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Finding the cheapest car insurance quotes in Great Lakes shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Great Lakes
The car insurance rate in Great Lakes is $921 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, making it a popular choice for budget-conscious drivers. Rates in Great Lakes 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.
At $473 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 $535 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 $561
for six months, making it
the third cheapest auto insurance company in Great Lakes.
Great Lakes Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Great Lakes, IL is AutoOwners Insurance Co, offering policies at just $473 for a six-month term. This is followed by Westfield, which has an average six-month premium of $535.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $856 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Great Lakes drivers find the best deals.
Way's key takeaways about car insurance in Great Lakes
The auto insurance costs in Great Lakes fall around $473 for six
months.
The cheapest auto insurance company in Great Lakes is Mercury.
Teen drivers pay the highest rate in Great Lakes at $61 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Great Lakes
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 Great Lakes are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Great Lakes. Their Average 6 Month Premium is $158.
First Chicago is the most
expensive at $208 for the same
period.
Cheapest Full Coverage Car Insurance in Great Lakes
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 Great Lakes is AutoOwners Insurance Co
at $81 per month and $473
for six months.
Cheapest Full Coverage Car Insurance Quotes in Great Lakes,
IL
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Average Car Insurance in Great Lakes 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 Great Lakes, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Great Lakes, 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, Great Lakes's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Great Lakes
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
$749
30s
Auto-Owners
$518
40s
Auto-Owners
$509
50s
Auto-Owners
$480
60s
Auto-Owners
$505
70s
Auto-Owners
$640
Cheapest Car Insurance Rates for Teen Drivers in
Great Lakes,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Great Lakes at $34
per
month. At $359 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties AutoOwners is
the best choice for car
insurance in Great Lakes.
As young drivers face the highest rates in Great Lakes, AutoOwners
offers the cheapest auto insurance rates at $749 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 Great Lakes,
Mercury is
the cheapest car insurance provider. At $240 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
Great Lakes is State Farm, offering
rates of around $3293 for six
months.
Save up to $971/yr on car insurance rates in Great Lakes.
Car Insurance Rates with An Accident in Great Lakes
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 Great Lakes, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Great Lakes
The cheapest car insurance companies after an at-fault accident in
Great Lakes include AutoOwners Insurance Co
and Westfield, offering $264
and $270,
respectively. Hastings Mutual is an expensive provider
with an average six-month premium of
$315.
Here is a list of driving violations that can increase your car
insurance rates in Great Lakes IL. For example, the car
insurance in Great Lakes
after a DUI increases to $869 for a six
month policy. While the rate increases by $233 for a six-month policy in the case of
a speeding ticket.
Great Lakes auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1039
$173
One Med/PIP claim
$1045
$178
Not-at-fault accident
$1102
$183
One comp claim
$1127
$192
Two Med/PIP claims
$1127
$188
Failure to wear a seat belt
$1208
$206
Driving without lights
$1221
$204
Child safety restraint
$1227
$209
Two comp claims
$1227
$205
Failure to show documents
$1247
$212
Speeding 6 - 10 MPH over limit
$1272
$212
Driving with expired registration
$1278
$217
Speeding 11 - 15 MPH over limit
$1304
$217
Driving too slowly
$1310
$223
Failure to yield
$1310
$218
Illegal turn
$1310
$223
At-fault accident - less than $1000
$1322
$220
Failure to stop at a red light
$1322
$225
Following too closely
$1322
$220
Speeding 16 - 20 MPH over limit
$1328
$226
Speeding in school zone
$1328
$222
Improper passing
$1335
$227
Wrong way/wrong lane
$1335
$223
Cell phone violation
$1360
$231
Texting while driving
$1360
$227
Passing school bus
$1373
$233
In 65 MPH zone
$1379
$230
Speeding 21 - 25 MPH over limit
$1392
$236
Operating a vehicle without permission
$1417
$236
At-fault accident - $1000-$2000
$1505
$255
At-fault accident - greater than $2000
$1530
$255
Open container
$1580
$269
Reckless driving
$1833
$305
Racing
$1851
$315
Driving with a suspended license
$1889
$315
Refusal to submit to a chemical test
$1902
$323
DUI
$1908
$318
Leaving scene of an accident/hit and run
$1927
$328
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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 Great Lakes 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 Great Lakes.
The cheapest car insurance premiums in
Great Lakes are
offered by Mercury at $240 for a six-month policy.
However, it can be as
expensive as $2701 with companies
like Farmers.
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 Great Lakes are offered by Westfield
at $201. However,
it can be as expensive as $4949
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Great Lakes after Speeding ticket
Car Insurance Price Trends in Great Lakes,
Illinois
Car insurance rates in Great Lakes have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Great Lakes rose by
$205 in December
compared to $202 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Great Lakes rose to $56 in December,
compared to $54 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Great Lakes by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Great Lakes. At $1842 for a
six-month policy, insuring
your car at 60088 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Great Lakes?
The car insurance in Great Lakes is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Great Lakes?
The cheapest car insurance in Great Lakes
is $81 per month
for full coverage.
How much is car insurance in Great Lakes for teenagers?
Car insurance for teenagers costs $201 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
Great Lakes?
The average cost of car insurance is $869 for a six-month
policy. It will cost around $154 per month to insure your
car in Great Lakes.
Is car insurance expensive in Great Lakes?
Car insurance can be expensive in Great Lakes if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Great Lakes can be
affordable.
What is the best car insurance in Great Lakes,
IL?
The best car insurance company in Great Lakes
IL is
AutoOwners Insurance Co, offering $473 for a
six-month policy.
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Great Lakes Car Insurance
