Cheapest Car Insurance Quotes in Granite City

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Granite City Car Insurance

^$ 30

/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 Granite City

The car insurance rate in Granite City is $1036 for a six-month policy, which is $165 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Granite 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 Granite City

$1036

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Granite City

1st place: American Family

At $424 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 $531 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $601 for six months, making it the third cheapest auto insurance company in Granite City.

Granite City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Granite City, IL is American Family, offering policies at just $424 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $531.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1117 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Granite City drivers find the best deals.

Cheap Car Insurance Companies in Granite City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$424	$73
Auto-Owners Insurance Co	$531	$88
Westfield	$601	$102
Travelers	$770	$130
Country Financial	$820	$138
Erie	$954	$161
USAA	$1138	$192
Auto-Owners	$1173	$198
Progressive	$1202	$202
State Farm	$1294	$218
Farmers	$1421	$242
Allstate	$2043	$344
Hanover	$1117	$186

Key Takeaways

Way's key takeaways about car insurance in Granite City

The auto insurance costs in Granite City fall around $424 for six months.
The cheapest auto insurance company in Granite City is Mercury.
Teen drivers pay the highest rate in Granite City at $69 per month.

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

Mercury provides the cheapest minimum car insurance coverage in Granite City. Their Average 6 Month Premium is $177. AAA is the most expensive at $303 for the same period.

Cheapest Liability Coverage in Granite City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$177	$30
Westfield	$190	$32
Auto-Owners Insurance Co	$226	$38
American Family	$240	$40
Erie	$296	$50
Travelers	$325	$55
Auto-Owners	$332	$56
Country Financial	$332	$56
USAA	$411	$69
State Farm	$438	$74
Progressive	$459	$77
Allstate	$678	$114
Farmers	$884	$150
Hanover	$212	$36
AAA	$303	$51

Cheapest Full Coverage Car Insurance in Granite 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 Granite City is American Family at $73 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Granite City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$424	$73
Auto-Owners Insurance Co	$531	$88
Westfield	$601	$102
Travelers	$770	$130
Country Financial	$820	$138
Erie	$954	$161
USAA	$1138	$192
Auto-Owners	$1173	$198
Progressive	$1202	$202
State Farm	$1294	$218
Farmers	$1421	$242
Allstate	$2043	$344
Hanover	$1117	$186

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Average Car Insurance in Granite 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 Granite City, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Granite 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, Granite 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 Granite 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 Granite City,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Granite City at $38 per month. At $403 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$226	$38
American Family	$262	$44
Mercury	$262	$44
Auto-Owners Insurance Co	$283	$48
Farmers	$459	$76
Country Financial	$1286	$217
Travelers	$1344	$226
Erie	$1527	$257
USAA	$2318	$390
Auto-Owners	$2531	$431
Progressive	$3563	$600
State Farm	$4404	$741
Allstate	$4806	$809
AAA	$403	$69

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 Granite City, Mercury is the cheapest car insurance provider. At $269 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 Granite City is Farmers, offering rates of around $3457 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$269	$45
Westfield	$353	$60
American Family	$445	$76
Hanover	$474	$79
Travelers	$848	$143
Country Financial	$954	$161
Progressive	$1180	$199
USAA	$2092	$349
Erie	$2276	$387
Auto-Owners	$3238	$539
Allstate	$3704	$630
State Farm	$5528	$921
Farmers	$3457	$588

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

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

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

The cheapest car insurance companies after an at-fault accident in Granite City include American Family and AutoOwners Insurance Co, offering $283 and $296, respectively. AAA is an expensive provider with an average six-month premium of $502.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$283	$48
Auto-Owners Insurance Co	$296	$50
Westfield	$303	$51
Mercury	$389	$67
Farmers	$580	$96
Travelers	$714	$120
Erie	$884	$149
Country Financial	$940	$158
State Farm	$1188	$200
USAA	$1272	$214
Auto-Owners	$1329	$221
Progressive	$1796	$302
Allstate	$3484	$587
AAA	$502	$86

Granite City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Granite City IL. For example, the car insurance in Granite City after a DUI increases to $976 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Granite City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1166	$194
One Med/PIP claim	$1173	$200
Not-at-fault accident	$1238	$206
One comp claim	$1265	$215
Two Med/PIP claims	$1265	$211
Failure to wear a seat belt	$1357	$231
Driving without lights	$1371	$228
Child safety restraint	$1378	$234
Two comp claims	$1378	$230
Failure to show documents	$1399	$238
Speeding 6 - 10 MPH over limit	$1428	$238
Driving with expired registration	$1435	$244
Speeding 11 - 15 MPH over limit	$1464	$244
Driving too slowly	$1471	$250
Failure to yield	$1471	$245
Illegal turn	$1471	$250
At-fault accident - less than $1000	$1484	$248
Failure to stop at a red light	$1484	$252
Following too closely	$1484	$248
Speeding 16 - 20 MPH over limit	$1491	$253
Speeding in school zone	$1491	$249
Improper passing	$1498	$255
Wrong way/wrong lane	$1498	$250
Cell phone violation	$1527	$259
Texting while driving	$1527	$255
Passing school bus	$1541	$262
In 65 MPH zone	$1548	$258
Speeding 21 - 25 MPH over limit	$1562	$265
Operating a vehicle without permission	$1591	$265
At-fault accident - $1000-$2000	$1690	$287
At-fault accident - greater than $2000	$1717	$287
Open container	$1774	$302
Reckless driving	$2058	$343
Racing	$2078	$353
Driving with a suspended license	$2121	$353
Refusal to submit to a chemical test	$2135	$363
DUI	$2142	$357
Leaving scene of an accident/hit and run	$2163	$368

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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 Granite 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 Granite City.

The cheapest car insurance premiums in Granite City are offered by Mercury at $269 for a six-month policy. However, it can be as expensive as $3032 with companies like Farmers.

Granite City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$269	$45
American Family	$283	$48
Travelers	$757	$127
Progressive	$912	$154
Erie	$1089	$183
Country Financial	$1265	$213
USAA	$1739	$293
State Farm	$1789	$301
Auto-Owners	$1887	$321
Allstate	$2998	$505
Farmers	$3032	$515

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 Granite City are offered by Westfield at $226. However, it can be as expensive as $5556 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Granite City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$226	$38
Auto-Owners Insurance Co	$255	$43
Mercury	$276	$46
American Family	$283	$48
Hanover	$339	$57
Erie	$707	$119
Country Financial	$848	$143
Travelers	$1075	$179
Auto-Owners	$1089	$186
State Farm	$1364	$227
USAA	$1505	$256
Progressive	$1541	$257
Allstate	$3209	$546
Farmers	$5556	$926

Car Insurance Price Trends in Granite City, Illinois

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

The average cost of full coverage in the Granite City dipped by $201 in January compared to $230 of December. In other words, there has been an decrease by $29 when you compare January and December.

The average cost of liability insurance in the Granite City dipped to $61 in January, compared to $63 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 Granite City?

The car insurance in Granite City is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Granite City?

The cheapest car insurance in Granite City is $73 per month for full coverage.

How much is car insurance in Granite City for teenagers?

Car insurance for teenagers costs $226 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 Granite City?

The average cost of car insurance is $871 for a six-month policy. It will cost around $174 per month to insure your car in Granite City.

Is car insurance expensive in Granite City?

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

Cheapest Car Insurance Quotes in Granite City

Why you can trust Way?

How Much Is Car Insurance in Granite City

Avg. Car Insurance in Granite City

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Granite City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Granite City Car Insurance Rates by Company

Cheap Car Insurance Companies in Granite City, IL

Way's key takeaways about car insurance in Granite City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Granite City

Cheapest Liability Coverage in Granite City, IL

Cheapest Full Coverage Car Insurance in Granite City

Cheapest Full Coverage Car Insurance Quotes in Granite City, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Granite City by Rating Factor

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

Car Insurance Premiums by Age in Granite City

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Granite City Car Insurance Rates by Violation

Granite City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Granite City after a DUI

Granite City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Granite City after Speeding ticket

Car Insurance Price Trends in Granite City, Illinois

Average Car Insurance Cost in Granite City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Granite City, IL

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

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