Cheapest Car Insurance Quotes in Paxton

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Paxton Car Insurance

^$ 22

/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 Paxton

The car insurance rate in Paxton is $773 for a six-month policy, which is $96 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Paxton 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 Paxton

$773

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Paxton

1st place: AutoOwners Insurance Co

At $397 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 $449 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 $471 for six months, making it the third cheapest auto insurance company in Paxton.

Paxton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paxton, IL is AutoOwners Insurance Co, offering policies at just $397 for a six-month term. This is followed by Westfield, which has an average six-month premium of $449.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $719 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paxton drivers find the best deals.

Cheap Car Insurance Companies in Paxton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$397	$68
Westfield	$449	$75
Country Financial	$471	$79
Travelers	$561	$94
American Family	$651	$109
Erie	$682	$114
USAA	$804	$135
State Farm	$809	$136
Progressive	$888	$150
Auto-Owners	$935	$156
Allstate	$1343	$226
Farmers	$1343	$226
Hanover	$836	$139
Mercury	$714	$119
Hastings Mutual	$719	$122

Key Takeaways

Way's key takeaways about car insurance in Paxton

The auto insurance costs in Paxton fall around $397 for six months.
The cheapest auto insurance company in Paxton is Mercury.
Teen drivers pay the highest rate in Paxton at $52 per month.

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Cheapest Minimum Liability Car Insurance in Paxton

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 Paxton are given below.

Mercury provides the cheapest minimum car insurance coverage in Paxton. Their Average 6 Month Premium is $133. First Chicago is the most expensive at $174 for the same period.

Cheapest Liability Coverage in Paxton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$133	$22
Westfield	$142	$24
Auto-Owners Insurance Co	$169	$28
Country Financial	$180	$30
Erie	$222	$37
Auto-Owners	$243	$41
Travelers	$243	$41
American Family	$280	$47
State Farm	$280	$47
USAA	$296	$50
Progressive	$344	$58
Allstate	$539	$91
Farmers	$661	$112
Hanover	$158	$27
AAA	$227	$38
First Chicago	$174	$29

Cheapest Full Coverage Car Insurance in Paxton

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 Paxton is AutoOwners Insurance Co at $68 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paxton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$397	$68
Westfield	$449	$75
Country Financial	$471	$79
Travelers	$561	$94
American Family	$651	$109
Erie	$682	$114
USAA	$804	$135
State Farm	$809	$136
Progressive	$888	$150
Auto-Owners	$935	$156
Allstate	$1343	$226
Farmers	$1343	$226
Hanover	$836	$139
Mercury	$714	$119
Hastings Mutual	$719	$122

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Average Car Insurance in Paxton 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 Paxton, IL increasing?

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

Car Insurance Premiums by Age in Paxton

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	$629
30s	Auto-Owners	$435
40s	Auto-Owners	$427
50s	Auto-Owners	$403
60s	Auto-Owners	$424
70s	Auto-Owners	$538

Cheapest Car Insurance Rates for Teen Drivers in Paxton,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Paxton at $28 per month. At $302 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$28
Mercury	$196	$33
Auto-Owners Insurance Co	$212	$36
Country Financial	$719	$121
Erie	$883	$149
Travelers	$935	$158
USAA	$1629	$274
American Family	$1951	$328
State Farm	$2807	$473
Progressive	$2812	$473
Allstate	$3267	$550
Farmers	$3325	$560
AAA	$302	$52

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 Paxton.

As young drivers face the highest rates in Paxton, AutoOwners offers the cheapest auto insurance rates at $629 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 Paxton, Mercury is the cheapest car insurance provider. At $201 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 Paxton is State Farm, offering rates of around $2765 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$201	$34
Westfield	$264	$45
Hanover	$354	$59
Country Financial	$529	$89
Travelers	$587	$99
Progressive	$840	$142
American Family	$1031	$174
USAA	$1369	$233
Allstate	$2247	$375
Farmers	$2585	$440
State Farm	$2765	$461

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

Car Insurance Rates with An Accident in Paxton

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

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

The cheapest car insurance companies after an at-fault accident in Paxton include AutoOwners Insurance Co and Westfield, offering $222 and $227, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $264.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$222	$37
Westfield	$227	$38
Mercury	$291	$48
Travelers	$507	$85
Erie	$513	$86
Country Financial	$518	$87
State Farm	$766	$129
USAA	$788	$133
American Family	$883	$149
Progressive	$1274	$214
Farmers	$1406	$237
Allstate	$2332	$392
AAA	$376	$64
First Chicago	$243	$41
Hastings Mutual	$264	$45

Paxton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paxton IL. For example, the car insurance in Paxton after a DUI increases to $730 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

Paxton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$872	$145
One Med/PIP claim	$878	$150
Not-at-fault accident	$926	$154
One comp claim	$946	$161
Two Med/PIP claims	$946	$158
Failure to wear a seat belt	$1015	$173
Driving without lights	$1025	$171
Child safety restraint	$1031	$175
Two comp claims	$1031	$172
Failure to show documents	$1047	$178
Speeding 6 - 10 MPH over limit	$1068	$178
Driving with expired registration	$1073	$182
Speeding 11 - 15 MPH over limit	$1095	$182
Driving too slowly	$1100	$187
Failure to yield	$1100	$183
Illegal turn	$1100	$187
At-fault accident - less than $1000	$1110	$185
Failure to stop at a red light	$1110	$189
Following too closely	$1110	$185
Speeding 16 - 20 MPH over limit	$1115	$190
Speeding in school zone	$1115	$186
Improper passing	$1121	$190
Wrong way/wrong lane	$1121	$187
Cell phone violation	$1142	$194
Texting while driving	$1142	$190
Passing school bus	$1153	$196
In 65 MPH zone	$1158	$193
Speeding 21 - 25 MPH over limit	$1169	$198
Operating a vehicle without permission	$1190	$198
At-fault accident - $1000-$2000	$1264	$214
At-fault accident - greater than $2000	$1284	$214
Open container	$1327	$226
Reckless driving	$1539	$256
Racing	$1554	$264
Driving with a suspended license	$1586	$264
Refusal to submit to a chemical test	$1597	$271
DUI	$1602	$267
Leaving scene of an accident/hit and run	$1618	$275

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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 Paxton 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 Paxton.

The cheapest car insurance premiums in Paxton are offered by Mercury at $201 for a six-month policy. However, it can be as expensive as $2268 with companies like Farmers.

Paxton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$201	$34
Travelers	$539	$91
Erie	$624	$105
Progressive	$651	$109
Country Financial	$820	$138
American Family	$999	$168
State Farm	$1084	$182
USAA	$1269	$214
Allstate	$1993	$336
Farmers	$2268	$385

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 Paxton are offered by Westfield at $169. However, it can be as expensive as $4155 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Paxton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$28
Auto-Owners Insurance Co	$190	$32
Mercury	$206	$35
Erie	$222	$37
Hanover	$254	$43
Country Financial	$534	$90
USAA	$692	$116
State Farm	$946	$161
Travelers	$1073	$179
Progressive	$1110	$189
American Family	$1232	$207
Allstate	$3532	$601
Farmers	$4155	$692

Car Insurance Price Trends in Paxton, Illinois

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

The average cost of full coverage in the Paxton rose by $172 in December compared to $170 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 Paxton rose to $47 in December, compared to $45 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 Paxton?

The car insurance in Paxton is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Paxton?

The cheapest car insurance in Paxton is $68 per month for full coverage.

How much is car insurance in Paxton for teenagers?

Car insurance for teenagers costs $169 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 Paxton?

The average cost of car insurance is $869 for a six-month policy. It will cost around $129 per month to insure your car in Paxton.

Is car insurance expensive in Paxton?

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

Cheapest Car Insurance Quotes in Paxton

Why you can trust Way?

How Much Is Car Insurance in Paxton

Avg. Car Insurance in Paxton

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Paxton

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Paxton Car Insurance Rates by Company

Cheap Car Insurance Companies in Paxton, IL

Way's key takeaways about car insurance in Paxton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Paxton

Cheapest Liability Coverage in Paxton, IL

Cheapest Full Coverage Car Insurance in Paxton

Cheapest Full Coverage Car Insurance Quotes in Paxton, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Paxton by Rating Factor

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

Car Insurance Premiums by Age in Paxton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Paxton,IL

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

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 Paxton

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

Paxton Car Insurance Rates by Violation

Paxton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Paxton after a DUI

Paxton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Paxton after Speeding ticket

Car Insurance Price Trends in Paxton, Illinois

Average Car Insurance Cost in Paxton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Paxton, IL

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

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