Cheapest Car Insurance Quotes in Pontoon Beach

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Pontoon Beach Car Insurance

^$ 30

/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 $1028 for a six-month policy, which is $157 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, 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

$1028

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Pontoon Beach

1st place: American Family

At $420 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 $526 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $596 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 American Family, offering policies at just $420 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $526.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1108 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
American Family	$420	$72
Auto-Owners Insurance Co	$526	$87
Westfield	$596	$101
Travelers	$763	$129
Country Financial	$813	$137
Erie	$946	$159
USAA	$1128	$190
Auto-Owners	$1163	$196
Progressive	$1192	$201
State Farm	$1283	$216
Farmers	$1409	$240
Allstate	$2026	$341
Hanover	$1108	$184

Key Takeaways

Way's key takeaways about car insurance in Pontoon Beach

The auto insurance costs in Pontoon Beach fall around $420 for six months.
The cheapest auto insurance company in Pontoon Beach is Mercury.
Teen drivers pay the highest rate in Pontoon Beach at $68 per month.

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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 $176. AAA is the most expensive at $301 for the same period.

Cheapest Liability Coverage in Pontoon Beach, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$176	$30
Westfield	$189	$32
Auto-Owners Insurance Co	$224	$38
American Family	$238	$40
Erie	$294	$50
Travelers	$322	$54
Auto-Owners	$329	$55
Country Financial	$329	$55
USAA	$407	$68
State Farm	$434	$73
Progressive	$455	$77
Allstate	$673	$113
Farmers	$877	$149
Hanover	$210	$35
AAA	$301	$51

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 American Family at $72 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pontoon Beach, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$420	$72
Auto-Owners Insurance Co	$526	$87
Westfield	$596	$101
Travelers	$763	$129
Country Financial	$813	$137
Erie	$946	$159
USAA	$1128	$190
Auto-Owners	$1163	$196
Progressive	$1192	$201
State Farm	$1283	$216
Farmers	$1409	$240
Allstate	$2026	$341
Hanover	$1108	$184

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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

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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 $38 per month. At $400 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$224	$38
American Family	$260	$44
Mercury	$260	$44
Auto-Owners Insurance Co	$281	$47
Farmers	$455	$76
Country Financial	$1276	$215
Travelers	$1332	$224
Erie	$1514	$255
USAA	$2299	$387
Auto-Owners	$2510	$427
Progressive	$3533	$595
State Farm	$4367	$735
Allstate	$4766	$802
AAA	$400	$68

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 Pontoon Beach, Mercury is the cheapest car insurance provider. At $267 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 Farmers, offering rates of around $3428 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$267	$45
Westfield	$350	$59
American Family	$441	$76
Hanover	$470	$78
Travelers	$841	$142
Country Financial	$946	$159
Progressive	$1171	$197
USAA	$2074	$346
Erie	$2257	$384
Auto-Owners	$3211	$535
Allstate	$3673	$624
State Farm	$5481	$913
Farmers	$3428	$583

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

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 American Family and AutoOwners Insurance Co, offering $281 and $294, respectively. AAA is an expensive provider with an average six-month premium of $498.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$281	$47
Auto-Owners Insurance Co	$294	$50
Westfield	$301	$51
Mercury	$386	$66
Farmers	$575	$96
Travelers	$708	$119
Erie	$877	$148
Country Financial	$932	$157
State Farm	$1178	$198
USAA	$1261	$212
Auto-Owners	$1318	$219
Progressive	$1781	$300
Allstate	$3455	$582
AAA	$498	$85

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 $968 for a six month policy. While the rate increases by $260 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	$1156	$192
One Med/PIP claim	$1163	$198
Not-at-fault accident	$1227	$204
One comp claim	$1254	$214
Two Med/PIP claims	$1254	$209
Failure to wear a seat belt	$1345	$229
Driving without lights	$1359	$227
Child safety restraint	$1366	$232
Two comp claims	$1366	$228
Failure to show documents	$1388	$236
Speeding 6 - 10 MPH over limit	$1416	$236
Driving with expired registration	$1423	$242
Speeding 11 - 15 MPH over limit	$1451	$242
Driving too slowly	$1458	$248
Failure to yield	$1458	$243
Illegal turn	$1458	$248
At-fault accident - less than $1000	$1471	$245
Failure to stop at a red light	$1471	$250
Following too closely	$1471	$245
Speeding 16 - 20 MPH over limit	$1479	$251
Speeding in school zone	$1479	$247
Improper passing	$1486	$253
Wrong way/wrong lane	$1486	$248
Cell phone violation	$1514	$257
Texting while driving	$1514	$253
Passing school bus	$1528	$260
In 65 MPH zone	$1535	$256
Speeding 21 - 25 MPH over limit	$1549	$263
Operating a vehicle without permission	$1578	$263
At-fault accident - $1000-$2000	$1676	$284
At-fault accident - greater than $2000	$1703	$284
Open container	$1759	$300
Reckless driving	$2040	$340
Racing	$2060	$350
Driving with a suspended license	$2103	$350
Refusal to submit to a chemical test	$2117	$360
DUI	$2124	$354
Leaving scene of an accident/hit and run	$2145	$365

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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 $267 for a six-month policy. However, it can be as expensive as $3007 with companies like Farmers.

Pontoon Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$267	$45
American Family	$281	$47
Travelers	$750	$126
Progressive	$904	$152
Erie	$1080	$182
Country Financial	$1254	$211
USAA	$1724	$290
State Farm	$1774	$299
Auto-Owners	$1871	$319
Allstate	$2972	$500
Farmers	$3007	$511

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 $224. However, it can be as expensive as $5509 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	$224	$38
Auto-Owners Insurance Co	$253	$42
Mercury	$274	$46
American Family	$281	$47
Hanover	$336	$57
Erie	$701	$118
Country Financial	$841	$142
Travelers	$1066	$177
Auto-Owners	$1080	$184
State Farm	$1352	$225
USAA	$1493	$254
Progressive	$1528	$255
Allstate	$3182	$542
Farmers	$5509	$918

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 dipped by $199 in January compared to $228 of December. In other words, there has been an decrease by $29 when you compare January and December.

The average cost of liability insurance in the Pontoon Beach dipped to $60 in January, compared to $63 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Pontoon Beach?

The car insurance in Pontoon Beach is $30 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 $72 per month for full coverage.

How much is car insurance in Pontoon Beach for teenagers?

Car insurance for teenagers costs $224 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 $871 for a six-month policy. It will cost around $172 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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 N/A 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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