Cheapest Car Insurance Quotes in Mount Erie

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Mount Erie Car Insurance

^$ 27

/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 Mount Erie

The car insurance rate in Mount Erie is $944 for a six-month policy, which is $78 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $388, making it a popular choice for budget-conscious drivers. Rates in Mount Erie 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 Mount Erie

$944

Avg. Car Insurance in Illinois

$866

National Average

$1278

Cheapest Car Insurance Companies in Mount Erie

1st place: American Family

At $388 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 $486 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $550 for six months, making it the third cheapest auto insurance company in Mount Erie.

Mount Erie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Erie, IL is American Family, offering policies at just $388 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $486.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1872 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Erie drivers find the best deals.

Cheap Car Insurance Companies in Mount Erie, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$66
Auto-Owners Insurance Co	$486	$81
Westfield	$550	$94
Travelers	$705	$119
Country Financial	$751	$126
Erie	$874	$147
USAA	$1042	$175
Auto-Owners	$1075	$181
Progressive	$1101	$185
State Farm	$1185	$199
Farmers	$1301	$221
Allstate	$1872	$315

Key Takeaways

Way's key takeaways about car insurance in Mount Erie

The auto insurance costs in Mount Erie fall around $388 for six months.
The cheapest auto insurance company in Mount Erie is Mercury.
Teen drivers pay the highest rate in Mount Erie at $741 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Mount Erie

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 Mount Erie are given below.

Mercury provides the cheapest minimum car insurance coverage in Mount Erie. Their Average 6 Month Premium is $162. Farmers is the most expensive at $810 for the same period.

Cheapest Liability Coverage in Mount Erie, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$162	$27
Westfield	$174	$29
Auto-Owners Insurance Co	$207	$35
American Family	$220	$37
Erie	$271	$46
Travelers	$298	$50
Auto-Owners	$304	$51
Country Financial	$304	$51
USAA	$376	$63
State Farm	$401	$68
Progressive	$421	$71
Allstate	$621	$105
Farmers	$810	$137

Cheapest Full Coverage Car Insurance in Mount Erie

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 Mount Erie is American Family at $66 per month and $388 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Erie, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$66
Auto-Owners Insurance Co	$486	$81
Westfield	$550	$94
Travelers	$705	$119
Country Financial	$751	$126
Erie	$874	$147
USAA	$1042	$175
Auto-Owners	$1075	$181
Progressive	$1101	$185
State Farm	$1185	$199
Farmers	$1301	$221
Allstate	$1872	$315

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Average Car Insurance in Mount Erie 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 Mount Erie, IL increasing?

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

Car Insurance Premiums by Age in Mount Erie

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 Mount Erie,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mount Erie at $35 per month. At $4403 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$207	$35
American Family	$240	$40
Mercury	$240	$40
Auto-Owners Insurance Co	$259	$44
Farmers	$421	$70
Country Financial	$1178	$198
Travelers	$1231	$207
Erie	$1398	$235
USAA	$2123	$358
Auto-Owners	$2318	$395
Progressive	$3263	$549
State Farm	$4034	$679
Allstate	$4403	$741

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 Mount Erie, Mercury is the cheapest car insurance provider. At $246 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 Mount Erie is Farmers, offering rates of around $3166 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
Westfield	$324	$55
American Family	$408	$70
Hanover	$434	$72
Travelers	$777	$131
Country Financial	$874	$147
Progressive	$1081	$182
USAA	$1916	$319
Erie	$2085	$354
Auto-Owners	$2966	$494
Allstate	$3393	$577
State Farm	$5063	$844
Farmers	$3166	$538

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Car Insurance Rates with An Accident in Mount Erie

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Erie

The cheapest car insurance companies after an at-fault accident in Mount Erie include American Family and AutoOwners Insurance Co, offering $259 and $271, respectively. Allstate is an expensive provider with an average six-month premium of $3192.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$259	$44
Auto-Owners Insurance Co	$271	$46
Westfield	$278	$47
Mercury	$356	$61
Farmers	$531	$88
Travelers	$654	$110
Erie	$810	$136
Country Financial	$861	$145
State Farm	$1088	$183
USAA	$1165	$196
Auto-Owners	$1218	$203
Progressive	$1645	$277
Allstate	$3192	$537

Mount Erie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Erie IL. For example, the car insurance in Mount Erie after a DUI increases to $894 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Mount Erie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1068	$178
One Med/PIP claim	$1075	$183
Not-at-fault accident	$1134	$189
One comp claim	$1159	$197
Two Med/PIP claims	$1159	$193
Failure to wear a seat belt	$1243	$211
Driving without lights	$1256	$209
Child safety restraint	$1262	$215
Two comp claims	$1262	$210
Failure to show documents	$1282	$218
Speeding 6 - 10 MPH over limit	$1308	$218
Driving with expired registration	$1315	$223
Speeding 11 - 15 MPH over limit	$1341	$223
Driving too slowly	$1347	$229
Failure to yield	$1347	$225
Illegal turn	$1347	$229
At-fault accident - less than $1000	$1359	$227
Failure to stop at a red light	$1359	$231
Following too closely	$1359	$227
Speeding 16 - 20 MPH over limit	$1366	$232
Speeding in school zone	$1366	$228
Improper passing	$1372	$233
Wrong way/wrong lane	$1372	$229
Cell phone violation	$1398	$238
Texting while driving	$1398	$233
Passing school bus	$1412	$240
In 65 MPH zone	$1418	$237
Speeding 21 - 25 MPH over limit	$1431	$243
Operating a vehicle without permission	$1457	$243
At-fault accident - $1000-$2000	$1548	$263
At-fault accident - greater than $2000	$1573	$263
Open container	$1625	$277
Reckless driving	$1885	$314
Racing	$1903	$324
Driving with a suspended license	$1942	$324
Refusal to submit to a chemical test	$1955	$332
DUI	$1962	$327
Leaving scene of an accident/hit and run	$1982	$337

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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 Mount Erie 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 Mount Erie.

The cheapest car insurance premiums in Mount Erie are offered by Mercury at $246 for a six-month policy. However, it can be as expensive as $2777 with companies like Farmers.

Mount Erie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
American Family	$259	$44
Travelers	$693	$117
Progressive	$835	$141
Erie	$997	$168
Country Financial	$1159	$195
USAA	$1592	$268
State Farm	$1638	$276
Auto-Owners	$1729	$294
Allstate	$2746	$462
Farmers	$2777	$472

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 Mount Erie are offered by Westfield at $207. However, it can be as expensive as $5089 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mount Erie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$207	$35
Auto-Owners Insurance Co	$233	$39
Mercury	$253	$43
American Family	$259	$44
Hanover	$311	$52
Erie	$647	$109
Country Financial	$777	$131
Travelers	$984	$164
Auto-Owners	$997	$170
State Farm	$1249	$208
USAA	$1379	$234
Progressive	$1412	$235
Allstate	$2940	$500
Farmers	$5089	$848

Car Insurance Price Trends in Mount Erie, Illinois

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

The average cost of full coverage in the Mount Erie remained steady at $184 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Mount Erie remained steady at $56 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mount Erie?

The car insurance in Mount Erie is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Erie?

The cheapest car insurance in Mount Erie is $66 per month for full coverage.

How much is car insurance in Mount Erie for teenagers?

Car insurance for teenagers costs $207 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 Mount Erie?

The average cost of car insurance is $866 for a six-month policy. It will cost around $159 per month to insure your car in Mount Erie.

Is car insurance expensive in Mount Erie?

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

Cheapest Car Insurance Quotes in Mount Erie

Why you can trust Way?

How Much Is Car Insurance in Mount Erie

Avg. Car Insurance in Mount Erie

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Mount Erie

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Mount Erie Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Erie, IL

Way's key takeaways about car insurance in Mount Erie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Erie

Cheapest Liability Coverage in Mount Erie, IL

Cheapest Full Coverage Car Insurance in Mount Erie

Cheapest Full Coverage Car Insurance Quotes in Mount Erie, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Erie by Rating Factor

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

Car Insurance Premiums by Age in Mount Erie

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Erie,IL

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

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 Mount Erie

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Erie

Mount Erie Car Insurance Rates by Violation

Mount Erie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Erie after a DUI

Mount Erie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Erie after Speeding ticket

Car Insurance Price Trends in Mount Erie, Illinois

Average Car Insurance Cost in Mount Erie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Erie, IL

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

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