Cheapest Car Insurance Quotes in New Berlin

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New Berlin Car Insurance

^$ 24

/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 New Berlin

The car insurance rate in New Berlin is $817 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $419, making it a popular choice for budget-conscious drivers. Rates in New Berlin 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 New Berlin

$817

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in New Berlin

1st place: AutoOwners Insurance Co

At $419 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 $475 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 $497 for six months, making it the third cheapest auto insurance company in New Berlin.

New Berlin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Berlin, IL is AutoOwners Insurance Co, offering policies at just $419 for a six-month term. This is followed by Westfield, which has an average six-month premium of $475.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $760 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Berlin drivers find the best deals.

Cheap Car Insurance Companies in New Berlin, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$419	$71
Westfield	$475	$79
Country Financial	$497	$84
Travelers	$592	$100
American Family	$687	$116
Erie	$720	$120
USAA	$849	$143
State Farm	$854	$144
Progressive	$938	$158
Auto-Owners	$988	$165
Allstate	$1418	$239
Farmers	$1418	$239
Hanover	$883	$147
Mercury	$754	$126
Hastings Mutual	$760	$129

Key Takeaways

Way's key takeaways about car insurance in New Berlin

The auto insurance costs in New Berlin fall around $419 for six months.
The cheapest auto insurance company in New Berlin is Mercury.
Teen drivers pay the highest rate in New Berlin at $55 per month.

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Cheapest Minimum Liability Car Insurance in New Berlin

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 New Berlin are given below.

Mercury provides the cheapest minimum car insurance coverage in New Berlin. Their Average 6 Month Premium is $140. First Chicago is the most expensive at $184 for the same period.

Cheapest Liability Coverage in New Berlin, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$140	$24
Westfield	$150	$25
Auto-Owners Insurance Co	$179	$30
Country Financial	$190	$32
Erie	$234	$39
Auto-Owners	$257	$43
Travelers	$257	$43
American Family	$296	$50
State Farm	$296	$50
USAA	$313	$53
Progressive	$363	$61
Allstate	$570	$96
Farmers	$698	$118
Hanover	$167	$28
AAA	$240	$40
First Chicago	$184	$31

Cheapest Full Coverage Car Insurance in New Berlin

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 New Berlin is AutoOwners Insurance Co at $71 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Berlin, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$419	$71
Westfield	$475	$79
Country Financial	$497	$84
Travelers	$592	$100
American Family	$687	$116
Erie	$720	$120
USAA	$849	$143
State Farm	$854	$144
Progressive	$938	$158
Auto-Owners	$988	$165
Allstate	$1418	$239
Farmers	$1418	$239
Hanover	$883	$147
Mercury	$754	$126
Hastings Mutual	$760	$129

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Average Car Insurance in New Berlin 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 New Berlin, IL increasing?

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

Car Insurance Premiums by Age in New Berlin

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	$665
30s	Auto-Owners	$460
40s	Auto-Owners	$451
50s	Auto-Owners	$426
60s	Auto-Owners	$447
70s	Auto-Owners	$568

Cheapest Car Insurance Rates for Teen Drivers in New Berlin,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Berlin at $30 per month. At $319 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Mercury	$207	$35
Auto-Owners Insurance Co	$224	$38
Country Financial	$760	$128
Erie	$932	$157
Travelers	$988	$166
USAA	$1720	$290
American Family	$2060	$347
State Farm	$2965	$499
Progressive	$2970	$500
Allstate	$3451	$581
Farmers	$3512	$591
AAA	$319	$55

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 New Berlin.

As young drivers face the highest rates in New Berlin, AutoOwners offers the cheapest auto insurance rates at $665 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 New Berlin, Mercury is the cheapest car insurance provider. At $212 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 New Berlin is State Farm, offering rates of around $2921 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$212	$36
Westfield	$279	$48
Hanover	$374	$62
Country Financial	$558	$94
Travelers	$619	$104
Progressive	$887	$149
American Family	$1089	$183
USAA	$1446	$246
Allstate	$2374	$396
Farmers	$2731	$464
State Farm	$2921	$487

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

Car Insurance Rates with An Accident in New Berlin

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Berlin

The cheapest car insurance companies after an at-fault accident in New Berlin include AutoOwners Insurance Co and Westfield, offering $234 and $240, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $279.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$234	$39
Westfield	$240	$40
Mercury	$307	$51
Travelers	$536	$90
Erie	$541	$91
Country Financial	$547	$92
State Farm	$809	$136
USAA	$832	$140
American Family	$932	$157
Progressive	$1346	$227
Farmers	$1485	$250
Allstate	$2463	$415
AAA	$397	$68
First Chicago	$257	$43
Hastings Mutual	$279	$48

New Berlin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Berlin IL. For example, the car insurance in New Berlin after a DUI increases to $771 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

New Berlin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$921	$153
One Med/PIP claim	$927	$158
Not-at-fault accident	$978	$163
One comp claim	$999	$170
Two Med/PIP claims	$999	$166
Failure to wear a seat belt	$1072	$182
Driving without lights	$1083	$180
Child safety restraint	$1089	$185
Two comp claims	$1089	$181
Failure to show documents	$1105	$188
Speeding 6 - 10 MPH over limit	$1128	$188
Driving with expired registration	$1134	$193
Speeding 11 - 15 MPH over limit	$1156	$193
Driving too slowly	$1162	$197
Failure to yield	$1162	$194
Illegal turn	$1162	$197
At-fault accident - less than $1000	$1172	$196
Failure to stop at a red light	$1172	$199
Following too closely	$1172	$196
Speeding 16 - 20 MPH over limit	$1178	$200
Speeding in school zone	$1178	$196
Improper passing	$1183	$201
Wrong way/wrong lane	$1183	$197
Cell phone violation	$1206	$205
Texting while driving	$1206	$201
Passing school bus	$1217	$207
In 65 MPH zone	$1223	$204
Speeding 21 - 25 MPH over limit	$1234	$210
Operating a vehicle without permission	$1257	$210
At-fault accident - $1000-$2000	$1335	$227
At-fault accident - greater than $2000	$1356	$227
Open container	$1402	$239
Reckless driving	$1625	$271
Racing	$1641	$279
Driving with a suspended license	$1675	$279
Refusal to submit to a chemical test	$1686	$287
DUI	$1692	$282
Leaving scene of an accident/hit and run	$1709	$290

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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 New Berlin 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 New Berlin.

The cheapest car insurance premiums in New Berlin are offered by Mercury at $212 for a six-month policy. However, it can be as expensive as $2395 with companies like Farmers.

New Berlin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$212	$36
Travelers	$570	$96
Erie	$659	$111
Progressive	$687	$116
Country Financial	$866	$146
American Family	$1056	$178
State Farm	$1145	$193
USAA	$1340	$226
Allstate	$2105	$354
Farmers	$2395	$407

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 New Berlin are offered by Westfield at $179. However, it can be as expensive as $4389 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in New Berlin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Auto-Owners Insurance Co	$201	$34
Mercury	$218	$37
Erie	$234	$39
Hanover	$268	$45
Country Financial	$564	$95
USAA	$731	$122
State Farm	$999	$170
Travelers	$1134	$189
Progressive	$1172	$199
American Family	$1301	$219
Allstate	$3730	$635
Farmers	$4389	$731

Car Insurance Price Trends in New Berlin, Illinois

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

The average cost of full coverage in the New Berlin rose by $181 in December compared to $180 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the New Berlin rose to $50 in December, compared to $48 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 New Berlin?

The car insurance in New Berlin is $24 per month, which is lower than the national average.

What is the cheapest car insurance in New Berlin?

The cheapest car insurance in New Berlin is $71 per month for full coverage.

How much is car insurance in New Berlin for teenagers?

Car insurance for teenagers costs $179 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 New Berlin?

The average cost of car insurance is $869 for a six-month policy. It will cost around $136 per month to insure your car in New Berlin.

Is car insurance expensive in New Berlin?

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

Cheapest Car Insurance Quotes in New Berlin

Why you can trust Way?

How Much Is Car Insurance in New Berlin

Avg. Car Insurance in New Berlin

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in New Berlin

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

New Berlin Car Insurance Rates by Company

Cheap Car Insurance Companies in New Berlin, IL

Way's key takeaways about car insurance in New Berlin

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Berlin

Cheapest Liability Coverage in New Berlin, IL

Cheapest Full Coverage Car Insurance in New Berlin

Cheapest Full Coverage Car Insurance Quotes in New Berlin, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Berlin by Rating Factor

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

Car Insurance Premiums by Age in New Berlin

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Berlin,IL

If you are in your twenties AutoOwners is the best choice for car insurance in New Berlin.

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 New Berlin

Cheapest Car Insurance Companies after an At-Fault Accident in New Berlin

New Berlin Car Insurance Rates by Violation

New Berlin auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Berlin after a DUI

New Berlin car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Berlin after Speeding ticket

Car Insurance Price Trends in New Berlin, Illinois

Average Car Insurance Cost in New Berlin by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Berlin, IL

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

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