Cheapest Car Insurance Quotes in Orient

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399,755 Policies Sold

Orient Car Insurance

^$ 26

/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 Orient

The car insurance rate in Orient is $895 for a six-month policy, which is $26 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $459, making it a popular choice for budget-conscious drivers. Rates in Orient 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 Orient

$895

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Orient

1st place: AutoOwners Insurance Co

At $459 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 $520 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 $545 for six months, making it the third cheapest auto insurance company in Orient.

Orient Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orient, IL is AutoOwners Insurance Co, offering policies at just $459 for a six-month term. This is followed by Westfield, which has an average six-month premium of $520.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $832 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orient drivers find the best deals.

Cheap Car Insurance Companies in Orient, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$459	$78
Westfield	$520	$87
Country Financial	$545	$92
Travelers	$649	$109
American Family	$753	$127
Erie	$789	$132
USAA	$930	$157
State Farm	$936	$158
Progressive	$1028	$173
Auto-Owners	$1083	$180
Allstate	$1554	$262
Farmers	$1554	$262
Hanover	$967	$161
Mercury	$826	$138
Hastings Mutual	$832	$141

Key Takeaways

Way's key takeaways about car insurance in Orient

The auto insurance costs in Orient fall around $459 for six months.
The cheapest auto insurance company in Orient is Mercury.
Teen drivers pay the highest rate in Orient at $60 per month.

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Cheapest Minimum Liability Car Insurance in Orient

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 Orient are given below.

Mercury provides the cheapest minimum car insurance coverage in Orient. Their Average 6 Month Premium is $153. First Chicago is the most expensive at $202 for the same period.

Cheapest Liability Coverage in Orient, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$153	$26
Westfield	$165	$28
Auto-Owners Insurance Co	$196	$33
Country Financial	$208	$35
Erie	$256	$43
Auto-Owners	$281	$47
Travelers	$281	$47
American Family	$324	$55
State Farm	$324	$55
USAA	$343	$58
Progressive	$398	$67
Allstate	$624	$105
Farmers	$765	$130
Hanover	$183	$31
AAA	$263	$44
First Chicago	$202	$34

Cheapest Full Coverage Car Insurance in Orient

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 Orient is AutoOwners Insurance Co at $78 per month and $459 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orient, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$459	$78
Westfield	$520	$87
Country Financial	$545	$92
Travelers	$649	$109
American Family	$753	$127
Erie	$789	$132
USAA	$930	$157
State Farm	$936	$158
Progressive	$1028	$173
Auto-Owners	$1083	$180
Allstate	$1554	$262
Farmers	$1554	$262
Hanover	$967	$161
Mercury	$826	$138
Hastings Mutual	$832	$141

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Average Car Insurance in Orient 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 Orient, IL increasing?

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

Car Insurance Premiums by Age in Orient

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	$728
30s	Auto-Owners	$504
40s	Auto-Owners	$494
50s	Auto-Owners	$467
60s	Auto-Owners	$490
70s	Auto-Owners	$622

Cheapest Car Insurance Rates for Teen Drivers in Orient,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Orient at $33 per month. At $349 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Mercury	$227	$38
Auto-Owners Insurance Co	$245	$41
Country Financial	$832	$140
Erie	$1022	$172
Travelers	$1083	$182
USAA	$1885	$317
American Family	$2258	$380
State Farm	$3249	$547
Progressive	$3255	$548
Allstate	$3781	$637
Farmers	$3848	$648
AAA	$349	$60

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 Orient.

As young drivers face the highest rates in Orient, AutoOwners offers the cheapest auto insurance rates at $728 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 Orient, Mercury is the cheapest car insurance provider. At $233 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 Orient is State Farm, offering rates of around $3200 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$39
Westfield	$306	$53
Hanover	$410	$68
Country Financial	$612	$103
Travelers	$679	$114
Progressive	$972	$164
American Family	$1193	$201
USAA	$1584	$270
Allstate	$2601	$434
Farmers	$2992	$509
State Farm	$3200	$534

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Orient

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

Cheapest Car Insurance Companies after an At-Fault Accident in Orient

The cheapest car insurance companies after an at-fault accident in Orient include AutoOwners Insurance Co and Westfield, offering $256 and $263, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $306.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$256	$43
Westfield	$263	$44
Mercury	$337	$56
Travelers	$587	$99
Erie	$593	$100
Country Financial	$599	$101
State Farm	$887	$149
USAA	$912	$153
American Family	$1022	$172
Progressive	$1475	$248
Farmers	$1627	$274
Allstate	$2699	$454
AAA	$435	$74
First Chicago	$281	$47
Hastings Mutual	$306	$53

Orient Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orient IL. For example, the car insurance in Orient after a DUI increases to $845 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Orient auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1009	$168
One Med/PIP claim	$1016	$173
Not-at-fault accident	$1071	$178
One comp claim	$1095	$186
Two Med/PIP claims	$1095	$182
Failure to wear a seat belt	$1174	$200
Driving without lights	$1187	$198
Child safety restraint	$1193	$203
Two comp claims	$1193	$199
Failure to show documents	$1211	$206
Speeding 6 - 10 MPH over limit	$1236	$206
Driving with expired registration	$1242	$211
Speeding 11 - 15 MPH over limit	$1267	$211
Driving too slowly	$1273	$216
Failure to yield	$1273	$212
Illegal turn	$1273	$216
At-fault accident - less than $1000	$1284	$214
Failure to stop at a red light	$1284	$218
Following too closely	$1284	$214
Speeding 16 - 20 MPH over limit	$1291	$219
Speeding in school zone	$1291	$215
Improper passing	$1297	$220
Wrong way/wrong lane	$1297	$216
Cell phone violation	$1321	$225
Texting while driving	$1321	$220
Passing school bus	$1334	$227
In 65 MPH zone	$1340	$224
Speeding 21 - 25 MPH over limit	$1352	$230
Operating a vehicle without permission	$1377	$230
At-fault accident - $1000-$2000	$1463	$248
At-fault accident - greater than $2000	$1486	$248
Open container	$1536	$262
Reckless driving	$1781	$297
Racing	$1798	$306
Driving with a suspended license	$1835	$306
Refusal to submit to a chemical test	$1848	$314
DUI	$1854	$309
Leaving scene of an accident/hit and run	$1873	$318

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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 Orient 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 Orient.

The cheapest car insurance premiums in Orient are offered by Mercury at $233 for a six-month policy. However, it can be as expensive as $2624 with companies like Farmers.

Orient car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$39
Travelers	$624	$105
Erie	$722	$122
Progressive	$753	$127
Country Financial	$949	$160
American Family	$1157	$195
State Farm	$1255	$211
USAA	$1469	$247
Allstate	$2306	$388
Farmers	$2624	$446

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 Orient are offered by Westfield at $196. However, it can be as expensive as $4809 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Orient after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Auto-Owners Insurance Co	$220	$37
Mercury	$239	$40
Erie	$256	$43
Hanover	$294	$49
Country Financial	$618	$104
USAA	$801	$134
State Farm	$1095	$186
Travelers	$1242	$207
Progressive	$1284	$218
American Family	$1426	$240
Allstate	$4087	$695
Farmers	$4809	$801

Car Insurance Price Trends in Orient, Illinois

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

The average cost of full coverage in the Orient rose by $199 in December compared to $197 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Orient rose to $55 in December, compared to $53 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 Orient?

The car insurance in Orient is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Orient?

The cheapest car insurance in Orient is $78 per month for full coverage.

How much is car insurance in Orient for teenagers?

Car insurance for teenagers costs $196 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 Orient?

The average cost of car insurance is $869 for a six-month policy. It will cost around $149 per month to insure your car in Orient.

Is car insurance expensive in Orient?

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

Cheapest Car Insurance Quotes in Orient

Why you can trust Way?

How Much Is Car Insurance in Orient

Avg. Car Insurance in Orient

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Orient

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Orient Car Insurance Rates by Company

Cheap Car Insurance Companies in Orient, IL

Way's key takeaways about car insurance in Orient

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orient

Cheapest Liability Coverage in Orient, IL

Cheapest Full Coverage Car Insurance in Orient

Cheapest Full Coverage Car Insurance Quotes in Orient, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orient by Rating Factor

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

Car Insurance Premiums by Age in Orient

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orient,IL

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

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 Orient

Cheapest Car Insurance Companies after an At-Fault Accident in Orient

Orient Car Insurance Rates by Violation

Orient auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orient after a DUI

Orient car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orient after Speeding ticket

Car Insurance Price Trends in Orient, Illinois

Average Car Insurance Cost in Orient by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orient, IL

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

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