Cheapest Car Insurance Quotes in New Douglas

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406,175 Policies Sold

New Douglas 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 New Douglas

The car insurance rate in New Douglas is $932 for a six-month policy, which is $61 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, making it a popular choice for budget-conscious drivers. Rates in New Douglas 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 Douglas

$932

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in New Douglas

1st place: American Family

At $381 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 $477 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $540 for six months, making it the third cheapest auto insurance company in New Douglas.

New Douglas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Douglas, IL is American Family, offering policies at just $381 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $477.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1005 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Douglas drivers find the best deals.

Cheap Car Insurance Companies in New Douglas, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$381	$65
Auto-Owners Insurance Co	$477	$79
Westfield	$540	$92
Travelers	$692	$117
Country Financial	$737	$124
Erie	$858	$144
USAA	$1023	$172
Auto-Owners	$1055	$178
Progressive	$1081	$182
State Farm	$1163	$196
Farmers	$1278	$217
Allstate	$1837	$309
Hanover	$1005	$167

Key Takeaways

Way's key takeaways about car insurance in New Douglas

The auto insurance costs in New Douglas fall around $381 for six months.
The cheapest auto insurance company in New Douglas is Mercury.
Teen drivers pay the highest rate in New Douglas at $62 per month.

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Cheapest Minimum Liability Car Insurance in New Douglas

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 Douglas are given below.

Mercury provides the cheapest minimum car insurance coverage in New Douglas. Their Average 6 Month Premium is $159. AAA is the most expensive at $273 for the same period.

Cheapest Liability Coverage in New Douglas, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$159	$27
Westfield	$171	$29
Auto-Owners Insurance Co	$203	$34
American Family	$216	$36
Erie	$266	$45
Travelers	$292	$49
Auto-Owners	$299	$50
Country Financial	$299	$50
USAA	$369	$62
State Farm	$394	$66
Progressive	$413	$70
Allstate	$610	$103
Farmers	$795	$135
Hanover	$190	$32
AAA	$273	$46

Cheapest Full Coverage Car Insurance in New Douglas

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 Douglas is American Family at $65 per month and $381 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Douglas, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$381	$65
Auto-Owners Insurance Co	$477	$79
Westfield	$540	$92
Travelers	$692	$117
Country Financial	$737	$124
Erie	$858	$144
USAA	$1023	$172
Auto-Owners	$1055	$178
Progressive	$1081	$182
State Farm	$1163	$196
Farmers	$1278	$217
Allstate	$1837	$309
Hanover	$1005	$167

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Average Car Insurance in New Douglas 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 Douglas, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in New Douglas, 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 Douglas'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 Douglas

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 New Douglas,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Douglas at $34 per month. At $363 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$203	$34
American Family	$235	$40
Mercury	$235	$40
Auto-Owners Insurance Co	$255	$43
Farmers	$413	$68
Country Financial	$1157	$195
Travelers	$1208	$203
Erie	$1373	$231
USAA	$2084	$351
Auto-Owners	$2276	$387
Progressive	$3204	$539
State Farm	$3960	$667
Allstate	$4322	$728
AAA	$363	$62

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 New Douglas, Mercury is the cheapest car insurance provider. At $242 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 Douglas is Farmers, offering rates of around $3108 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$242	$41
Westfield	$318	$54
American Family	$400	$68
Hanover	$426	$71
Travelers	$763	$128
Country Financial	$858	$144
Progressive	$1061	$179
USAA	$1881	$314
Erie	$2047	$348
Auto-Owners	$2911	$485
Allstate	$3331	$566
State Farm	$4970	$828
Farmers	$3108	$529

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

Car Insurance Rates with An Accident in New Douglas

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

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

The cheapest car insurance companies after an at-fault accident in New Douglas include American Family and AutoOwners Insurance Co, offering $255 and $266, respectively. AAA is an expensive provider with an average six-month premium of $452.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$255	$43
Auto-Owners Insurance Co	$266	$45
Westfield	$273	$46
Mercury	$350	$60
Farmers	$521	$87
Travelers	$642	$108
Erie	$795	$134
Country Financial	$845	$142
State Farm	$1068	$180
USAA	$1144	$193
Auto-Owners	$1195	$199
Progressive	$1615	$272
Allstate	$3133	$528
AAA	$452	$77

New Douglas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Douglas IL. For example, the car insurance in New Douglas after a DUI increases to $877 for a six month policy. While the rate increases by $235 for a six-month policy in the case of a speeding ticket.

New Douglas auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1049	$174
One Med/PIP claim	$1055	$180
Not-at-fault accident	$1113	$185
One comp claim	$1137	$194
Two Med/PIP claims	$1137	$189
Failure to wear a seat belt	$1220	$208
Driving without lights	$1233	$205
Child safety restraint	$1239	$211
Two comp claims	$1239	$207
Failure to show documents	$1258	$214
Speeding 6 - 10 MPH over limit	$1284	$214
Driving with expired registration	$1290	$219
Speeding 11 - 15 MPH over limit	$1316	$219
Driving too slowly	$1323	$225
Failure to yield	$1323	$220
Illegal turn	$1323	$225
At-fault accident - less than $1000	$1334	$223
Failure to stop at a red light	$1334	$227
Following too closely	$1334	$223
Speeding 16 - 20 MPH over limit	$1341	$228
Speeding in school zone	$1341	$224
Improper passing	$1347	$229
Wrong way/wrong lane	$1347	$225
Cell phone violation	$1373	$233
Texting while driving	$1373	$229
Passing school bus	$1386	$235
In 65 MPH zone	$1392	$232
Speeding 21 - 25 MPH over limit	$1405	$239
Operating a vehicle without permission	$1431	$239
At-fault accident - $1000-$2000	$1519	$258
At-fault accident - greater than $2000	$1544	$258
Open container	$1595	$272
Reckless driving	$1850	$308
Racing	$1868	$318
Driving with a suspended license	$1907	$318
Refusal to submit to a chemical test	$1920	$326
DUI	$1926	$321
Leaving scene of an accident/hit and run	$1945	$331

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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 Douglas 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 Douglas.

The cheapest car insurance premiums in New Douglas are offered by Mercury at $242 for a six-month policy. However, it can be as expensive as $2726 with companies like Farmers.

New Douglas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$242	$41
American Family	$255	$43
Travelers	$681	$114
Progressive	$820	$138
Erie	$979	$165
Country Financial	$1137	$192
USAA	$1563	$263
State Farm	$1608	$271
Auto-Owners	$1697	$289
Allstate	$2695	$454
Farmers	$2726	$463

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 Douglas are offered by Westfield at $203. However, it can be as expensive as $4996 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in New Douglas after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$203	$34
Auto-Owners Insurance Co	$229	$39
Mercury	$248	$42
American Family	$255	$43
Hanover	$305	$51
Erie	$636	$107
Country Financial	$763	$128
Travelers	$966	$161
Auto-Owners	$979	$167
State Farm	$1226	$204
USAA	$1354	$230
Progressive	$1386	$231
Allstate	$2886	$491
Farmers	$4996	$832

Car Insurance Price Trends in New Douglas, Illinois

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

The average cost of full coverage in the New Douglas dipped by $181 in January compared to $207 of December. In other words, there has been an decrease by $26 when you compare January and December.

The average cost of liability insurance in the New Douglas dipped to $55 in January, compared to $57 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 New Douglas?

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

What is the cheapest car insurance in New Douglas?

The cheapest car insurance in New Douglas is $65 per month for full coverage.

How much is car insurance in New Douglas for teenagers?

Car insurance for teenagers costs $203 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 Douglas?

The average cost of car insurance is $871 for a six-month policy. It will cost around $156 per month to insure your car in New Douglas.

Is car insurance expensive in New Douglas?

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

Cheapest Car Insurance Quotes in New Douglas

Why you can trust Way?

How Much Is Car Insurance in New Douglas

Avg. Car Insurance in New Douglas

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in New Douglas

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

New Douglas Car Insurance Rates by Company

Cheap Car Insurance Companies in New Douglas, IL

Way's key takeaways about car insurance in New Douglas

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Douglas

Cheapest Liability Coverage in New Douglas, IL

Cheapest Full Coverage Car Insurance in New Douglas

Cheapest Full Coverage Car Insurance Quotes in New Douglas, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Douglas by Rating Factor

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

Car Insurance Premiums by Age in New Douglas

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Douglas

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

New Douglas Car Insurance Rates by Violation

New Douglas auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Douglas after a DUI

New Douglas car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Douglas after Speeding ticket

Car Insurance Price Trends in New Douglas, Illinois

Average Car Insurance Cost in New Douglas by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Douglas, IL

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

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