	$653
AAA	$325	$56

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 Gibson City, 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 Gibson City is Farmers, offering rates of around $2789 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$217	$36
Westfield	$285	$48
American Family	$359	$61
Hanover	$382	$63
Travelers	$684	$115
Country Financial	$770	$130
Progressive	$952	$160
USAA	$1688	$281
Erie	$1836	$312
Auto-Owners	$2612	$435
Allstate	$2988	$508
State Farm	$4459	$743
Farmers	$2789	$474

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

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

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

The cheapest car insurance companies after an at-fault accident in Gibson City include American Family and AutoOwners Insurance Co, offering $228 and $239, respectively. AAA is an expensive provider with an average six-month premium of $405.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$228	$38
Auto-Owners Insurance Co	$239	$40
Westfield	$245	$41
Mercury	$314	$54
Farmers	$468	$78
Travelers	$576	$97
Erie	$713	$120
Country Financial	$758	$128
State Farm	$958	$161
USAA	$1026	$173
Auto-Owners	$1072	$179
Progressive	$1449	$244
Allstate	$2811	$473
AAA	$405	$69

Gibson City Car Insurance Rates by Violation

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

Gibson City 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 Gibson 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 Gibson City.

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

Gibson City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$217	$36
American Family	$228	$38
Travelers	$611	$103
Progressive	$735	$124
Erie	$878	$148
Country Financial	$1020	$172
USAA	$1403	$236
State Farm	$1443	$243
Auto-Owners	$1523	$259
Allstate	$2418	$407
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 Gibson City 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 Gibson City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$182	$31
Auto-Owners Insurance Co	$205	$35
Mercury	$223	$37
American Family	$228	$38
Hanover	$274	$46
Erie	$570	$96
Country Financial	$684	$115
Travelers	$867	$144
Auto-Owners	$878	$150
State Farm	$1100	$183
USAA	$1214	$206
Progressive	$1243	$207
Allstate	$2589	$441
Farmers	$4482	$747

Car Insurance Price Trends in Gibson City, Illinois

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

The average cost of full coverage in the Gibson City dipped by $162 in January compared to $185 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 Gibson City dipped to $49 in January, compared to $51 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Gibson City?

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

What is the cheapest car insurance in Gibson City?

The cheapest car insurance in Gibson City is $59 per month for full coverage.

How much is car insurance in Gibson City 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 Gibson City?

The average cost of car insurance is $871 for a six-month policy. It will cost around $140 per month to insure your car in Gibson City.

Is car insurance expensive in Gibson City?

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

Cheapest Car Insurance Quotes in Gibson City

Why you can trust Way?

How Much Is Car Insurance in Gibson City

Avg. Car Insurance in Gibson City

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Gibson City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Gibson City Car Insurance Rates by Company

Cheap Car Insurance Companies in Gibson City, IL

Way's key takeaways about car insurance in Gibson City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gibson City

Cheapest Liability Coverage in Gibson City, IL

Cheapest Full Coverage Car Insurance in Gibson City

Cheapest Full Coverage Car Insurance Quotes in Gibson City, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gibson City by Rating Factor

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

Car Insurance Premiums by Age in Gibson City

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties N/A is the best choice for car insurance in Gibson 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 Gibson City

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

Gibson City Car Insurance Rates by Violation

Gibson City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gibson City after a DUI

Gibson City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gibson City after Speeding ticket

Car Insurance Price Trends in Gibson City, Illinois

Average Car Insurance Cost in Gibson City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gibson City, IL

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

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