Cheapest Car Insurance Quotes in Lake Villa

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Lake Villa 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 Lake Villa

The car insurance rate in Lake Villa is $915 for a six-month policy, which is $44 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $374, making it a popular choice for budget-conscious drivers. Rates in Lake Villa 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 Villa

$915

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Lake Villa

1st place: American Family

At $374 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 $468 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $530 for six months, making it the third cheapest auto insurance company in Lake Villa.

Lake Villa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Villa, IL is American Family, offering policies at just $374 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $468.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $986 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Villa drivers find the best deals.

Cheap Car Insurance Companies in Lake Villa, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$374	$64
Auto-Owners Insurance Co	$468	$78
Westfield	$530	$90
Travelers	$679	$114
Country Financial	$723	$122
Erie	$842	$142
USAA	$1004	$169
Auto-Owners	$1035	$174
Progressive	$1061	$179
State Farm	$1141	$192
Farmers	$1254	$213
Allstate	$1803	$303
Hanover	$986	$164

Key Takeaways

Way's key takeaways about car insurance in Lake Villa

The auto insurance costs in Lake Villa fall around $374 for six months.
The cheapest auto insurance company in Lake Villa is Mercury.
Teen drivers pay the highest rate in Lake Villa at $61 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Lake Villa

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 Villa are given below.

Mercury provides the cheapest minimum car insurance coverage in Lake Villa. Their Average 6 Month Premium is $156. AAA is the most expensive at $268 for the same period.

Cheapest Liability Coverage in Lake Villa, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$156	$26
Westfield	$168	$28
Auto-Owners Insurance Co	$200	$34
American Family	$212	$36
Erie	$261	$44
Travelers	$287	$48
Auto-Owners	$293	$49
Country Financial	$293	$49
USAA	$362	$61
State Farm	$386	$65
Progressive	$405	$68
Allstate	$599	$101
Farmers	$780	$132
Hanover	$187	$32
AAA	$268	$45

Cheapest Full Coverage Car Insurance in Lake Villa

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 Villa is American Family at $64 per month and $374 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Villa, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$374	$64
Auto-Owners Insurance Co	$468	$78
Westfield	$530	$90
Travelers	$679	$114
Country Financial	$723	$122
Erie	$842	$142
USAA	$1004	$169
Auto-Owners	$1035	$174
Progressive	$1061	$179
State Farm	$1141	$192
Farmers	$1254	$213
Allstate	$1803	$303
Hanover	$986	$164

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Average Car Insurance in Lake Villa 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 Villa, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Villa, 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 Villa'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 Villa

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 Villa,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lake Villa at $34 per month. At $356 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
American Family	$231	$39
Mercury	$231	$39
Auto-Owners Insurance Co	$250	$42
Farmers	$405	$67
Country Financial	$1135	$191
Travelers	$1185	$200
Erie	$1347	$227
USAA	$2045	$344
Auto-Owners	$2233	$380
Progressive	$3144	$529
State Farm	$3886	$654
Allstate	$4241	$714
AAA	$356	$61

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 Villa, Mercury is the cheapest car insurance provider. At $237 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 Villa is Farmers, offering rates of around $3050 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$237	$40
Westfield	$312	$53
American Family	$393	$67
Hanover	$418	$69
Travelers	$749	$126
Country Financial	$842	$142
Progressive	$1042	$175
USAA	$1846	$308
Erie	$2009	$341
Auto-Owners	$2857	$476
Allstate	$3269	$555
State Farm	$4877	$813
Farmers	$3050	$519

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Car Insurance Rates with An Accident in Lake Villa

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

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

The cheapest car insurance companies after an at-fault accident in Lake Villa include American Family and AutoOwners Insurance Co, offering $250 and $261, respectively. AAA is an expensive provider with an average six-month premium of $443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$250	$42
Auto-Owners Insurance Co	$261	$44
Westfield	$268	$45
Mercury	$343	$59
Farmers	$511	$85
Travelers	$630	$106
Erie	$780	$131
Country Financial	$830	$140
State Farm	$1048	$176
USAA	$1122	$189
Auto-Owners	$1173	$195
Progressive	$1584	$267
Allstate	$3074	$518
AAA	$443	$76

Lake Villa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Villa IL. For example, the car insurance in Lake Villa after a DUI increases to $861 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Lake Villa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1029	$171
One Med/PIP claim	$1035	$176
Not-at-fault accident	$1092	$182
One comp claim	$1116	$190
Two Med/PIP claims	$1116	$186
Failure to wear a seat belt	$1197	$204
Driving without lights	$1210	$202
Child safety restraint	$1216	$207
Two comp claims	$1216	$203
Failure to show documents	$1235	$210
Speeding 6 - 10 MPH over limit	$1260	$210
Driving with expired registration	$1266	$215
Speeding 11 - 15 MPH over limit	$1292	$215
Driving too slowly	$1298	$221
Failure to yield	$1298	$216
Illegal turn	$1298	$221
At-fault accident - less than $1000	$1309	$218
Failure to stop at a red light	$1309	$223
Following too closely	$1309	$218
Speeding 16 - 20 MPH over limit	$1316	$224
Speeding in school zone	$1316	$219
Improper passing	$1322	$225
Wrong way/wrong lane	$1322	$221
Cell phone violation	$1347	$229
Texting while driving	$1347	$225
Passing school bus	$1360	$231
In 65 MPH zone	$1366	$228
Speeding 21 - 25 MPH over limit	$1379	$234
Operating a vehicle without permission	$1404	$234
At-fault accident - $1000-$2000	$1491	$253
At-fault accident - greater than $2000	$1515	$253
Open container	$1566	$267
Reckless driving	$1815	$302
Racing	$1833	$312
Driving with a suspended license	$1871	$312
Refusal to submit to a chemical test	$1884	$320
DUI	$1890	$315
Leaving scene of an accident/hit and run	$1909	$324

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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 Villa 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 Villa.

The cheapest car insurance premiums in Lake Villa are offered by Mercury at $237 for a six-month policy. However, it can be as expensive as $2675 with companies like Farmers.

Lake Villa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$237	$40
American Family	$250	$42
Travelers	$668	$112
Progressive	$804	$135
Erie	$961	$162
Country Financial	$1116	$188
USAA	$1534	$258
State Farm	$1578	$266
Auto-Owners	$1665	$284
Allstate	$2645	$445
Farmers	$2675	$455

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 Villa are offered by Westfield at $200. However, it can be as expensive as $4902 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Villa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
Auto-Owners Insurance Co	$225	$38
Mercury	$244	$41
American Family	$250	$42
Hanover	$299	$50
Erie	$624	$105
Country Financial	$749	$126
Travelers	$948	$158
Auto-Owners	$961	$164
State Farm	$1203	$201
USAA	$1328	$226
Progressive	$1360	$227
Allstate	$2832	$482
Farmers	$4902	$817

Car Insurance Price Trends in Lake Villa, Illinois

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

The average cost of full coverage in the Lake Villa dipped by $177 in January compared to $203 of December. In other words, there has been an decrease by $26 when you compare January and December.

The average cost of liability insurance in the Lake Villa dipped to $54 in January, compared to $56 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 Villa?

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

What is the cheapest car insurance in Lake Villa?

The cheapest car insurance in Lake Villa is $64 per month for full coverage.

How much is car insurance in Lake Villa for teenagers?

Car insurance for teenagers costs $200 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 Villa?

The average cost of car insurance is $871 for a six-month policy. It will cost around $153 per month to insure your car in Lake Villa.

Is car insurance expensive in Lake Villa?

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

Cheapest Car Insurance Quotes in Lake Villa

Why you can trust Way?

How Much Is Car Insurance in Lake Villa

Avg. Car Insurance in Lake Villa

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Lake Villa

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Lake Villa Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Villa, IL

Way's key takeaways about car insurance in Lake Villa

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Villa

Cheapest Liability Coverage in Lake Villa, IL

Cheapest Full Coverage Car Insurance in Lake Villa

Cheapest Full Coverage Car Insurance Quotes in Lake Villa, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Villa by Rating Factor

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

Car Insurance Premiums by Age in Lake Villa

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Villa

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

Lake Villa Car Insurance Rates by Violation

Lake Villa auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Villa after a DUI

Lake Villa car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Villa after Speeding ticket

Car Insurance Price Trends in Lake Villa, Illinois

Average Car Insurance Cost in Lake Villa by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Villa, IL

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

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