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Lyons Car Insurance
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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.
The car insurance rate in Lyons is $1080 for a six-month policy, which is $209 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, making it a popular choice for budget-conscious drivers. Rates in Lyons 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 $441 for a six month policy, American Family offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $553 for a six-month policy, making it one of the cheapest to insure with.
Westfield offers auto insurance rates at $626 for six months, making it the third cheapest auto insurance company in Lyons.
Based on our research, the cheapest car insurance company in Lyons, IL is American Family, offering policies at just $441 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $553.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1164 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lyons drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $441 | $76 |
| Auto-Owners Insurance Co | $553 | $92 |
| Westfield | $626 | $107 |
| Travelers | $802 | $135 |
| Country Financial | $854 | $144 |
| Erie | $994 | $167 |
| USAA | $1185 | $200 |
| Auto-Owners | $1223 | $206 |
| Progressive | $1252 | $211 |
| State Farm | $1348 | $227 |
| Farmers | $1481 | $252 |
| Allstate | $2129 | $358 |
| Hanover | $1164 | $193 |
Save up to $971/yr with our auto insurance quotes
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 Lyons are given below.
Mercury provides the cheapest minimum car insurance coverage in Lyons. Their Average 6 Month Premium is $185. AAA is the most expensive at $316 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $185 | $31 |
| Westfield | $198 | $33 |
| Auto-Owners Insurance Co | $236 | $40 |
| American Family | $250 | $42 |
| Erie | $309 | $52 |
| Travelers | $339 | $57 |
| Auto-Owners | $346 | $58 |
| Country Financial | $346 | $58 |
| USAA | $428 | $72 |
| State Farm | $456 | $77 |
| Progressive | $479 | $81 |
| Allstate | $707 | $119 |
| Farmers | $921 | $156 |
| Hanover | $221 | $37 |
| AAA | $316 | $53 |
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 Lyons is American Family at $76 per month and $441 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $441 | $76 |
| Auto-Owners Insurance Co | $553 | $92 |
| Westfield | $626 | $107 |
| Travelers | $802 | $135 |
| Country Financial | $854 | $144 |
| Erie | $994 | $167 |
| USAA | $1185 | $200 |
| Auto-Owners | $1223 | $206 |
| Progressive | $1252 | $211 |
| State Farm | $1348 | $227 |
| Farmers | $1481 | $252 |
| Allstate | $2129 | $358 |
| Hanover | $1164 | $193 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Lyons, 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, Lyons's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lyons at $40 per month. At $420 for a six-month premium, AAA offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $236 | $40 |
| American Family | $273 | $46 |
| Mercury | $273 | $46 |
| Auto-Owners Insurance Co | $295 | $50 |
| Farmers | $479 | $79 |
| Country Financial | $1340 | $226 |
| Travelers | $1400 | $236 |
| Erie | $1591 | $268 |
| USAA | $2416 | $407 |
| Auto-Owners | $2637 | $449 |
| Progressive | $3713 | $625 |
| State Farm | $4589 | $773 |
| Allstate | $5008 | $843 |
| AAA | $420 | $72 |
Teen Car Insurance Rates in IL by Age
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.
For those with poor credit scores in Lyons, Mercury is the cheapest car insurance provider. At $280 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 Lyons is Farmers, offering rates of around $3602 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $280 | $47 |
| Westfield | $368 | $62 |
| American Family | $464 | $79 |
| Hanover | $494 | $82 |
| Travelers | $884 | $149 |
| Country Financial | $994 | $167 |
| Progressive | $1230 | $207 |
| USAA | $2180 | $363 |
| Erie | $2372 | $403 |
| Auto-Owners | $3374 | $562 |
| Allstate | $3860 | $656 |
| State Farm | $5760 | $960 |
| Farmers | $3602 | $613 |
Save up to $971/yr on car insurance rates in Lyons.
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 Lyons, IL, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Lyons include American Family and AutoOwners Insurance Co, offering $295 and $309, respectively. AAA is an expensive provider with an average six-month premium of $523.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $295 | $50 |
| Auto-Owners Insurance Co | $309 | $52 |
| Westfield | $316 | $53 |
| Mercury | $405 | $69 |
| Farmers | $604 | $100 |
| Travelers | $744 | $125 |
| Erie | $921 | $155 |
| Country Financial | $980 | $165 |
| State Farm | $1238 | $208 |
| USAA | $1326 | $223 |
| Auto-Owners | $1385 | $231 |
| Progressive | $1871 | $315 |
| Allstate | $3631 | $611 |
| AAA | $523 | $89 |
Here is a list of driving violations that can increase your car insurance rates in Lyons IL. For example, the car insurance in Lyons after a DUI increases to $1017 for a six month policy. While the rate increases by $273 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1215 | $202 |
| One Med/PIP claim | $1223 | $208 |
| Not-at-fault accident | $1290 | $215 |
| One comp claim | $1318 | $224 |
| Two Med/PIP claims | $1318 | $219 |
| Failure to wear a seat belt | $1414 | $241 |
| Driving without lights | $1428 | $238 |
| Child safety restraint | $1436 | $244 |
| Two comp claims | $1436 | $239 |
| Failure to show documents | $1458 | $248 |
| Speeding 6 - 10 MPH over limit | $1488 | $248 |
| Driving with expired registration | $1495 | $254 |
| Speeding 11 - 15 MPH over limit | $1525 | $254 |
| Driving too slowly | $1533 | $260 |
| Failure to yield | $1533 | $255 |
| Illegal turn | $1533 | $260 |
| At-fault accident - less than $1000 | $1546 | $258 |
| Failure to stop at a red light | $1546 | $263 |
| Following too closely | $1546 | $258 |
| Speeding 16 - 20 MPH over limit | $1554 | $264 |
| Speeding in school zone | $1554 | $259 |
| Improper passing | $1561 | $265 |
| Wrong way/wrong lane | $1561 | $260 |
| Cell phone violation | $1591 | $270 |
| Texting while driving | $1591 | $265 |
| Passing school bus | $1606 | $273 |
| In 65 MPH zone | $1613 | $269 |
| Speeding 21 - 25 MPH over limit | $1628 | $277 |
| Operating a vehicle without permission | $1658 | $277 |
| At-fault accident - $1000-$2000 | $1761 | $299 |
| At-fault accident - greater than $2000 | $1789 | $299 |
| Open container | $1849 | $315 |
| Reckless driving | $2144 | $357 |
| Racing | $2165 | $368 |
| Driving with a suspended license | $2210 | $368 |
| Refusal to submit to a chemical test | $2225 | $378 |
| DUI | $2232 | $372 |
| Leaving scene of an accident/hit and run | $2254 | $383 |
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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.
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 Lyons.
The cheapest car insurance premiums in Lyons are offered by Mercury at $280 for a six-month policy. However, it can be as expensive as $3160 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $280 | $47 |
| American Family | $295 | $50 |
| Travelers | $789 | $133 |
| Progressive | $950 | $160 |
| Erie | $1135 | $191 |
| Country Financial | $1318 | $222 |
| USAA | $1812 | $305 |
| State Farm | $1864 | $314 |
| Auto-Owners | $1967 | $335 |
| Allstate | $3124 | $526 |
| Farmers | $3160 | $537 |
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 Lyons are offered by Westfield at $236. However, it can be as expensive as $5790 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $236 | $40 |
| Auto-Owners Insurance Co | $265 | $45 |
| Mercury | $288 | $48 |
| American Family | $295 | $50 |
| Hanover | $353 | $60 |
| Erie | $737 | $124 |
| Country Financial | $884 | $149 |
| Travelers | $1120 | $186 |
| Auto-Owners | $1135 | $193 |
| State Farm | $1421 | $237 |
| USAA | $1569 | $267 |
| Progressive | $1606 | $268 |
| Allstate | $3344 | $569 |
| Farmers | $5790 | $965 |
Car insurance rates in Lyons have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lyons dipped by $210 in January compared to $239 of December. In other words, there has been an decrease by $29 when you compare January and December.
The average cost of liability insurance in the Lyons dipped to $63 in January, compared to $66 in December. This represents an decrease of $3 when comparing January and December.
How much is car insurance in Lyons?
The car insurance in Lyons is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Lyons?
The cheapest car insurance in Lyons is $76 per month for full coverage.
How much is car insurance in Lyons for teenagers?
Car insurance for teenagers costs $236 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 Lyons?
The average cost of car insurance is $871 for a six-month policy. It will cost around $181 per month to insure your car in Lyons.
Is car insurance expensive in Lyons?
Car insurance can be expensive in Lyons if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lyons can be affordable.
What is the best car insurance in Lyons, IL?
The best car insurance company in Lyons IL is American Family, offering $441 for a six-month policy.
Cut auto insurance costs in Lyons right now.