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Finding the cheapest car insurance quotes in Lovejoy 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 Lovejoy
The car insurance rate in Lovejoy is $1150 for a six-month policy, which is $279 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $470, making it a popular choice for budget-conscious drivers. Rates in Lovejoy 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.
At $470 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 $589 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $667
for six months, making it
the third cheapest auto insurance company in Lovejoy.
Lovejoy Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lovejoy, IL is American Family, offering policies at just $470 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $589.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1239 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lovejoy drivers find the best deals.
Way's key takeaways about car insurance in Lovejoy
The auto insurance costs in Lovejoy fall around $470 for six
months.
The cheapest auto insurance company in Lovejoy is Mercury.
Teen drivers pay the highest rate in Lovejoy at $77 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 Lovejoy
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 Lovejoy are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Lovejoy. Their Average 6 Month Premium is $197.
AAA is the most
expensive at $337 for the same
period.
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 Lovejoy is American Family
at $81 per month and $470
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lovejoy,
IL
Get Your Car Insurance Quote in Lovejoy
Instantly!
Average Car Insurance in Lovejoy 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 Lovejoy, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lovejoy, 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, Lovejoy's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lovejoy
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
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Cheapest Car Insurance Rates for Teen Drivers in
Lovejoy,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Lovejoy at $42
per
month. At $447 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Lovejoy.
As young drivers face the highest rates in Lovejoy, N/A
offers the cheapest auto insurance rates at $N/A 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 Lovejoy,
Mercury is
the cheapest car insurance provider. At $298 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
Lovejoy is Farmers, offering
rates of around $3835 for six
months.
Save up to $971/yr on car insurance rates in Lovejoy.
Car Insurance Rates with An Accident in Lovejoy
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 Lovejoy, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lovejoy
The cheapest car insurance companies after an at-fault accident in
Lovejoy include American Family
and AutoOwners Insurance Co, offering $314
and $329,
respectively. AAA is an expensive provider
with an average six-month premium of
$557.
Here is a list of driving violations that can increase your car
insurance rates in Lovejoy IL. For example, the car
insurance in Lovejoy
after a DUI increases to $1082 for a six
month policy. While the rate increases by $290 for a six-month policy in the case of
a speeding ticket.
Lovejoy auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1294
$215
One Med/PIP claim
$1302
$222
Not-at-fault accident
$1373
$228
One comp claim
$1403
$239
Two Med/PIP claims
$1403
$234
Failure to wear a seat belt
$1505
$256
Driving without lights
$1521
$253
Child safety restraint
$1529
$260
Two comp claims
$1529
$255
Failure to show documents
$1552
$264
Speeding 6 - 10 MPH over limit
$1584
$264
Driving with expired registration
$1592
$271
Speeding 11 - 15 MPH over limit
$1624
$271
Driving too slowly
$1632
$277
Failure to yield
$1632
$272
Illegal turn
$1632
$277
At-fault accident - less than $1000
$1646
$275
Failure to stop at a red light
$1646
$280
Following too closely
$1646
$275
Speeding 16 - 20 MPH over limit
$1654
$281
Speeding in school zone
$1654
$276
Improper passing
$1662
$282
Wrong way/wrong lane
$1662
$277
Cell phone violation
$1694
$288
Texting while driving
$1694
$282
Passing school bus
$1709
$290
In 65 MPH zone
$1717
$286
Speeding 21 - 25 MPH over limit
$1733
$294
Operating a vehicle without permission
$1765
$294
At-fault accident - $1000-$2000
$1874
$318
At-fault accident - greater than $2000
$1905
$318
Open container
$1968
$335
Reckless driving
$2282
$380
Racing
$2305
$392
Driving with a suspended license
$2352
$392
Refusal to submit to a chemical test
$2368
$403
DUI
$2376
$396
Leaving scene of an accident/hit and run
$2400
$408
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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 Lovejoy 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 Lovejoy.
The cheapest car insurance premiums in
Lovejoy are
offered by Mercury at $298 for a six-month policy.
However, it can be as
expensive as $3363 with companies
like Farmers.
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 Lovejoy are offered by Westfield
at $251. However,
it can be as expensive as $6163
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Lovejoy after Speeding ticket
Car insurance rates in Lovejoy have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lovejoy dipped by
$223 in January
compared to $255 of December. In other words, there has been an decrease by $32 when you
compare January and December.
The average cost of liability insurance in the Lovejoy dipped to $67 in January,
compared to $70 in December.
This represents an decrease of $3
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lovejoy. At $2299 for a
six-month policy, insuring
your car at 62059 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 Lovejoy?
The car insurance in Lovejoy is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Lovejoy?
The cheapest car insurance in Lovejoy
is $81 per month
for full coverage.
How much is car insurance in Lovejoy for teenagers?
Car insurance for teenagers costs $251 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
Lovejoy?
The average cost of car insurance is $871 for a six-month
policy. It will cost around $193 per month to insure your
car in Lovejoy.
Is car insurance expensive in Lovejoy?
Car insurance can be expensive in Lovejoy if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lovejoy can be
affordable.
What is the best car insurance in Lovejoy,
IL?
The best car insurance company in Lovejoy
IL is
American Family, offering $470 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lovejoy, IL
Car Insurance Rates by State in the USA (2025 Update)
Lovejoy Car Insurance
