Cheapest Car Insurance Quotes in Lynwood

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Lynwood Car Insurance

^$ 32

/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 Lynwood

The car insurance rate in Lynwood is $1112 for a six-month policy, which is $243 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $571, making it a popular choice for budget-conscious drivers. Rates in Lynwood 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 Lynwood

$1112

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Lynwood

1st place: AutoOwners Insurance Co

At $571 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 $646 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 $677 for six months, making it the third cheapest auto insurance company in Lynwood.

Lynwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lynwood, IL is AutoOwners Insurance Co, offering policies at just $571 for a six-month term. This is followed by Westfield, which has an average six-month premium of $646.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1034 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lynwood drivers find the best deals.

Cheap Car Insurance Companies in Lynwood, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$571	$97
Westfield	$646	$108
Country Financial	$677	$114
Travelers	$806	$136
American Family	$936	$157
Erie	$980	$164
USAA	$1156	$195
State Farm	$1164	$196
Progressive	$1277	$215
Auto-Owners	$1345	$224
Allstate	$1932	$325
Farmers	$1932	$325
Hanover	$1202	$200
Mercury	$1027	$172
Hastings Mutual	$1034	$175

Key Takeaways

Way's key takeaways about car insurance in Lynwood

The auto insurance costs in Lynwood fall around $571 for six months.
The cheapest auto insurance company in Lynwood is Mercury.
Teen drivers pay the highest rate in Lynwood at $74 per month.

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Cheapest Minimum Liability Car Insurance in Lynwood

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 Lynwood are given below.

Mercury provides the cheapest minimum car insurance coverage in Lynwood. Their Average 6 Month Premium is $191. First Chicago is the most expensive at $251 for the same period.

Cheapest Liability Coverage in Lynwood, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$191	$32
Westfield	$205	$35
Auto-Owners Insurance Co	$243	$41
Country Financial	$259	$44
Erie	$319	$54
Auto-Owners	$349	$59
Travelers	$349	$59
American Family	$403	$68
State Farm	$403	$68
USAA	$426	$72
Progressive	$494	$83
Allstate	$776	$131
Farmers	$951	$161
Hanover	$228	$38
AAA	$326	$55
First Chicago	$251	$42

Cheapest Full Coverage Car Insurance in Lynwood

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 Lynwood is AutoOwners Insurance Co at $97 per month and $571 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lynwood, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$571	$97
Westfield	$646	$108
Country Financial	$677	$114
Travelers	$806	$136
American Family	$936	$157
Erie	$980	$164
USAA	$1156	$195
State Farm	$1164	$196
Progressive	$1277	$215
Auto-Owners	$1345	$224
Allstate	$1932	$325
Farmers	$1932	$325
Hanover	$1202	$200
Mercury	$1027	$172
Hastings Mutual	$1034	$175

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Average Car Insurance in Lynwood 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 Lynwood, IL increasing?

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

Car Insurance Premiums by Age in Lynwood

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	$905
30s	Auto-Owners	$626
40s	Auto-Owners	$614
50s	Auto-Owners	$580
60s	Auto-Owners	$609
70s	Auto-Owners	$773

Cheapest Car Insurance Rates for Teen Drivers in Lynwood,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lynwood at $41 per month. At $434 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
Mercury	$282	$47
Auto-Owners Insurance Co	$305	$51
Country Financial	$1034	$174
Erie	$1270	$214
Travelers	$1345	$227
USAA	$2342	$394
American Family	$2806	$472
State Farm	$4037	$680
Progressive	$4045	$681
Allstate	$4699	$791
Farmers	$4782	$805
AAA	$434	$74

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Lynwood.

As young drivers face the highest rates in Lynwood, AutoOwners offers the cheapest auto insurance rates at $905 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 Lynwood, Mercury is the cheapest car insurance provider. At $289 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 Lynwood is State Farm, offering rates of around $3977 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$289	$49
Westfield	$380	$65
Hanover	$509	$84
Country Financial	$760	$128
Travelers	$844	$142
Progressive	$1208	$204
American Family	$1482	$250
USAA	$1969	$335
Allstate	$3232	$539
Farmers	$3718	$632
State Farm	$3977	$663

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Car Insurance Rates with An Accident in Lynwood

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lynwood

The cheapest car insurance companies after an at-fault accident in Lynwood include AutoOwners Insurance Co and Westfield, offering $319 and $326, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $380.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$319	$54
Westfield	$326	$55
Mercury	$419	$69
Travelers	$730	$123
Erie	$737	$124
Country Financial	$745	$125
State Farm	$1102	$186
USAA	$1133	$191
American Family	$1270	$214
Progressive	$1833	$308
Farmers	$2022	$340
Allstate	$3354	$564
AAA	$540	$92
First Chicago	$349	$59
Hastings Mutual	$380	$65

Lynwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lynwood IL. For example, the car insurance in Lynwood after a DUI increases to $1050 for a six month policy. While the rate increases by $282 for a six-month policy in the case of a speeding ticket.

Lynwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1254	$209
One Med/PIP claim	$1262	$215
Not-at-fault accident	$1331	$221
One comp claim	$1361	$232
Two Med/PIP claims	$1361	$227
Failure to wear a seat belt	$1459	$248
Driving without lights	$1475	$246
Child safety restraint	$1482	$252
Two comp claims	$1482	$247
Failure to show documents	$1505	$256
Speeding 6 - 10 MPH over limit	$1536	$256
Driving with expired registration	$1544	$262
Speeding 11 - 15 MPH over limit	$1574	$262
Driving too slowly	$1582	$269
Failure to yield	$1582	$264
Illegal turn	$1582	$269
At-fault accident - less than $1000	$1596	$266
Failure to stop at a red light	$1596	$271
Following too closely	$1596	$266
Speeding 16 - 20 MPH over limit	$1604	$273
Speeding in school zone	$1604	$268
Improper passing	$1612	$274
Wrong way/wrong lane	$1612	$269
Cell phone violation	$1642	$279
Texting while driving	$1642	$274
Passing school bus	$1658	$282
In 65 MPH zone	$1665	$278
Speeding 21 - 25 MPH over limit	$1681	$285
Operating a vehicle without permission	$1711	$285
At-fault accident - $1000-$2000	$1818	$308
At-fault accident - greater than $2000	$1847	$308
Open container	$1908	$325
Reckless driving	$2213	$369
Racing	$2235	$380
Driving with a suspended license	$2281	$380
Refusal to submit to a chemical test	$2296	$390
DUI	$2304	$384
Leaving scene of an accident/hit and run	$2327	$396

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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 Lynwood 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 Lynwood.

The cheapest car insurance premiums in Lynwood are offered by Mercury at $289 for a six-month policy. However, it can be as expensive as $3261 with companies like Farmers.

Lynwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$289	$49
Travelers	$776	$131
Erie	$897	$151
Progressive	$936	$157
Country Financial	$1179	$198
American Family	$1437	$242
State Farm	$1559	$262
USAA	$1825	$307
Allstate	$2866	$483
Farmers	$3261	$554

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 Lynwood are offered by Westfield at $243. However, it can be as expensive as $5976 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lynwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
Auto-Owners Insurance Co	$274	$46
Mercury	$297	$50
Erie	$319	$54
Hanover	$365	$61
Country Financial	$768	$129
USAA	$996	$166
State Farm	$1361	$232
Travelers	$1544	$257
Progressive	$1596	$271
American Family	$1772	$298
Allstate	$5079	$864
Farmers	$5976	$996

Car Insurance Price Trends in Lynwood, Illinois

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

The average cost of full coverage in the Lynwood rose by $247 in December compared to $244 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 Lynwood rose to $68 in December, compared to $65 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lynwood?

The car insurance in Lynwood is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Lynwood?

The cheapest car insurance in Lynwood is $97 per month for full coverage.

How much is car insurance in Lynwood for teenagers?

Car insurance for teenagers costs $243 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 Lynwood?

The average cost of car insurance is $869 for a six-month policy. It will cost around $186 per month to insure your car in Lynwood.

Is car insurance expensive in Lynwood?

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

Cheapest Car Insurance Quotes in Lynwood

Why you can trust Way?

How Much Is Car Insurance in Lynwood

Avg. Car Insurance in Lynwood

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Lynwood

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Lynwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Lynwood, IL

Way's key takeaways about car insurance in Lynwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lynwood

Cheapest Liability Coverage in Lynwood, IL

Cheapest Full Coverage Car Insurance in Lynwood

Cheapest Full Coverage Car Insurance Quotes in Lynwood, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lynwood by Rating Factor

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

Car Insurance Premiums by Age in Lynwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lynwood,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Lynwood.

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 Lynwood

Cheapest Car Insurance Companies after an At-Fault Accident in Lynwood

Lynwood Car Insurance Rates by Violation

Lynwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lynwood after a DUI

Lynwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lynwood after Speeding ticket

Car Insurance Price Trends in Lynwood, Illinois

Average Car Insurance Cost in Lynwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lynwood, IL

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

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