Cheapest Car Insurance Quotes in Pontoon Beach

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Pontoon Beach Car Insurance

^$ 28

/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 Pontoon Beach

The car insurance rate in Pontoon Beach is $991 for a six-month policy, which is $122 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $508, making it a popular choice for budget-conscious drivers. Rates in Pontoon Beach 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 Pontoon Beach

$991

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Pontoon Beach

1st place: AutoOwners Insurance Co

At $508 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 $576 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 $603 for six months, making it the third cheapest auto insurance company in Pontoon Beach.

Pontoon Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pontoon Beach, IL is AutoOwners Insurance Co, offering policies at just $508 for a six-month term. This is followed by Westfield, which has an average six-month premium of $576.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $921 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pontoon Beach drivers find the best deals.

Cheap Car Insurance Companies in Pontoon Beach, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$508	$87
Westfield	$576	$96
Country Financial	$603	$101
Travelers	$718	$121
American Family	$833	$140
Erie	$873	$146
USAA	$1029	$173
State Farm	$1036	$174
Progressive	$1138	$192
Auto-Owners	$1198	$199
Allstate	$1720	$290
Farmers	$1720	$290
Hanover	$1070	$178
Mercury	$914	$153
Hastings Mutual	$921	$156

Key Takeaways

Way's key takeaways about car insurance in Pontoon Beach

The auto insurance costs in Pontoon Beach fall around $508 for six months.
The cheapest auto insurance company in Pontoon Beach is Mercury.
Teen drivers pay the highest rate in Pontoon Beach at $66 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Pontoon Beach

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 Pontoon Beach are given below.

Mercury provides the cheapest minimum car insurance coverage in Pontoon Beach. Their Average 6 Month Premium is $170. First Chicago is the most expensive at $223 for the same period.

Cheapest Liability Coverage in Pontoon Beach, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$170	$28
Westfield	$182	$31
Auto-Owners Insurance Co	$217	$36
Country Financial	$230	$39
Erie	$284	$48
Auto-Owners	$311	$52
Travelers	$311	$52
American Family	$359	$60
State Farm	$359	$60
USAA	$380	$64
Progressive	$440	$74
Allstate	$691	$116
Farmers	$847	$144
Hanover	$203	$34
AAA	$291	$49
First Chicago	$223	$38

Cheapest Full Coverage Car Insurance in Pontoon Beach

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 Pontoon Beach is AutoOwners Insurance Co at $87 per month and $508 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pontoon Beach, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$508	$87
Westfield	$576	$96
Country Financial	$603	$101
Travelers	$718	$121
American Family	$833	$140
Erie	$873	$146
USAA	$1029	$173
State Farm	$1036	$174
Progressive	$1138	$192
Auto-Owners	$1198	$199
Allstate	$1720	$290
Farmers	$1720	$290
Hanover	$1070	$178
Mercury	$914	$153
Hastings Mutual	$921	$156

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Average Car Insurance in Pontoon Beach 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 Pontoon Beach, IL increasing?

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

Car Insurance Premiums by Age in Pontoon Beach

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	$806
30s	Auto-Owners	$557
40s	Auto-Owners	$547
50s	Auto-Owners	$516
60s	Auto-Owners	$543
70s	Auto-Owners	$689

Cheapest Car Insurance Rates for Teen Drivers in Pontoon Beach,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Pontoon Beach at $36 per month. At $386 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$217	$36
Mercury	$251	$42
Auto-Owners Insurance Co	$271	$46
Country Financial	$921	$155
Erie	$1131	$190
Travelers	$1198	$202
USAA	$2086	$351
American Family	$2499	$421
State Farm	$3596	$605
Progressive	$3602	$606
Allstate	$4185	$705
Farmers	$4259	$717
AAA	$386	$66

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 Pontoon Beach.

As young drivers face the highest rates in Pontoon Beach, AutoOwners offers the cheapest auto insurance rates at $806 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 Pontoon Beach, Mercury is the cheapest car insurance provider. At $258 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 Pontoon Beach is State Farm, offering rates of around $3542 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$258	$43
Westfield	$339	$58
Hanover	$454	$75
Country Financial	$677	$114
Travelers	$751	$127
Progressive	$1076	$181
American Family	$1320	$222
USAA	$1753	$299
Allstate	$2878	$480
Farmers	$3312	$563
State Farm	$3542	$591

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Car Insurance Rates with An Accident in Pontoon Beach

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pontoon Beach

The cheapest car insurance companies after an at-fault accident in Pontoon Beach include AutoOwners Insurance Co and Westfield, offering $284 and $291, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $339.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$284	$48
Westfield	$291	$49
Mercury	$373	$62
Travelers	$650	$109
Erie	$657	$111
Country Financial	$663	$112
State Farm	$982	$165
USAA	$1009	$170
American Family	$1131	$190
Progressive	$1632	$275
Farmers	$1801	$303
Allstate	$2987	$503
AAA	$481	$82
First Chicago	$311	$52
Hastings Mutual	$339	$58

Pontoon Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pontoon Beach IL. For example, the car insurance in Pontoon Beach after a DUI increases to $935 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Pontoon Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1117	$186
One Med/PIP claim	$1124	$192
Not-at-fault accident	$1186	$197
One comp claim	$1212	$206
Two Med/PIP claims	$1212	$202
Failure to wear a seat belt	$1300	$221
Driving without lights	$1313	$219
Child safety restraint	$1320	$225
Two comp claims	$1320	$220
Failure to show documents	$1341	$228
Speeding 6 - 10 MPH over limit	$1368	$228
Driving with expired registration	$1375	$234
Speeding 11 - 15 MPH over limit	$1402	$234
Driving too slowly	$1409	$239
Failure to yield	$1409	$235
Illegal turn	$1409	$239
At-fault accident - less than $1000	$1422	$237
Failure to stop at a red light	$1422	$242
Following too closely	$1422	$237
Speeding 16 - 20 MPH over limit	$1428	$243
Speeding in school zone	$1428	$238
Improper passing	$1435	$244
Wrong way/wrong lane	$1435	$239
Cell phone violation	$1463	$249
Texting while driving	$1463	$244
Passing school bus	$1476	$251
In 65 MPH zone	$1483	$247
Speeding 21 - 25 MPH over limit	$1497	$254
Operating a vehicle without permission	$1524	$254
At-fault accident - $1000-$2000	$1619	$275
At-fault accident - greater than $2000	$1645	$275
Open container	$1700	$290
Reckless driving	$1971	$328
Racing	$1990	$339
Driving with a suspended license	$2031	$339
Refusal to submit to a chemical test	$2045	$348
DUI	$2052	$342
Leaving scene of an accident/hit and run	$2073	$352

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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 Pontoon Beach 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 Pontoon Beach.

The cheapest car insurance premiums in Pontoon Beach are offered by Mercury at $258 for a six-month policy. However, it can be as expensive as $2905 with companies like Farmers.

Pontoon Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$258	$43
Travelers	$691	$116
Erie	$799	$135
Progressive	$833	$140
Country Financial	$1050	$177
American Family	$1280	$215
State Farm	$1389	$234
USAA	$1626	$274
Allstate	$2552	$430
Farmers	$2905	$494

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 Pontoon Beach are offered by Westfield at $217. However, it can be as expensive as $5323 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pontoon Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$217	$36
Auto-Owners Insurance Co	$244	$41
Mercury	$264	$44
Erie	$284	$48
Hanover	$325	$55
Country Financial	$684	$115
USAA	$887	$148
State Farm	$1212	$206
Travelers	$1375	$229
Progressive	$1422	$242
American Family	$1578	$266
Allstate	$4524	$769
Farmers	$5323	$887

Car Insurance Price Trends in Pontoon Beach, Illinois

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

The average cost of full coverage in the Pontoon Beach rose by $220 in December compared to $218 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 Pontoon Beach rose to $60 in December, compared to $58 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 Pontoon Beach?

The car insurance in Pontoon Beach is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Pontoon Beach?

The cheapest car insurance in Pontoon Beach is $87 per month for full coverage.

How much is car insurance in Pontoon Beach for teenagers?

Car insurance for teenagers costs $217 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 Pontoon Beach?

The average cost of car insurance is $869 for a six-month policy. It will cost around $165 per month to insure your car in Pontoon Beach.

Is car insurance expensive in Pontoon Beach?

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

Cheapest Car Insurance Quotes in Pontoon Beach

Why you can trust Way?

How Much Is Car Insurance in Pontoon Beach

Avg. Car Insurance in Pontoon Beach

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Pontoon Beach

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Pontoon Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Pontoon Beach, IL

Way's key takeaways about car insurance in Pontoon Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pontoon Beach

Cheapest Liability Coverage in Pontoon Beach, IL

Cheapest Full Coverage Car Insurance in Pontoon Beach

Cheapest Full Coverage Car Insurance Quotes in Pontoon Beach, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pontoon Beach by Rating Factor

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

Car Insurance Premiums by Age in Pontoon Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pontoon Beach,IL

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

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 Pontoon Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Pontoon Beach

Pontoon Beach Car Insurance Rates by Violation

Pontoon Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pontoon Beach after a DUI

Pontoon Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pontoon Beach after Speeding ticket

Car Insurance Price Trends in Pontoon Beach, Illinois

Average Car Insurance Cost in Pontoon Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pontoon Beach, IL

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

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