Cheapest Car Insurance Quotes in Midlothian

Finding the cheapest car insurance quotes in Midlothian 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.
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Midlothian 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 Midlothian

The car insurance rate in Midlothian is $1106 for a six-month policy, which is $235 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $452, making it a popular choice for budget-conscious drivers. Rates in Midlothian 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 Midlothian

$1106

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Midlothian

1st place: American Family

At $452 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 $566 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $641 for six months, making it the third cheapest auto insurance company in Midlothian.

Midlothian Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Midlothian, IL is American Family, offering policies at just $452 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $566.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1193 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Midlothian drivers find the best deals.

Cheap Car Insurance Companies in Midlothian, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$452	$77
Auto-Owners Insurance Co	$566	$94
Westfield	$641	$109
Travelers	$822	$138
Country Financial	$875	$147
Erie	$1019	$171
USAA	$1214	$204
Auto-Owners	$1252	$211
Progressive	$1283	$216
State Farm	$1380	$232
Farmers	$1516	$258
Allstate	$2181	$367
Hanover	$1193	$198

Key Takeaways

Way's key takeaways about car insurance in Midlothian

The auto insurance costs in Midlothian fall around $452 for six months.
The cheapest auto insurance company in Midlothian is Mercury.
Teen drivers pay the highest rate in Midlothian at $74 per month.

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Cheapest Minimum Liability Car Insurance in Midlothian

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 Midlothian are given below.

Mercury provides the cheapest minimum car insurance coverage in Midlothian. Their Average 6 Month Premium is $189. AAA is the most expensive at $324 for the same period.

Cheapest Liability Coverage in Midlothian, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$189	$32
Westfield	$203	$34
Auto-Owners Insurance Co	$241	$41
American Family	$257	$43
Erie	$316	$53
Travelers	$347	$58
Auto-Owners	$354	$60
Country Financial	$354	$60
USAA	$438	$74
State Farm	$467	$79
Progressive	$490	$83
Allstate	$724	$122
Farmers	$944	$160
Hanover	$226	$38
AAA	$324	$55

Cheapest Full Coverage Car Insurance in Midlothian

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 Midlothian is American Family at $77 per month and $452 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midlothian, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$452	$77
Auto-Owners Insurance Co	$566	$94
Westfield	$641	$109
Travelers	$822	$138
Country Financial	$875	$147
Erie	$1019	$171
USAA	$1214	$204
Auto-Owners	$1252	$211
Progressive	$1283	$216
State Farm	$1380	$232
Farmers	$1516	$258
Allstate	$2181	$367
Hanover	$1193	$198

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Average Car Insurance in Midlothian 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 Midlothian, IL increasing?

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

Car Insurance Premiums by Age in Midlothian

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

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Cheapest Car Insurance Rates for Teen Drivers in Midlothian,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Midlothian at $41 per month. At $431 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$241	$41
American Family	$279	$47
Mercury	$279	$47
Auto-Owners Insurance Co	$302	$51
Farmers	$490	$81
Country Financial	$1373	$231
Travelers	$1434	$241
Erie	$1629	$274
USAA	$2474	$417
Auto-Owners	$2701	$460
Progressive	$3802	$640
State Farm	$4700	$791
Allstate	$5130	$864
AAA	$431	$74

Teen Car Insurance Rates in IL by Age

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 Midlothian, Mercury is the cheapest car insurance provider. At $287 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 Midlothian is Farmers, offering rates of around $3689 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$287	$48
Westfield	$377	$64
American Family	$475	$81
Hanover	$505	$84
Travelers	$906	$152
Country Financial	$1019	$171
Progressive	$1260	$212
USAA	$2233	$372
Erie	$2430	$413
Auto-Owners	$3456	$575
Allstate	$3954	$672
State Farm	$5899	$983
Farmers	$3689	$627

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Save up to $971/yr on car insurance rates in Midlothian.

Car Insurance Rates with An Accident in Midlothian

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

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

The cheapest car insurance companies after an at-fault accident in Midlothian include American Family and AutoOwners Insurance Co, offering $302 and $316, respectively. AAA is an expensive provider with an average six-month premium of $536.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$302	$51
Auto-Owners Insurance Co	$316	$53
Westfield	$324	$55
Mercury	$415	$71
Farmers	$618	$103
Travelers	$762	$128
Erie	$944	$159
Country Financial	$1003	$169
State Farm	$1267	$213
USAA	$1358	$229
Auto-Owners	$1419	$236
Progressive	$1916	$323
Allstate	$3719	$626
AAA	$536	$91

Midlothian Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Midlothian IL. For example, the car insurance in Midlothian after a DUI increases to $1041 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Midlothian auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1245	$207
One Med/PIP claim	$1252	$213
Not-at-fault accident	$1321	$220
One comp claim	$1350	$230
Two Med/PIP claims	$1350	$225
Failure to wear a seat belt	$1448	$246
Driving without lights	$1463	$244
Child safety restraint	$1471	$250
Two comp claims	$1471	$245
Failure to show documents	$1494	$254
Speeding 6 - 10 MPH over limit	$1524	$254
Driving with expired registration	$1532	$260
Speeding 11 - 15 MPH over limit	$1562	$260
Driving too slowly	$1570	$267
Failure to yield	$1570	$262
Illegal turn	$1570	$267
At-fault accident - less than $1000	$1584	$264
Failure to stop at a red light	$1584	$269
Following too closely	$1584	$264
Speeding 16 - 20 MPH over limit	$1591	$271
Speeding in school zone	$1591	$265
Improper passing	$1599	$272
Wrong way/wrong lane	$1599	$267
Cell phone violation	$1629	$277
Texting while driving	$1629	$272
Passing school bus	$1645	$279
In 65 MPH zone	$1652	$276
Speeding 21 - 25 MPH over limit	$1668	$283
Operating a vehicle without permission	$1698	$283
At-fault accident - $1000-$2000	$1803	$306
At-fault accident - greater than $2000	$1833	$306
Open container	$1894	$323
Reckless driving	$2196	$366
Racing	$2217	$377
Driving with a suspended license	$2263	$377
Refusal to submit to a chemical test	$2278	$387
DUI	$2286	$381
Leaving scene of an accident/hit and run	$2309	$392

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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 Midlothian 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 Midlothian.

The cheapest car insurance premiums in Midlothian are offered by Mercury at $287 for a six-month policy. However, it can be as expensive as $3236 with companies like Farmers.

Midlothian car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$287	$48
American Family	$302	$51
Travelers	$808	$136
Progressive	$973	$164
Erie	$1162	$196
Country Financial	$1350	$227
USAA	$1855	$312
State Farm	$1909	$321
Auto-Owners	$2014	$343
Allstate	$3199	$538
Farmers	$3236	$550

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 Midlothian are offered by Westfield at $241. However, it can be as expensive as $5930 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Midlothian after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$241	$41
Auto-Owners Insurance Co	$272	$46
Mercury	$295	$50
American Family	$302	$51
Hanover	$362	$61
Erie	$754	$127
Country Financial	$906	$152
Travelers	$1147	$191
Auto-Owners	$1162	$198
State Farm	$1455	$243
USAA	$1607	$273
Progressive	$1645	$274
Allstate	$3425	$583
Farmers	$5930	$988

Car Insurance Price Trends in Midlothian, Illinois

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

The average cost of full coverage in the Midlothian dipped by $215 in January compared to $245 of December. In other words, there has been an decrease by $30 when you compare January and December.

The average cost of liability insurance in the Midlothian dipped to $65 in January, compared to $67 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Midlothian?

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

What is the cheapest car insurance in Midlothian?

The cheapest car insurance in Midlothian is $77 per month for full coverage.

How much is car insurance in Midlothian for teenagers?

Car insurance for teenagers costs $241 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 Midlothian?

The average cost of car insurance is $871 for a six-month policy. It will cost around $185 per month to insure your car in Midlothian.

Is car insurance expensive in Midlothian?

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

Cheapest Car Insurance Quotes in Midlothian

Why you can trust Way?

How Much Is Car Insurance in Midlothian

Avg. Car Insurance in Midlothian

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Midlothian

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Midlothian Car Insurance Rates by Company

Cheap Car Insurance Companies in Midlothian, IL

Way's key takeaways about car insurance in Midlothian

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Midlothian

Cheapest Liability Coverage in Midlothian, IL

Cheapest Full Coverage Car Insurance in Midlothian

Cheapest Full Coverage Car Insurance Quotes in Midlothian, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Midlothian by Rating Factor

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

Car Insurance Premiums by Age in Midlothian

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Midlothian,IL

If you are in your twenties N/A is the best choice for car insurance in Midlothian.

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 Midlothian

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

Midlothian Car Insurance Rates by Violation

Midlothian auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Midlothian after a DUI

Midlothian car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Midlothian after Speeding ticket

Car Insurance Price Trends in Midlothian, Illinois

Average Car Insurance Cost in Midlothian by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Midlothian, IL

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

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