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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 $1130 for a six-month policy, which is $261 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $580, 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 $580 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 $657 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 $688
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 AutoOwners Insurance Co, offering policies at just $580 for a six-month term. This is followed by Westfield, which has an average six-month premium of $657.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1050 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 $580 for six
months.
The cheapest auto insurance company in Lovejoy is Mercury.
Teen drivers pay the highest rate in Lovejoy at $75 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 $194.
First Chicago is the most
expensive at $255 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 AutoOwners Insurance Co
at $99 per month and $580
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lovejoy,
IL
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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
20s
Auto-Owners
$919
30s
Auto-Owners
$636
40s
Auto-Owners
$624
50s
Auto-Owners
$589
60s
Auto-Owners
$619
70s
Auto-Owners
$785
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 $441 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 Lovejoy.
As young drivers face the highest rates in Lovejoy, AutoOwners
offers the cheapest auto insurance rates at $919 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 $294 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 State Farm, offering
rates of around $4039 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 AutoOwners Insurance Co
and Westfield, offering $324
and $332,
respectively. Hastings Mutual is an expensive provider
with an average six-month premium of
$386.
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 $1066 for a six
month policy. While the rate increases by $286 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
$1274
$212
One Med/PIP claim
$1282
$218
Not-at-fault accident
$1352
$225
One comp claim
$1382
$235
Two Med/PIP claims
$1382
$230
Failure to wear a seat belt
$1482
$252
Driving without lights
$1498
$250
Child safety restraint
$1505
$256
Two comp claims
$1505
$251
Failure to show documents
$1529
$260
Speeding 6 - 10 MPH over limit
$1560
$260
Driving with expired registration
$1568
$267
Speeding 11 - 15 MPH over limit
$1599
$267
Driving too slowly
$1607
$273
Failure to yield
$1607
$268
Illegal turn
$1607
$273
At-fault accident - less than $1000
$1621
$270
Failure to stop at a red light
$1621
$276
Following too closely
$1621
$270
Speeding 16 - 20 MPH over limit
$1629
$277
Speeding in school zone
$1629
$272
Improper passing
$1637
$278
Wrong way/wrong lane
$1637
$273
Cell phone violation
$1668
$283
Texting while driving
$1668
$278
Passing school bus
$1684
$286
In 65 MPH zone
$1691
$282
Speeding 21 - 25 MPH over limit
$1707
$290
Operating a vehicle without permission
$1738
$290
At-fault accident - $1000-$2000
$1846
$313
At-fault accident - greater than $2000
$1876
$313
Open container
$1938
$330
Reckless driving
$2248
$374
Racing
$2270
$386
Driving with a suspended license
$2317
$386
Refusal to submit to a chemical test
$2332
$397
DUI
$2340
$390
Leaving scene of an accident/hit and run
$2363
$402
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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 $294 for a six-month policy.
However, it can be as
expensive as $3312 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 $247. However,
it can be as expensive as $6070
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 rose by
$251 in December
compared to $248 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Lovejoy rose to $69 in December,
compared to $66 in November.
This represents an increase of $3
when comparing December and November.
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 $2259 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 $99 per month
for full coverage.
How much is car insurance in Lovejoy for teenagers?
Car insurance for teenagers costs $247 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 $869 for a six-month
policy. It will cost around $189 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
AutoOwners Insurance Co, offering $580 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
