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Finding the cheapest car insurance quotes in Mc Connell 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 Mc Connell
The car insurance rate in Mc Connell is $783 for a six-month policy, which is $59 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $415, making it a popular choice for budget-conscious drivers. Rates in Mc Connell 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 $415 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 $470 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 $492
for six months, making it
the third cheapest auto insurance company in Mc Connell.
Mc Connell Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mc Connell, IL is AutoOwners Insurance Co, offering policies at just $415 for a six-month term. This is followed by Westfield, which has an average six-month premium of $470.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $751 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mc Connell drivers find the best deals.
Way's key takeaways about car insurance in Mc Connell
The auto insurance costs in Mc Connell fall around $415 for six
months.
The cheapest auto insurance company in Mc Connell is Mercury.
Teen drivers pay the highest rate in Mc Connell at $1097 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 Mc Connell
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 Mc Connell are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Mc Connell. Their Average 6 Month Premium is $139.
First Chicago is the most
expensive at $182 for the same
period.
Cheapest Full Coverage Car Insurance in Mc Connell
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 Mc Connell is AutoOwners Insurance Co
at $69 per month and $415
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mc Connell,
IL
Get Your Car Insurance Quote in Mc Connell
Instantly!
Average Car Insurance in Mc Connell 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 Mc Connell, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mc Connell, 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, Mc Connell's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mc Connell
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
$658
30s
Auto-Owners
$455
40s
Auto-Owners
$446
50s
Auto-Owners
$421
60s
Auto-Owners
$443
70s
Auto-Owners
$562
Cheapest Car Insurance Rates for Teen Drivers in
Mc Connell,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Mc Connell at $30
per
month. At $6584 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties AutoOwners is
the best choice for car
insurance in Mc Connell.
As young drivers face the highest rates in Mc Connell, AutoOwners
offers the cheapest auto insurance rates at $658 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 Mc Connell,
Mercury is
the cheapest car insurance provider. At $210 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
Mc Connell is State Farm, offering
rates of around $2890 for six
months.
Save up to $971/yr on car insurance rates in Mc Connell.
Car Insurance Rates with An Accident in Mc Connell
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 Mc Connell, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mc Connell
The cheapest car insurance companies after an at-fault accident in
Mc Connell include AutoOwners Insurance Co
and Westfield, offering $232
and $237,
respectively. Hastings Mutual is an expensive provider
with an average six-month premium of
$276.
Here is a list of driving violations that can increase your car
insurance rates in Mc Connell IL. For example, the car
insurance in Mc Connell
after a DUI increases to $763 for a six
month policy. While the rate increases by $205 for a six-month policy in the case of
a speeding ticket.
Mc Connell auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$911
$152
One Med/PIP claim
$917
$156
Not-at-fault accident
$967
$161
One comp claim
$989
$168
Two Med/PIP claims
$989
$165
Failure to wear a seat belt
$1060
$180
Driving without lights
$1071
$179
Child safety restraint
$1077
$183
Two comp claims
$1077
$179
Failure to show documents
$1094
$186
Speeding 6 - 10 MPH over limit
$1116
$186
Driving with expired registration
$1122
$191
Speeding 11 - 15 MPH over limit
$1144
$191
Driving too slowly
$1149
$195
Failure to yield
$1149
$192
Illegal turn
$1149
$195
At-fault accident - less than $1000
$1160
$193
Failure to stop at a red light
$1160
$197
Following too closely
$1160
$193
Speeding 16 - 20 MPH over limit
$1165
$198
Speeding in school zone
$1165
$194
Improper passing
$1171
$199
Wrong way/wrong lane
$1171
$195
Cell phone violation
$1193
$203
Texting while driving
$1193
$199
Passing school bus
$1204
$205
In 65 MPH zone
$1210
$202
Speeding 21 - 25 MPH over limit
$1221
$207
Operating a vehicle without permission
$1243
$207
At-fault accident - $1000-$2000
$1321
$224
At-fault accident - greater than $2000
$1342
$224
Open container
$1387
$236
Reckless driving
$1608
$268
Racing
$1624
$276
Driving with a suspended license
$1657
$276
Refusal to submit to a chemical test
$1668
$284
DUI
$1674
$279
Leaving scene of an accident/hit and run
$1691
$287
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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 Mc Connell 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 Mc Connell.
The cheapest car insurance premiums in
Mc Connell are
offered by Mercury at $210 for a six-month policy.
However, it can be as
expensive as $2370 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 Mc Connell are offered by Westfield
at $177. However,
it can be as expensive as $4342
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Mc Connell after Speeding ticket
Car Insurance Price Trends in Mc Connell,
Illinois
Car insurance rates in Mc Connell have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mc Connell remained steady at $178 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Mc Connell remained steady at $47 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Mc Connell 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
Mc Connell. 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 Mc Connell?
The car insurance in Mc Connell is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Mc Connell?
The cheapest car insurance in Mc Connell
is $69 per month
for full coverage.
How much is car insurance in Mc Connell for teenagers?
Car insurance for teenagers costs $177 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
Mc Connell?
The average cost of car insurance is $842 for a six-month
policy. It will cost around $131 per month to insure your
car in Mc Connell.
Is car insurance expensive in Mc Connell?
Car insurance can be expensive in Mc Connell if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mc Connell can be
affordable.
What is the best car insurance in Mc Connell,
IL?
The best car insurance company in Mc Connell
IL is
AutoOwners Insurance Co, offering $415 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mc Connell, IL
Car Insurance Rates by State in the USA (2025 Update)
Mc Connell Car Insurance
