Cheapest Car Insurance Quotes in Island Lake

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Island Lake Car Insurance

^$ 26

/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 Island Lake

The car insurance rate in Island Lake is $897 for a six-month policy, which is $26 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $367, making it a popular choice for budget-conscious drivers. Rates in Island Lake 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 Island Lake

$897

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Island Lake

1st place: American Family

At $367 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 $459 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $520 for six months, making it the third cheapest auto insurance company in Island Lake.

Island Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Island Lake, IL is American Family, offering policies at just $367 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $459.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $967 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Island Lake drivers find the best deals.

Cheap Car Insurance Companies in Island Lake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$367	$63
Auto-Owners Insurance Co	$459	$76
Westfield	$520	$89
Travelers	$666	$112
Country Financial	$710	$119
Erie	$826	$139
USAA	$985	$166
Auto-Owners	$1016	$171
Progressive	$1040	$175
State Farm	$1120	$188
Farmers	$1230	$209
Allstate	$1769	$298
Hanover	$967	$161

Key Takeaways

Way's key takeaways about car insurance in Island Lake

The auto insurance costs in Island Lake fall around $367 for six months.
The cheapest auto insurance company in Island Lake is Mercury.
Teen drivers pay the highest rate in Island Lake at $60 per month.

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Cheapest Minimum Liability Car Insurance in Island Lake

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 Island Lake are given below.

Mercury provides the cheapest minimum car insurance coverage in Island Lake. Their Average 6 Month Premium is $153. AAA is the most expensive at $263 for the same period.

Cheapest Liability Coverage in Island Lake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$153	$26
Westfield	$165	$28
Auto-Owners Insurance Co	$196	$33
American Family	$208	$35
Erie	$256	$43
Travelers	$281	$47
Auto-Owners	$287	$48
Country Financial	$287	$48
USAA	$355	$60
State Farm	$379	$64
Progressive	$398	$67
Allstate	$587	$99
Farmers	$765	$130
Hanover	$183	$31
AAA	$263	$44

Cheapest Full Coverage Car Insurance in Island Lake

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 Island Lake is American Family at $63 per month and $367 for six months.

Cheapest Full Coverage Car Insurance Quotes in Island Lake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$367	$63
Auto-Owners Insurance Co	$459	$76
Westfield	$520	$89
Travelers	$666	$112
Country Financial	$710	$119
Erie	$826	$139
USAA	$985	$166
Auto-Owners	$1016	$171
Progressive	$1040	$175
State Farm	$1120	$188
Farmers	$1230	$209
Allstate	$1769	$298
Hanover	$967	$161

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Average Car Insurance in Island Lake 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 Island Lake, IL increasing?

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

Car Insurance Premiums by Age in Island Lake

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 Island Lake,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Island Lake at $33 per month. At $349 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
American Family	$227	$38
Mercury	$227	$38
Auto-Owners Insurance Co	$245	$41
Farmers	$398	$66
Country Financial	$1113	$187
Travelers	$1163	$196
Erie	$1321	$222
USAA	$2006	$338
Auto-Owners	$2191	$373
Progressive	$3084	$519
State Farm	$3812	$642
Allstate	$4160	$700
AAA	$349	$60

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 Island Lake, Mercury is the cheapest car insurance provider. At $233 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 Island Lake is Farmers, offering rates of around $2992 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$39
Westfield	$306	$52
American Family	$385	$66
Hanover	$410	$68
Travelers	$734	$124
Country Financial	$826	$139
Progressive	$1022	$172
USAA	$1811	$302
Erie	$1970	$335
Auto-Owners	$2803	$467
Allstate	$3206	$545
State Farm	$4784	$797
Farmers	$2992	$509

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Car Insurance Rates with An Accident in Island Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Island Lake

The cheapest car insurance companies after an at-fault accident in Island Lake include American Family and AutoOwners Insurance Co, offering $245 and $256, respectively. AAA is an expensive provider with an average six-month premium of $435.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$245	$41
Auto-Owners Insurance Co	$256	$43
Westfield	$263	$44
Mercury	$337	$58
Farmers	$502	$83
Travelers	$618	$104
Erie	$765	$129
Country Financial	$814	$137
State Farm	$1028	$173
USAA	$1101	$185
Auto-Owners	$1151	$192
Progressive	$1554	$262
Allstate	$3016	$508
AAA	$435	$74

Island Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Island Lake IL. For example, the car insurance in Island Lake after a DUI increases to $845 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Island Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1009	$168
One Med/PIP claim	$1016	$173
Not-at-fault accident	$1071	$178
One comp claim	$1095	$186
Two Med/PIP claims	$1095	$182
Failure to wear a seat belt	$1174	$200
Driving without lights	$1187	$198
Child safety restraint	$1193	$203
Two comp claims	$1193	$199
Failure to show documents	$1211	$206
Speeding 6 - 10 MPH over limit	$1236	$206
Driving with expired registration	$1242	$211
Speeding 11 - 15 MPH over limit	$1267	$211
Driving too slowly	$1273	$216
Failure to yield	$1273	$212
Illegal turn	$1273	$216
At-fault accident - less than $1000	$1284	$214
Failure to stop at a red light	$1284	$218
Following too closely	$1284	$214
Speeding 16 - 20 MPH over limit	$1291	$219
Speeding in school zone	$1291	$215
Improper passing	$1297	$220
Wrong way/wrong lane	$1297	$216
Cell phone violation	$1321	$225
Texting while driving	$1321	$220
Passing school bus	$1334	$227
In 65 MPH zone	$1340	$224
Speeding 21 - 25 MPH over limit	$1352	$230
Operating a vehicle without permission	$1377	$230
At-fault accident - $1000-$2000	$1463	$248
At-fault accident - greater than $2000	$1486	$248
Open container	$1536	$262
Reckless driving	$1781	$297
Racing	$1798	$306
Driving with a suspended license	$1835	$306
Refusal to submit to a chemical test	$1848	$314
DUI	$1854	$309
Leaving scene of an accident/hit and run	$1873	$318

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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 Island Lake 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 Island Lake.

The cheapest car insurance premiums in Island Lake are offered by Mercury at $233 for a six-month policy. However, it can be as expensive as $2624 with companies like Farmers.

Island Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$39
American Family	$245	$41
Travelers	$655	$110
Progressive	$789	$133
Erie	$942	$159
Country Financial	$1095	$184
USAA	$1505	$253
State Farm	$1548	$261
Auto-Owners	$1634	$278
Allstate	$2595	$437
Farmers	$2624	$446

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 Island Lake are offered by Westfield at $196. However, it can be as expensive as $4809 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Island Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Auto-Owners Insurance Co	$220	$37
Mercury	$239	$40
American Family	$245	$41
Hanover	$294	$49
Erie	$612	$103
Country Financial	$734	$124
Travelers	$930	$155
Auto-Owners	$942	$161
State Farm	$1180	$197
USAA	$1303	$221
Progressive	$1334	$222
Allstate	$2778	$473
Farmers	$4809	$801

Car Insurance Price Trends in Island Lake, Illinois

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

The average cost of full coverage in the Island Lake dipped by $174 in January compared to $199 of December. In other words, there has been an decrease by $25 when you compare January and December.

The average cost of liability insurance in the Island Lake dipped to $53 in January, compared to $55 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 Island Lake?

The car insurance in Island Lake is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Island Lake?

The cheapest car insurance in Island Lake is $63 per month for full coverage.

How much is car insurance in Island Lake for teenagers?

Car insurance for teenagers costs $196 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 Island Lake?

The average cost of car insurance is $871 for a six-month policy. It will cost around $150 per month to insure your car in Island Lake.

Is car insurance expensive in Island Lake?

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

Cheapest Car Insurance Quotes in Island Lake

Why you can trust Way?

How Much Is Car Insurance in Island Lake

Avg. Car Insurance in Island Lake

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Island Lake

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Island Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Island Lake, IL

Way's key takeaways about car insurance in Island Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Island Lake

Cheapest Liability Coverage in Island Lake, IL

Cheapest Full Coverage Car Insurance in Island Lake

Cheapest Full Coverage Car Insurance Quotes in Island Lake, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Island Lake by Rating Factor

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

Car Insurance Premiums by Age in Island Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Island Lake,IL

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

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 Island Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Island Lake

Island Lake Car Insurance Rates by Violation

Island Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Island Lake after a DUI

Island Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Island Lake after Speeding ticket

Car Insurance Price Trends in Island Lake, Illinois

Average Car Insurance Cost in Island Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Island Lake, IL

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

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