Cheapest Car Insurance Quotes in Mount Morris

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Mount Morris Car Insurance

^$ 25

/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 Morris

The car insurance rate in Mount Morris is $871 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $356, making it a popular choice for budget-conscious drivers. Rates in Mount Morris 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 Morris

$871

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Mount Morris

1st place: American Family

At $356 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 $446 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $505 for six months, making it the third cheapest auto insurance company in Mount Morris.

Mount Morris Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Morris, IL is American Family, offering policies at just $356 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $446.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $939 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Morris drivers find the best deals.

Cheap Car Insurance Companies in Mount Morris, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$356	$61
Auto-Owners Insurance Co	$446	$74
Westfield	$505	$86
Travelers	$647	$109
Country Financial	$689	$116
Erie	$802	$135
USAA	$956	$161
Auto-Owners	$986	$166
Progressive	$1010	$170
State Farm	$1087	$183
Farmers	$1194	$203
Allstate	$1717	$289
Hanover	$939	$156

Key Takeaways

Way's key takeaways about car insurance in Mount Morris

The auto insurance costs in Mount Morris fall around $356 for six months.
The cheapest auto insurance company in Mount Morris is Mercury.
Teen drivers pay the highest rate in Mount Morris at $58 per month.

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

Cheapest Minimum Liability Car Insurance in Mount Morris

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 Morris are given below.

Mercury provides the cheapest minimum car insurance coverage in Mount Morris. Their Average 6 Month Premium is $149. AAA is the most expensive at $255 for the same period.

Cheapest Liability Coverage in Mount Morris, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$149	$25
Westfield	$160	$27
Auto-Owners Insurance Co	$190	$32
American Family	$202	$34
Erie	$249	$42
Travelers	$273	$46
Auto-Owners	$279	$47
Country Financial	$279	$47
USAA	$345	$58
State Farm	$368	$62
Progressive	$386	$65
Allstate	$570	$96
Farmers	$743	$126
Hanover	$178	$30
AAA	$255	$43

Cheapest Full Coverage Car Insurance in Mount Morris

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 Morris is American Family at $61 per month and $356 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Morris, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$356	$61
Auto-Owners Insurance Co	$446	$74
Westfield	$505	$86
Travelers	$647	$109
Country Financial	$689	$116
Erie	$802	$135
USAA	$956	$161
Auto-Owners	$986	$166
Progressive	$1010	$170
State Farm	$1087	$183
Farmers	$1194	$203
Allstate	$1717	$289
Hanover	$939	$156

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Average Car Insurance in Mount Morris 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 Morris, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Mount Morris, 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 Morris'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 Morris

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 Morris,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mount Morris at $32 per month. At $339 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
American Family	$220	$37
Mercury	$220	$37
Auto-Owners Insurance Co	$238	$40
Farmers	$386	$64
Country Financial	$1081	$182
Travelers	$1129	$190
Erie	$1283	$216
USAA	$1948	$328
Auto-Owners	$2127	$362
Progressive	$2994	$504
State Farm	$3701	$623
Allstate	$4039	$680
AAA	$339	$58

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 Morris, Mercury is the cheapest car insurance provider. At $226 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 Morris is Farmers, offering rates of around $2905 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$226	$38
Westfield	$297	$50
American Family	$374	$64
Hanover	$398	$66
Travelers	$713	$120
Country Financial	$802	$135
Progressive	$992	$167
USAA	$1758	$293
Erie	$1913	$325
Auto-Owners	$2721	$453
Allstate	$3113	$529
State Farm	$4645	$774
Farmers	$2905	$494

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Car Insurance Rates with An Accident in Mount Morris

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

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

The cheapest car insurance companies after an at-fault accident in Mount Morris include American Family and AutoOwners Insurance Co, offering $238 and $249, respectively. AAA is an expensive provider with an average six-month premium of $422.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$238	$40
Auto-Owners Insurance Co	$249	$42
Westfield	$255	$43
Mercury	$327	$56
Farmers	$487	$81
Travelers	$600	$101
Erie	$743	$125
Country Financial	$790	$133
State Farm	$998	$168
USAA	$1069	$180
Auto-Owners	$1117	$186
Progressive	$1509	$254
Allstate	$2928	$493
AAA	$422	$72

Mount Morris Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Morris IL. For example, the car insurance in Mount Morris after a DUI increases to $820 for a six month policy. While the rate increases by $220 for a six-month policy in the case of a speeding ticket.

Mount Morris auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$980	$163
One Med/PIP claim	$986	$168
Not-at-fault accident	$1040	$173
One comp claim	$1063	$181
Two Med/PIP claims	$1063	$177
Failure to wear a seat belt	$1140	$194
Driving without lights	$1152	$192
Child safety restraint	$1158	$197
Two comp claims	$1158	$193
Failure to show documents	$1176	$200
Speeding 6 - 10 MPH over limit	$1200	$200
Driving with expired registration	$1206	$205
Speeding 11 - 15 MPH over limit	$1230	$205
Driving too slowly	$1236	$210
Failure to yield	$1236	$206
Illegal turn	$1236	$210
At-fault accident - less than $1000	$1247	$208
Failure to stop at a red light	$1247	$212
Following too closely	$1247	$208
Speeding 16 - 20 MPH over limit	$1253	$213
Speeding in school zone	$1253	$209
Improper passing	$1259	$214
Wrong way/wrong lane	$1259	$210
Cell phone violation	$1283	$218
Texting while driving	$1283	$214
Passing school bus	$1295	$220
In 65 MPH zone	$1301	$217
Speeding 21 - 25 MPH over limit	$1313	$223
Operating a vehicle without permission	$1337	$223
At-fault accident - $1000-$2000	$1420	$241
At-fault accident - greater than $2000	$1443	$241
Open container	$1491	$254
Reckless driving	$1729	$288
Racing	$1746	$297
Driving with a suspended license	$1782	$297
Refusal to submit to a chemical test	$1794	$305
DUI	$1800	$300
Leaving scene of an accident/hit and run	$1818	$309

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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 Morris 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 Morris.

The cheapest car insurance premiums in Mount Morris are offered by Mercury at $226 for a six-month policy. However, it can be as expensive as $2548 with companies like Farmers.

Mount Morris car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$226	$38
American Family	$238	$40
Travelers	$636	$107
Progressive	$766	$129
Erie	$915	$154
Country Financial	$1063	$179
USAA	$1461	$246
State Farm	$1503	$253
Auto-Owners	$1586	$270
Allstate	$2519	$424
Farmers	$2548	$433

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 Morris are offered by Westfield at $190. However, it can be as expensive as $4669 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mount Morris after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
Auto-Owners Insurance Co	$214	$36
Mercury	$232	$39
American Family	$238	$40
Hanover	$285	$48
Erie	$594	$100
Country Financial	$713	$120
Travelers	$903	$150
Auto-Owners	$915	$156
State Farm	$1146	$191
USAA	$1265	$215
Progressive	$1295	$216
Allstate	$2697	$459
Farmers	$4669	$778

Car Insurance Price Trends in Mount Morris, Illinois

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

The average cost of full coverage in the Mount Morris dipped by $169 in January compared to $193 of December. In other words, there has been an decrease by $24 when you compare January and December.

The average cost of liability insurance in the Mount Morris dipped to $51 in January, compared to $53 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 Mount Morris?

The car insurance in Mount Morris is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Morris?

The cheapest car insurance in Mount Morris is $61 per month for full coverage.

How much is car insurance in Mount Morris for teenagers?

Car insurance for teenagers costs $190 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 Morris?

The average cost of car insurance is $871 for a six-month policy. It will cost around $146 per month to insure your car in Mount Morris.

Is car insurance expensive in Mount Morris?

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

Cheapest Car Insurance Quotes in Mount Morris

Why you can trust Way?

How Much Is Car Insurance in Mount Morris

Avg. Car Insurance in Mount Morris

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Mount Morris

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Mount Morris Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Morris, IL

Way's key takeaways about car insurance in Mount Morris

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Morris

Cheapest Liability Coverage in Mount Morris, IL

Cheapest Full Coverage Car Insurance in Mount Morris

Cheapest Full Coverage Car Insurance Quotes in Mount Morris, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Morris by Rating Factor

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

Car Insurance Premiums by Age in Mount Morris

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Morris

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

Mount Morris Car Insurance Rates by Violation

Mount Morris auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Morris after a DUI

Mount Morris car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Morris after Speeding ticket

Car Insurance Price Trends in Mount Morris, Illinois

Average Car Insurance Cost in Mount Morris by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Morris, IL

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

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