Cheapest Car Insurance Quotes in Hometown

Finding the cheapest car insurance quotes in Hometown 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.

Enter your zip code to get personalized rates.

Featured in

408,850 Policies Sold

Hometown Car Insurance

^$ 33

/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 Hometown

The car insurance rate in Hometown is $1152 for a six-month policy, which is $286 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 Hometown 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 Hometown

$1152

Avg. Car Insurance in Illinois

$866

National Average

$1278

Cheapest Car Insurance Companies in Hometown

1st place: American Family

At $473 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 $593 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $672 for six months, making it the third cheapest auto insurance company in Hometown.

Hometown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hometown, IL is American Family, offering policies at just $473 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $593.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2284 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hometown drivers find the best deals.

Cheap Car Insurance Companies in Hometown, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$473	$81
Auto-Owners Insurance Co	$593	$98
Westfield	$672	$114
Travelers	$861	$145
Country Financial	$916	$154
Erie	$1067	$180
USAA	$1271	$214
Auto-Owners	$1311	$221
Progressive	$1343	$226
State Farm	$1446	$243
Farmers	$1588	$270
Allstate	$2284	$384

Key Takeaways

Way's key takeaways about car insurance in Hometown

The auto insurance costs in Hometown fall around $473 for six months.
The cheapest auto insurance company in Hometown is Mercury.
Teen drivers pay the highest rate in Hometown at $904 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 Hometown

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 Hometown are given below.

Mercury provides the cheapest minimum car insurance coverage in Hometown. Their Average 6 Month Premium is $198. Farmers is the most expensive at $988 for the same period.

Cheapest Liability Coverage in Hometown, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$198	$33
Westfield	$213	$36
Auto-Owners Insurance Co	$253	$43
American Family	$269	$45
Erie	$331	$56
Travelers	$363	$61
Auto-Owners	$371	$63
Country Financial	$371	$63
USAA	$459	$77
State Farm	$489	$82
Progressive	$513	$86
Allstate	$758	$128
Farmers	$988	$168

Cheapest Full Coverage Car Insurance in Hometown

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 Hometown is American Family at $81 per month and $473 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hometown, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$473	$81
Auto-Owners Insurance Co	$593	$98
Westfield	$672	$114
Travelers	$861	$145
Country Financial	$916	$154
Erie	$1067	$180
USAA	$1271	$214
Auto-Owners	$1311	$221
Progressive	$1343	$226
State Farm	$1446	$243
Farmers	$1588	$270
Allstate	$2284	$384

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Hometown Instantly!

Average Car Insurance in Hometown 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 Hometown, IL increasing?

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

Car Insurance Premiums by Age in Hometown

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Hometown,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hometown at $43 per month. At $5372 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$253	$43
American Family	$293	$49
Mercury	$293	$49
Auto-Owners Insurance Co	$317	$53
Farmers	$513	$85
Country Financial	$1438	$242
Travelers	$1502	$253
Erie	$1706	$287
USAA	$2591	$436
Auto-Owners	$2829	$481
Progressive	$3982	$670
State Farm	$4922	$829
Allstate	$5372	$904

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 Hometown, Mercury is the cheapest car insurance provider. At $301 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 Hometown is Farmers, offering rates of around $3864 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$301	$51
Westfield	$395	$67
American Family	$497	$85
Hanover	$529	$88
Travelers	$948	$160
Country Financial	$1067	$180
Progressive	$1319	$222
USAA	$2338	$390
Erie	$2544	$432
Auto-Owners	$3619	$602
Allstate	$4140	$704
State Farm	$6178	$1029
Farmers	$3864	$657

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Hometown

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hometown

The cheapest car insurance companies after an at-fault accident in Hometown include American Family and AutoOwners Insurance Co, offering $317 and $331, respectively. Allstate is an expensive provider with an average six-month premium of $3894.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$317	$53
Auto-Owners Insurance Co	$331	$56
Westfield	$339	$57
Mercury	$435	$74
Farmers	$648	$108
Travelers	$798	$134
Erie	$988	$166
Country Financial	$1051	$177
State Farm	$1327	$223
USAA	$1422	$239
Auto-Owners	$1486	$247
Progressive	$2007	$338
Allstate	$3894	$656

Hometown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hometown IL. For example, the car insurance in Hometown after a DUI increases to $1091 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Hometown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1303	$217
One Med/PIP claim	$1311	$223
Not-at-fault accident	$1383	$230
One comp claim	$1414	$241
Two Med/PIP claims	$1414	$235
Failure to wear a seat belt	$1516	$258
Driving without lights	$1532	$255
Child safety restraint	$1540	$262
Two comp claims	$1540	$257
Failure to show documents	$1564	$266
Speeding 6 - 10 MPH over limit	$1596	$266
Driving with expired registration	$1604	$273
Speeding 11 - 15 MPH over limit	$1636	$273
Driving too slowly	$1644	$279
Failure to yield	$1644	$274
Illegal turn	$1644	$279
At-fault accident - less than $1000	$1659	$277
Failure to stop at a red light	$1659	$282
Following too closely	$1659	$277
Speeding 16 - 20 MPH over limit	$1666	$283
Speeding in school zone	$1666	$278
Improper passing	$1674	$285
Wrong way/wrong lane	$1674	$279
Cell phone violation	$1706	$290
Texting while driving	$1706	$285
Passing school bus	$1722	$293
In 65 MPH zone	$1730	$289
Speeding 21 - 25 MPH over limit	$1746	$297
Operating a vehicle without permission	$1778	$297
At-fault accident - $1000-$2000	$1889	$321
At-fault accident - greater than $2000	$1919	$321
Open container	$1983	$338
Reckless driving	$2300	$383
Racing	$2322	$395
Driving with a suspended license	$2370	$395
Refusal to submit to a chemical test	$2386	$406
DUI	$2394	$399
Leaving scene of an accident/hit and run	$2418	$411

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Hometown 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 Hometown.

The cheapest car insurance premiums in Hometown are offered by Mercury at $301 for a six-month policy. However, it can be as expensive as $3389 with companies like Farmers.

Hometown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$301	$51
American Family	$317	$53
Travelers	$846	$142
Progressive	$1019	$172
Erie	$1217	$205
Country Financial	$1414	$238
USAA	$1943	$327
State Farm	$1999	$336
Auto-Owners	$2109	$359
Allstate	$3350	$564
Farmers	$3389	$576

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 Hometown are offered by Westfield at $253. However, it can be as expensive as $6210 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hometown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$253	$43
Auto-Owners Insurance Co	$285	$48
Mercury	$309	$52
American Family	$317	$53
Hanover	$379	$64
Erie	$790	$133
Country Financial	$948	$160
Travelers	$1201	$200
Auto-Owners	$1217	$207
State Farm	$1524	$254
USAA	$1682	$286
Progressive	$1722	$287
Allstate	$3587	$610
Farmers	$6210	$1035

Car Insurance Price Trends in Hometown, Illinois

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

The average cost of full coverage in the Hometown remained steady at $225 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Hometown remained steady at $68 in both March and February, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Hometown?

The car insurance in Hometown is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Hometown?

The cheapest car insurance in Hometown is $81 per month for full coverage.

How much is car insurance in Hometown for teenagers?

Car insurance for teenagers costs $253 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 Hometown?

The average cost of car insurance is $866 for a six-month policy. It will cost around $194 per month to insure your car in Hometown.

Is car insurance expensive in Hometown?

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

Cheapest Car Insurance Quotes in Hometown

Why you can trust Way?

How Much Is Car Insurance in Hometown

Avg. Car Insurance in Hometown

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Hometown

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Hometown Car Insurance Rates by Company

Cheap Car Insurance Companies in Hometown, IL

Way's key takeaways about car insurance in Hometown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hometown

Cheapest Liability Coverage in Hometown, IL

Cheapest Full Coverage Car Insurance in Hometown

Cheapest Full Coverage Car Insurance Quotes in Hometown, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hometown by Rating Factor

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

Car Insurance Premiums by Age in Hometown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hometown,IL

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

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 Hometown

Cheapest Car Insurance Companies after an At-Fault Accident in Hometown

Hometown Car Insurance Rates by Violation

Hometown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hometown after a DUI

Hometown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hometown after Speeding ticket

Car Insurance Price Trends in Hometown, Illinois

Average Car Insurance Cost in Hometown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hometown, IL

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

Featured Blogs

Data Sources