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Cheapest Car Insurance Quotes in Lincoln's New Salem
Finding the cheapest car insurance quotes in Lincoln's New Salem 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 Lincoln's New Salem
The car insurance rate in Lincoln's New Salem is $869 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $446, making it a popular choice for budget-conscious drivers. Rates in Lincoln's New Salem 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.
Cheapest Car Insurance Companies in Lincoln's New Salem
1st place: AutoOwners Insurance Co
At $446 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 $505 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 $529
for six months, making it
the third cheapest auto insurance company in Lincoln's New Salem.
Lincoln's New Salem Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lincoln's New Salem, IL is AutoOwners Insurance Co, offering policies at just $446 for a six-month term. This is followed by Westfield, which has an average six-month premium of $505.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $808 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lincoln's New Salem drivers find the best deals.
Cheap Car Insurance Companies in Lincoln's New Salem, IL
Way's key takeaways about car insurance in Lincoln's New Salem
The auto insurance costs in Lincoln's New Salem fall around $446 for six
months.
The cheapest auto insurance company in Lincoln's New Salem is Mercury.
Teen drivers pay the highest rate in Lincoln's New Salem at $58 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 Lincoln's New Salem
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 Lincoln's New Salem are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Lincoln's New Salem. Their Average 6 Month Premium is $149.
First Chicago is the most
expensive at $196 for the same
period.
Cheapest Liability Coverage in Lincoln's New Salem, IL
Cheapest Full Coverage Car Insurance in Lincoln's New Salem
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 Lincoln's New Salem is AutoOwners Insurance Co
at $76 per month and $446
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lincoln's New Salem,
IL
Get Your Car Insurance Quote in Lincoln's New Salem
Instantly!
Average Car Insurance in Lincoln's New Salem 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 Lincoln's New Salem, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lincoln's New Salem, 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, Lincoln's New Salem's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lincoln's New Salem
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
$707
30s
Auto-Owners
$489
40s
Auto-Owners
$480
50s
Auto-Owners
$453
60s
Auto-Owners
$476
70s
Auto-Owners
$604
Cheapest Car Insurance Rates for Teen Drivers in
Lincoln's New Salem,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Lincoln's New Salem at $32
per
month. At $339 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 Lincoln's New Salem.
As young drivers face the highest rates in Lincoln's New Salem, AutoOwners
offers the cheapest auto insurance rates at $707 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 Lincoln's New Salem,
Mercury is
the cheapest car insurance provider. At $226 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
Lincoln's New Salem is State Farm, offering
rates of around $3107 for six
months.
Save up to $971/yr on car insurance rates in Lincoln's New Salem.
Car Insurance Rates with An Accident in Lincoln's New Salem
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 Lincoln's New Salem, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lincoln's New Salem
The cheapest car insurance companies after an at-fault accident in
Lincoln's New Salem include AutoOwners Insurance Co
and Westfield, offering $249
and $255,
respectively. Hastings Mutual is an expensive provider
with an average six-month premium of
$297.
Lincoln's New Salem Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Lincoln's New Salem IL. For example, the car
insurance in Lincoln's New Salem
after a DUI increases to $820 for a six
month policy. While the rate increases by $220 for a six-month policy in the case of
a speeding ticket.
Lincoln's New Salem auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$980
$163
One Med/PIP claim
$986
$168
Not-at-fault accident
$1040
$173
One comp claim
$1063
$181
Two Med/PIP claims
$1063
$177
Failure to wear a seat belt
$1140
$194
Driving without lights
$1152
$192
Child safety restraint
$1158
$197
Two comp claims
$1158
$193
Failure to show documents
$1176
$200
Speeding 6 - 10 MPH over limit
$1200
$200
Driving with expired registration
$1206
$205
Speeding 11 - 15 MPH over limit
$1230
$205
Driving too slowly
$1236
$210
Failure to yield
$1236
$206
Illegal turn
$1236
$210
At-fault accident - less than $1000
$1247
$208
Failure to stop at a red light
$1247
$212
Following too closely
$1247
$208
Speeding 16 - 20 MPH over limit
$1253
$213
Speeding in school zone
$1253
$209
Improper passing
$1259
$214
Wrong way/wrong lane
$1259
$210
Cell phone violation
$1283
$218
Texting while driving
$1283
$214
Passing school bus
$1295
$220
In 65 MPH zone
$1301
$217
Speeding 21 - 25 MPH over limit
$1313
$223
Operating a vehicle without permission
$1337
$223
At-fault accident - $1000-$2000
$1420
$241
At-fault accident - greater than $2000
$1443
$241
Open container
$1491
$254
Reckless driving
$1729
$288
Racing
$1746
$297
Driving with a suspended license
$1782
$297
Refusal to submit to a chemical test
$1794
$305
DUI
$1800
$300
Leaving scene of an accident/hit and run
$1818
$309
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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 Lincoln's New Salem 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 Lincoln's New Salem.
The cheapest car insurance premiums in
Lincoln's New Salem are
offered by Mercury at $226 for a six-month policy.
However, it can be as
expensive as $2548 with companies
like Farmers.
Lincoln's New Salem car insurance quotes with a DUI
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 Lincoln's New Salem are offered by Westfield
at $190. However,
it can be as expensive as $4669
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Lincoln's New Salem after Speeding ticket
Car Insurance Price Trends in Lincoln's New Salem,
Illinois
Car insurance rates in Lincoln's New Salem have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lincoln's New Salem rose by
$193 in December
compared to $191 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Lincoln's New Salem rose to $53 in December,
compared to $51 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Lincoln's New Salem 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
Lincoln's New Salem. At $N/A for a
six-month policy, insuring
your car at N/A 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 Lincoln's New Salem?
The car insurance in Lincoln's New Salem is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Lincoln's New Salem?
The cheapest car insurance in Lincoln's New Salem
is $76 per month
for full coverage.
How much is car insurance in Lincoln's New Salem for teenagers?
Car insurance for teenagers costs $190 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
Lincoln's New Salem?
The average cost of car insurance is $869 for a six-month
policy. It will cost around $145 per month to insure your
car in Lincoln's New Salem.
Is car insurance expensive in Lincoln's New Salem?
Car insurance can be expensive in Lincoln's New Salem if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lincoln's New Salem can be
affordable.
What is the best car insurance in Lincoln's New Salem,
IL?
The best car insurance company in Lincoln's New Salem
IL is
AutoOwners Insurance Co, offering $446 for a
six-month policy.
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Lincoln's New Salem Car Insurance
