Cheapest Car Insurance Quotes in Midlothian

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Midlothian Car Insurance

^$ 30

/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 $1034 for a six-month policy, which is $165 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $531, 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

$1034

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Midlothian

1st place: AutoOwners Insurance Co

At $531 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 $601 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 $630 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 AutoOwners Insurance Co, offering policies at just $531 for a six-month term. This is followed by Westfield, which has an average six-month premium of $601.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $962 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
Auto-Owners Insurance Co	$531	$90
Westfield	$601	$100
Country Financial	$630	$106
Travelers	$750	$126
American Family	$870	$146
Erie	$912	$152
USAA	$1075	$181
State Farm	$1082	$182
Progressive	$1188	$200
Auto-Owners	$1251	$208
Allstate	$1796	$302
Farmers	$1796	$302
Hanover	$1117	$186
Mercury	$954	$159
Hastings Mutual	$962	$163

Key Takeaways

Way's key takeaways about car insurance in Midlothian

The auto insurance costs in Midlothian fall around $531 for six months.
The cheapest auto insurance company in Midlothian is Mercury.
Teen drivers pay the highest rate in Midlothian at $69 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 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 $177. First Chicago is the most expensive at $233 for the same period.

Cheapest Liability Coverage in Midlothian, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$177	$30
Westfield	$190	$32
Auto-Owners Insurance Co	$226	$38
Country Financial	$240	$40
Erie	$296	$50
Auto-Owners	$325	$55
Travelers	$325	$55
American Family	$375	$63
State Farm	$375	$63
USAA	$396	$67
Progressive	$459	$77
Allstate	$721	$121
Farmers	$884	$150
Hanover	$212	$36
AAA	$303	$51
First Chicago	$233	$39

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 AutoOwners Insurance Co at $90 per month and $531 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midlothian, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$531	$90
Westfield	$601	$100
Country Financial	$630	$106
Travelers	$750	$126
American Family	$870	$146
Erie	$912	$152
USAA	$1075	$181
State Farm	$1082	$182
Progressive	$1188	$200
Auto-Owners	$1251	$208
Allstate	$1796	$302
Farmers	$1796	$302
Hanover	$1117	$186
Mercury	$954	$159
Hastings Mutual	$962	$163

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$841
30s	Auto-Owners	$582
40s	Auto-Owners	$571
50s	Auto-Owners	$539
60s	Auto-Owners	$566
70s	Auto-Owners	$719

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 $38 per month. At $403 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$226	$38
Mercury	$262	$44
Auto-Owners Insurance Co	$283	$48
Country Financial	$962	$162
Erie	$1180	$199
Travelers	$1251	$211
USAA	$2178	$367
American Family	$2608	$439
State Farm	$3753	$632
Progressive	$3760	$633
Allstate	$4368	$735
Farmers	$4446	$749
AAA	$403	$69

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 Midlothian.

As young drivers face the highest rates in Midlothian, AutoOwners offers the cheapest auto insurance rates at $841 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 Midlothian, Mercury is the cheapest car insurance provider. At $269 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 State Farm, offering rates of around $3697 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$269	$45
Westfield	$353	$61
Hanover	$474	$79
Country Financial	$707	$119
Travelers	$784	$132
Progressive	$1123	$189
American Family	$1378	$232
USAA	$1830	$312
Allstate	$3005	$501
Farmers	$3457	$588
State Farm	$3697	$616

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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 AutoOwners Insurance Co and Westfield, offering $296 and $303, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$296	$50
Westfield	$303	$51
Mercury	$389	$64
Travelers	$678	$114
Erie	$685	$115
Country Financial	$693	$117
State Farm	$1025	$173
USAA	$1053	$177
American Family	$1180	$199
Progressive	$1704	$287
Farmers	$1880	$317
Allstate	$3118	$525
AAA	$502	$86
First Chicago	$325	$55
Hastings Mutual	$353	$61

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 $976 for a six month policy. While the rate increases by $262 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	$1166	$194
One Med/PIP claim	$1173	$200
Not-at-fault accident	$1238	$206
One comp claim	$1265	$215
Two Med/PIP claims	$1265	$211
Failure to wear a seat belt	$1357	$231
Driving without lights	$1371	$228
Child safety restraint	$1378	$234
Two comp claims	$1378	$230
Failure to show documents	$1399	$238
Speeding 6 - 10 MPH over limit	$1428	$238
Driving with expired registration	$1435	$244
Speeding 11 - 15 MPH over limit	$1464	$244
Driving too slowly	$1471	$250
Failure to yield	$1471	$245
Illegal turn	$1471	$250
At-fault accident - less than $1000	$1484	$248
Failure to stop at a red light	$1484	$252
Following too closely	$1484	$248
Speeding 16 - 20 MPH over limit	$1491	$253
Speeding in school zone	$1491	$249
Improper passing	$1498	$255
Wrong way/wrong lane	$1498	$250
Cell phone violation	$1527	$259
Texting while driving	$1527	$255
Passing school bus	$1541	$262
In 65 MPH zone	$1548	$258
Speeding 21 - 25 MPH over limit	$1562	$265
Operating a vehicle without permission	$1591	$265
At-fault accident - $1000-$2000	$1690	$287
At-fault accident - greater than $2000	$1717	$287
Open container	$1774	$302
Reckless driving	$2058	$343
Racing	$2078	$353
Driving with a suspended license	$2121	$353
Refusal to submit to a chemical test	$2135	$363
DUI	$2142	$357
Leaving scene of an accident/hit and run	$2163	$368

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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 $269 for a six-month policy. However, it can be as expensive as $3032 with companies like Farmers.

Midlothian car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$269	$45
Travelers	$721	$121
Erie	$834	$140
Progressive	$870	$146
Country Financial	$1096	$184
American Family	$1336	$225
State Farm	$1449	$244
USAA	$1697	$286
Allstate	$2664	$449
Farmers	$3032	$515

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 $226. However, it can be as expensive as $5556 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	$226	$38
Auto-Owners Insurance Co	$255	$43
Mercury	$276	$46
Erie	$296	$50
Hanover	$339	$57
Country Financial	$714	$120
USAA	$926	$155
State Farm	$1265	$215
Travelers	$1435	$239
Progressive	$1484	$252
American Family	$1647	$277
Allstate	$4722	$803
Farmers	$5556	$926

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 rose by $230 in December compared to $227 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 Midlothian rose to $63 in December, compared to $61 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Midlothian?

The car insurance in Midlothian is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Midlothian?

The cheapest car insurance in Midlothian is $90 per month for full coverage.

How much is car insurance in Midlothian for teenagers?

Car insurance for teenagers costs $226 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 $869 for a six-month policy. It will cost around $173 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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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