Cheapest Car Insurance Quotes in Pearl City

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Pearl City Car Insurance

^$ 23

/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 Pearl City

The car insurance rate in Pearl City is $808 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $415, making it a popular choice for budget-conscious drivers. Rates in Pearl City 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 Pearl City

$808

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Pearl City

1st place: AutoOwners Insurance Co

At $415 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 $470 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 $492 for six months, making it the third cheapest auto insurance company in Pearl City.

Pearl City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pearl City, IL is AutoOwners Insurance Co, offering policies at just $415 for a six-month term. This is followed by Westfield, which has an average six-month premium of $470.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $751 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pearl City drivers find the best deals.

Cheap Car Insurance Companies in Pearl City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$415	$71
Westfield	$470	$78
Country Financial	$492	$83
Travelers	$586	$99
American Family	$680	$114
Erie	$712	$119
USAA	$840	$141
State Farm	$845	$142
Progressive	$928	$156
Auto-Owners	$977	$163
Allstate	$1403	$236
Farmers	$1403	$236
Hanover	$873	$145
Mercury	$746	$125
Hastings Mutual	$751	$127

Key Takeaways

Way's key takeaways about car insurance in Pearl City

The auto insurance costs in Pearl City fall around $415 for six months.
The cheapest auto insurance company in Pearl City is Mercury.
Teen drivers pay the highest rate in Pearl City at $54 per month.

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Cheapest Minimum Liability Car Insurance in Pearl City

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 Pearl City are given below.

Mercury provides the cheapest minimum car insurance coverage in Pearl City. Their Average 6 Month Premium is $139. First Chicago is the most expensive at $182 for the same period.

Cheapest Liability Coverage in Pearl City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$139	$23
Westfield	$149	$25
Auto-Owners Insurance Co	$177	$30
Country Financial	$188	$32
Erie	$232	$39
Auto-Owners	$254	$43
Travelers	$254	$43
American Family	$293	$49
State Farm	$293	$49
USAA	$310	$52
Progressive	$359	$60
Allstate	$564	$95
Farmers	$691	$117
Hanover	$166	$28
AAA	$237	$40
First Chicago	$182	$31

Cheapest Full Coverage Car Insurance in Pearl City

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 Pearl City is AutoOwners Insurance Co at $71 per month and $415 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pearl City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$415	$71
Westfield	$470	$78
Country Financial	$492	$83
Travelers	$586	$99
American Family	$680	$114
Erie	$712	$119
USAA	$840	$141
State Farm	$845	$142
Progressive	$928	$156
Auto-Owners	$977	$163
Allstate	$1403	$236
Farmers	$1403	$236
Hanover	$873	$145
Mercury	$746	$125
Hastings Mutual	$751	$127

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Average Car Insurance in Pearl City 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 Pearl City, IL increasing?

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

Car Insurance Premiums by Age in Pearl City

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	$658
30s	Auto-Owners	$455
40s	Auto-Owners	$446
50s	Auto-Owners	$421
60s	Auto-Owners	$443
70s	Auto-Owners	$562

Cheapest Car Insurance Rates for Teen Drivers in Pearl City,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Pearl City at $30 per month. At $315 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Mercury	$205	$34
Auto-Owners Insurance Co	$221	$37
Country Financial	$751	$126
Erie	$923	$155
Travelers	$977	$165
USAA	$1702	$286
American Family	$2039	$343
State Farm	$2933	$494
Progressive	$2939	$495
Allstate	$3414	$575
Farmers	$3474	$585
AAA	$315	$54

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 Pearl City.

As young drivers face the highest rates in Pearl City, AutoOwners offers the cheapest auto insurance rates at $658 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 Pearl City, Mercury is the cheapest car insurance provider. At $210 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 Pearl City is State Farm, offering rates of around $2890 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$210	$35
Westfield	$276	$47
Hanover	$370	$61
Country Financial	$552	$93
Travelers	$613	$103
Progressive	$878	$148
American Family	$1077	$181
USAA	$1430	$244
Allstate	$2348	$392
Farmers	$2702	$459
State Farm	$2890	$482

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

Car Insurance Rates with An Accident in Pearl City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pearl City

The cheapest car insurance companies after an at-fault accident in Pearl City include AutoOwners Insurance Co and Westfield, offering $232 and $237, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $276.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$232	$39
Westfield	$237	$40
Mercury	$304	$50
Travelers	$530	$89
Erie	$536	$90
Country Financial	$541	$91
State Farm	$801	$135
USAA	$823	$139
American Family	$923	$155
Progressive	$1332	$224
Farmers	$1469	$247
Allstate	$2437	$410
AAA	$392	$67
First Chicago	$254	$43
Hastings Mutual	$276	$47

Pearl City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pearl City IL. For example, the car insurance in Pearl City after a DUI increases to $763 for a six month policy. While the rate increases by $205 for a six-month policy in the case of a speeding ticket.

Pearl City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$911	$152
One Med/PIP claim	$917	$156
Not-at-fault accident	$967	$161
One comp claim	$989	$168
Two Med/PIP claims	$989	$165
Failure to wear a seat belt	$1060	$180
Driving without lights	$1071	$179
Child safety restraint	$1077	$183
Two comp claims	$1077	$179
Failure to show documents	$1094	$186
Speeding 6 - 10 MPH over limit	$1116	$186
Driving with expired registration	$1122	$191
Speeding 11 - 15 MPH over limit	$1144	$191
Driving too slowly	$1149	$195
Failure to yield	$1149	$192
Illegal turn	$1149	$195
At-fault accident - less than $1000	$1160	$193
Failure to stop at a red light	$1160	$197
Following too closely	$1160	$193
Speeding 16 - 20 MPH over limit	$1165	$198
Speeding in school zone	$1165	$194
Improper passing	$1171	$199
Wrong way/wrong lane	$1171	$195
Cell phone violation	$1193	$203
Texting while driving	$1193	$199
Passing school bus	$1204	$205
In 65 MPH zone	$1210	$202
Speeding 21 - 25 MPH over limit	$1221	$207
Operating a vehicle without permission	$1243	$207
At-fault accident - $1000-$2000	$1321	$224
At-fault accident - greater than $2000	$1342	$224
Open container	$1387	$236
Reckless driving	$1608	$268
Racing	$1624	$276
Driving with a suspended license	$1657	$276
Refusal to submit to a chemical test	$1668	$284
DUI	$1674	$279
Leaving scene of an accident/hit and run	$1691	$287

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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 Pearl City 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 Pearl City.

The cheapest car insurance premiums in Pearl City are offered by Mercury at $210 for a six-month policy. However, it can be as expensive as $2370 with companies like Farmers.

Pearl City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$210	$35
Travelers	$564	$95
Erie	$652	$110
Progressive	$680	$114
Country Financial	$857	$144
American Family	$1044	$176
State Farm	$1133	$191
USAA	$1326	$223
Allstate	$2082	$351
Farmers	$2370	$403

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 Pearl City are offered by Westfield at $177. However, it can be as expensive as $4342 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pearl City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Auto-Owners Insurance Co	$199	$33
Mercury	$216	$36
Erie	$232	$39
Hanover	$265	$45
Country Financial	$558	$94
USAA	$724	$121
State Farm	$989	$168
Travelers	$1122	$187
Progressive	$1160	$197
American Family	$1287	$217
Allstate	$3690	$628
Farmers	$4342	$724

Car Insurance Price Trends in Pearl City, Illinois

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

The average cost of full coverage in the Pearl City rose by $179 in December compared to $178 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 Pearl City rose to $49 in December, compared to $47 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 Pearl City?

The car insurance in Pearl City is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Pearl City?

The cheapest car insurance in Pearl City is $71 per month for full coverage.

How much is car insurance in Pearl City for teenagers?

Car insurance for teenagers costs $177 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 Pearl City?

The average cost of car insurance is $869 for a six-month policy. It will cost around $135 per month to insure your car in Pearl City.

Is car insurance expensive in Pearl City?

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

Cheapest Car Insurance Quotes in Pearl City

Why you can trust Way?

How Much Is Car Insurance in Pearl City

Avg. Car Insurance in Pearl City

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Pearl City

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Pearl City Car Insurance Rates by Company

Cheap Car Insurance Companies in Pearl City, IL

Way's key takeaways about car insurance in Pearl City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pearl City

Cheapest Liability Coverage in Pearl City, IL

Cheapest Full Coverage Car Insurance in Pearl City

Cheapest Full Coverage Car Insurance Quotes in Pearl City, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pearl City by Rating Factor

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

Car Insurance Premiums by Age in Pearl City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pearl City,IL

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

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 Pearl City

Cheapest Car Insurance Companies after an At-Fault Accident in Pearl City

Pearl City Car Insurance Rates by Violation

Pearl City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pearl City after a DUI

Pearl City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pearl City after Speeding ticket

Car Insurance Price Trends in Pearl City, Illinois

Average Car Insurance Cost in Pearl City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pearl City, IL

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

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