Cheapest Car Insurance Quotes in Grand Ridge

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Grand Ridge 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 Grand Ridge

The car insurance rate in Grand Ridge is $810 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $331, making it a popular choice for budget-conscious drivers. Rates in Grand Ridge 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 Grand Ridge

$810

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Grand Ridge

1st place: American Family

At $331 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 $415 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $470 for six months, making it the third cheapest auto insurance company in Grand Ridge.

Grand Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grand Ridge, IL is American Family, offering policies at just $331 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $415.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $873 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grand Ridge drivers find the best deals.

Cheap Car Insurance Companies in Grand Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$331	$57
Auto-Owners Insurance Co	$415	$69
Westfield	$470	$80
Travelers	$602	$101
Country Financial	$641	$108
Erie	$746	$126
USAA	$889	$150
Auto-Owners	$917	$154
Progressive	$939	$158
State Farm	$1011	$170
Farmers	$1110	$189
Allstate	$1597	$269
Hanover	$873	$145

Key Takeaways

Way's key takeaways about car insurance in Grand Ridge

The auto insurance costs in Grand Ridge fall around $331 for six months.
The cheapest auto insurance company in Grand Ridge is Mercury.
Teen drivers pay the highest rate in Grand Ridge at $54 per month.

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Cheapest Minimum Liability Car Insurance in Grand Ridge

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 Grand Ridge are given below.

Mercury provides the cheapest minimum car insurance coverage in Grand Ridge. Their Average 6 Month Premium is $139. AAA is the most expensive at $237 for the same period.

Cheapest Liability Coverage in Grand Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$139	$23
Westfield	$149	$25
Auto-Owners Insurance Co	$177	$30
American Family	$188	$32
Erie	$232	$39
Travelers	$254	$43
Auto-Owners	$259	$44
Country Financial	$259	$44
USAA	$321	$54
State Farm	$342	$58
Progressive	$359	$60
Allstate	$530	$89
Farmers	$691	$117
Hanover	$166	$28
AAA	$237	$40

Cheapest Full Coverage Car Insurance in Grand Ridge

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 Grand Ridge is American Family at $57 per month and $331 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$331	$57
Auto-Owners Insurance Co	$415	$69
Westfield	$470	$80
Travelers	$602	$101
Country Financial	$641	$108
Erie	$746	$126
USAA	$889	$150
Auto-Owners	$917	$154
Progressive	$939	$158
State Farm	$1011	$170
Farmers	$1110	$189
Allstate	$1597	$269
Hanover	$873	$145

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Average Car Insurance in Grand Ridge 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 Grand Ridge, IL increasing?

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

Car Insurance Premiums by Age in Grand Ridge

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 Grand Ridge,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Grand Ridge at $30 per month. At $315 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
American Family	$205	$34
Mercury	$205	$34
Auto-Owners Insurance Co	$221	$37
Farmers	$359	$60
Country Financial	$1005	$169
Travelers	$1050	$177
Erie	$1193	$201
USAA	$1812	$305
Auto-Owners	$1978	$337
Progressive	$2784	$469
State Farm	$3442	$579
Allstate	$3756	$632
AAA	$315	$54

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 Grand Ridge, Mercury is the cheapest car insurance provider. At $210 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 Grand Ridge is Farmers, offering rates of around $2702 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$210	$35
Westfield	$276	$47
American Family	$348	$60
Hanover	$370	$61
Travelers	$663	$112
Country Financial	$746	$126
Progressive	$923	$155
USAA	$1635	$272
Erie	$1779	$302
Auto-Owners	$2531	$421
Allstate	$2895	$492
State Farm	$4320	$720
Farmers	$2702	$459

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Car Insurance Rates with An Accident in Grand Ridge

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 Grand Ridge, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Ridge

The cheapest car insurance companies after an at-fault accident in Grand Ridge include American Family and AutoOwners Insurance Co, offering $221 and $232, respectively. AAA is an expensive provider with an average six-month premium of $392.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$221	$37
Auto-Owners Insurance Co	$232	$39
Westfield	$237	$40
Mercury	$304	$52
Farmers	$453	$75
Travelers	$558	$94
Erie	$691	$116
Country Financial	$735	$124
State Farm	$928	$156
USAA	$994	$167
Auto-Owners	$1039	$173
Progressive	$1403	$236
Allstate	$2723	$458
AAA	$392	$67

Grand Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Ridge IL. For example, the car insurance in Grand Ridge after a DUI increases to $763 for a six month policy. While the rate increases by $205 for a six-month policy in the case of a speeding ticket.

Grand Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$911	$152
One Med/PIP claim	$917	$156
Not-at-fault accident	$967	$161
One comp claim	$989	$168
Two Med/PIP claims	$989	$165
Failure to wear a seat belt	$1060	$180
Driving without lights	$1071	$179
Child safety restraint	$1077	$183
Two comp claims	$1077	$179
Failure to show documents	$1094	$186
Speeding 6 - 10 MPH over limit	$1116	$186
Driving with expired registration	$1122	$191
Speeding 11 - 15 MPH over limit	$1144	$191
Driving too slowly	$1149	$195
Failure to yield	$1149	$192
Illegal turn	$1149	$195
At-fault accident - less than $1000	$1160	$193
Failure to stop at a red light	$1160	$197
Following too closely	$1160	$193
Speeding 16 - 20 MPH over limit	$1165	$198
Speeding in school zone	$1165	$194
Improper passing	$1171	$199
Wrong way/wrong lane	$1171	$195
Cell phone violation	$1193	$203
Texting while driving	$1193	$199
Passing school bus	$1204	$205
In 65 MPH zone	$1210	$202
Speeding 21 - 25 MPH over limit	$1221	$207
Operating a vehicle without permission	$1243	$207
At-fault accident - $1000-$2000	$1321	$224
At-fault accident - greater than $2000	$1342	$224
Open container	$1387	$236
Reckless driving	$1608	$268
Racing	$1624	$276
Driving with a suspended license	$1657	$276
Refusal to submit to a chemical test	$1668	$284
DUI	$1674	$279
Leaving scene of an accident/hit and run	$1691	$287

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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 Grand Ridge 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 Grand Ridge.

The cheapest car insurance premiums in Grand Ridge are offered by Mercury at $210 for a six-month policy. However, it can be as expensive as $2370 with companies like Farmers.

Grand Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$210	$35
American Family	$221	$37
Travelers	$591	$100
Progressive	$712	$120
Erie	$851	$143
Country Financial	$989	$166
USAA	$1359	$229
State Farm	$1398	$235
Auto-Owners	$1475	$251
Allstate	$2343	$394
Farmers	$2370	$403

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 Grand Ridge are offered by Westfield at $177. However, it can be as expensive as $4342 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grand Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Auto-Owners Insurance Co	$199	$33
Mercury	$216	$36
American Family	$221	$37
Hanover	$265	$45
Erie	$552	$93
Country Financial	$663	$112
Travelers	$840	$140
Auto-Owners	$851	$145
State Farm	$1066	$178
USAA	$1176	$200
Progressive	$1204	$201
Allstate	$2508	$427
Farmers	$4342	$724

Car Insurance Price Trends in Grand Ridge, Illinois

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

The average cost of full coverage in the Grand Ridge dipped by $157 in January compared to $179 of December. In other words, there has been an decrease by $22 when you compare January and December.

The average cost of liability insurance in the Grand Ridge dipped to $47 in January, compared to $49 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 Grand Ridge?

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

What is the cheapest car insurance in Grand Ridge?

The cheapest car insurance in Grand Ridge is $57 per month for full coverage.

How much is car insurance in Grand Ridge for teenagers?

Car insurance for teenagers costs $177 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 Grand Ridge?

The average cost of car insurance is $871 for a six-month policy. It will cost around $136 per month to insure your car in Grand Ridge.

Is car insurance expensive in Grand Ridge?

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

Cheapest Car Insurance Quotes in Grand Ridge

Why you can trust Way?

How Much Is Car Insurance in Grand Ridge

Avg. Car Insurance in Grand Ridge

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Grand Ridge

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Grand Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Grand Ridge, IL

Way's key takeaways about car insurance in Grand Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grand Ridge

Cheapest Liability Coverage in Grand Ridge, IL

Cheapest Full Coverage Car Insurance in Grand Ridge

Cheapest Full Coverage Car Insurance Quotes in Grand Ridge, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grand Ridge by Rating Factor

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

Car Insurance Premiums by Age in Grand Ridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grand Ridge,IL

If you are in your twenties N/A is the best choice for car insurance in Grand Ridge.

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 Grand Ridge

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Ridge

Grand Ridge Car Insurance Rates by Violation

Grand Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grand Ridge after a DUI

Grand Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grand Ridge after Speeding ticket

Car Insurance Price Trends in Grand Ridge, Illinois

Average Car Insurance Cost in Grand Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grand Ridge, IL

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

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