Cheapest Car Insurance Quotes in Lake of the Woods

Finding the cheapest car insurance quotes in Lake of the Woods 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.
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Lake of the Woods Car Insurance

^$ 24

/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 Lake of the Woods

The car insurance rate in Lake of the Woods is $845 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $345, making it a popular choice for budget-conscious drivers. Rates in Lake of the Woods 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 Lake of the Woods

$845

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Lake of the Woods

1st place: American Family

At $345 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 $433 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $490 for six months, making it the third cheapest auto insurance company in Lake of the Woods.

Lake of the Woods Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake of the Woods, IL is American Family, offering policies at just $345 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $433.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $911 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake of the Woods drivers find the best deals.

Cheap Car Insurance Companies in Lake of the Woods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$345	$59
Auto-Owners Insurance Co	$433	$72
Westfield	$490	$83
Travelers	$628	$106
Country Financial	$668	$113
Erie	$778	$131
USAA	$927	$156
Auto-Owners	$956	$161
Progressive	$980	$165
State Farm	$1054	$178
Farmers	$1158	$197
Allstate	$1665	$280
Hanover	$911	$151

Key Takeaways

Way's key takeaways about car insurance in Lake of the Woods

The auto insurance costs in Lake of the Woods fall around $345 for six months.
The cheapest auto insurance company in Lake of the Woods is Mercury.
Teen drivers pay the highest rate in Lake of the Woods at $56 per month.

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Cheapest Minimum Liability Car Insurance in Lake of the Woods

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 Lake of the Woods are given below.

Mercury provides the cheapest minimum car insurance coverage in Lake of the Woods. Their Average 6 Month Premium is $145. AAA is the most expensive at $247 for the same period.

Cheapest Liability Coverage in Lake of the Woods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$145	$24
Westfield	$155	$26
Auto-Owners Insurance Co	$184	$31
American Family	$196	$33
Erie	$242	$41
Travelers	$265	$45
Auto-Owners	$271	$46
Country Financial	$271	$46
USAA	$335	$56
State Farm	$357	$60
Progressive	$374	$63
Allstate	$553	$93
Farmers	$721	$122
Hanover	$173	$29
AAA	$247	$42

Cheapest Full Coverage Car Insurance in Lake of the Woods

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 Lake of the Woods is American Family at $59 per month and $345 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake of the Woods, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$345	$59
Auto-Owners Insurance Co	$433	$72
Westfield	$490	$83
Travelers	$628	$106
Country Financial	$668	$113
Erie	$778	$131
USAA	$927	$156
Auto-Owners	$956	$161
Progressive	$980	$165
State Farm	$1054	$178
Farmers	$1158	$197
Allstate	$1665	$280
Hanover	$911	$151

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Average Car Insurance in Lake of the Woods 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 Lake of the Woods, IL increasing?

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

Car Insurance Premiums by Age in Lake of the Woods

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 Lake of the Woods,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lake of the Woods at $31 per month. At $329 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$184	$31
American Family	$213	$36
Mercury	$213	$36
Auto-Owners Insurance Co	$231	$39
Farmers	$374	$62
Country Financial	$1049	$177
Travelers	$1095	$184
Erie	$1245	$210
USAA	$1890	$318
Auto-Owners	$2063	$351
Progressive	$2904	$489
State Farm	$3590	$604
Allstate	$3918	$660
AAA	$329	$56

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 Lake of the Woods, Mercury is the cheapest car insurance provider. At $219 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 Lake of the Woods is Farmers, offering rates of around $2818 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$219	$37
Westfield	$288	$49
American Family	$363	$62
Hanover	$386	$64
Travelers	$692	$116
Country Financial	$778	$131
Progressive	$962	$162
USAA	$1705	$284
Erie	$1856	$315
Auto-Owners	$2639	$439
Allstate	$3020	$513
State Farm	$4506	$751
Farmers	$2818	$479

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lake of the Woods.

Car Insurance Rates with An Accident in Lake of the Woods

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 Lake of the Woods, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake of the Woods

The cheapest car insurance companies after an at-fault accident in Lake of the Woods include American Family and AutoOwners Insurance Co, offering $231 and $242, respectively. AAA is an expensive provider with an average six-month premium of $409.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$231	$39
Auto-Owners Insurance Co	$242	$41
Westfield	$247	$42
Mercury	$317	$54
Farmers	$472	$79
Travelers	$582	$98
Erie	$721	$121
Country Financial	$766	$129
State Farm	$968	$163
USAA	$1037	$175
Auto-Owners	$1083	$180
Progressive	$1464	$246
Allstate	$2840	$478
AAA	$409	$70

Lake of the Woods Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake of the Woods IL. For example, the car insurance in Lake of the Woods after a DUI increases to $795 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

Lake of the Woods auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$951	$158
One Med/PIP claim	$956	$163
Not-at-fault accident	$1009	$168
One comp claim	$1031	$176
Two Med/PIP claims	$1031	$172
Failure to wear a seat belt	$1106	$188
Driving without lights	$1117	$186
Child safety restraint	$1123	$191
Two comp claims	$1123	$187
Failure to show documents	$1141	$194
Speeding 6 - 10 MPH over limit	$1164	$194
Driving with expired registration	$1170	$199
Speeding 11 - 15 MPH over limit	$1193	$199
Driving too slowly	$1199	$204
Failure to yield	$1199	$200
Illegal turn	$1199	$204
At-fault accident - less than $1000	$1210	$202
Failure to stop at a red light	$1210	$206
Following too closely	$1210	$202
Speeding 16 - 20 MPH over limit	$1215	$207
Speeding in school zone	$1215	$203
Improper passing	$1221	$208
Wrong way/wrong lane	$1221	$204
Cell phone violation	$1245	$211
Texting while driving	$1245	$208
Passing school bus	$1256	$213
In 65 MPH zone	$1262	$210
Speeding 21 - 25 MPH over limit	$1274	$216
Operating a vehicle without permission	$1297	$216
At-fault accident - $1000-$2000	$1377	$234
At-fault accident - greater than $2000	$1400	$234
Open container	$1446	$246
Reckless driving	$1677	$279
Racing	$1694	$288
Driving with a suspended license	$1729	$288
Refusal to submit to a chemical test	$1740	$296
DUI	$1746	$291
Leaving scene of an accident/hit and run	$1763	$300

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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 Lake of the Woods 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 Lake of the Woods.

The cheapest car insurance premiums in Lake of the Woods are offered by Mercury at $219 for a six-month policy. However, it can be as expensive as $2472 with companies like Farmers.

Lake of the Woods car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$219	$37
American Family	$231	$39
Travelers	$617	$104
Progressive	$743	$125
Erie	$888	$149
Country Financial	$1031	$174
USAA	$1417	$239
State Farm	$1458	$245
Auto-Owners	$1538	$262
Allstate	$2443	$411
Farmers	$2472	$420

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 Lake of the Woods are offered by Westfield at $184. However, it can be as expensive as $4529 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake of the Woods after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$184	$31
Auto-Owners Insurance Co	$208	$35
Mercury	$225	$38
American Family	$231	$39
Hanover	$276	$47
Erie	$576	$97
Country Financial	$692	$116
Travelers	$876	$146
Auto-Owners	$888	$151
State Farm	$1112	$185
USAA	$1227	$209
Progressive	$1256	$210
Allstate	$2616	$445
Farmers	$4529	$755

Car Insurance Price Trends in Lake of the Woods, Illinois

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

The average cost of full coverage in the Lake of the Woods dipped by $164 in January compared to $187 of December. In other words, there has been an decrease by $23 when you compare January and December.

The average cost of liability insurance in the Lake of the Woods dipped to $49 in January, compared to $51 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 Lake of the Woods?

The car insurance in Lake of the Woods is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Lake of the Woods?

The cheapest car insurance in Lake of the Woods is $59 per month for full coverage.

How much is car insurance in Lake of the Woods for teenagers?

Car insurance for teenagers costs $184 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 Lake of the Woods?

The average cost of car insurance is $871 for a six-month policy. It will cost around $142 per month to insure your car in Lake of the Woods.

Is car insurance expensive in Lake of the Woods?

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

Cheapest Car Insurance Quotes in Lake of the Woods

Why you can trust Way?

How Much Is Car Insurance in Lake of the Woods

Avg. Car Insurance in Lake of the Woods

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Lake of the Woods

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Lake of the Woods Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake of the Woods, IL

Way's key takeaways about car insurance in Lake of the Woods

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake of the Woods

Cheapest Liability Coverage in Lake of the Woods, IL

Cheapest Full Coverage Car Insurance in Lake of the Woods

Cheapest Full Coverage Car Insurance Quotes in Lake of the Woods, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake of the Woods by Rating Factor

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

Car Insurance Premiums by Age in Lake of the Woods

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake of the Woods,IL

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

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 Lake of the Woods

Cheapest Car Insurance Companies after an At-Fault Accident in Lake of the Woods

Lake of the Woods Car Insurance Rates by Violation

Lake of the Woods auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake of the Woods after a DUI

Lake of the Woods car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake of the Woods after Speeding ticket

Car Insurance Price Trends in Lake of the Woods, Illinois

Average Car Insurance Cost in Lake of the Woods by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake of the Woods, IL

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

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Data Sources