Cheapest Car Insurance Quotes in Round Lake

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Round Lake 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 Round Lake

The car insurance rate in Round Lake is $886 for a six-month policy, which is $17 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Round Lake 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 Round Lake

$886

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Round Lake

1st place: AutoOwners Insurance Co

At $455 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 $515 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 $540 for six months, making it the third cheapest auto insurance company in Round Lake.

Round Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Round Lake, IL is AutoOwners Insurance Co, offering policies at just $455 for a six-month term. This is followed by Westfield, which has an average six-month premium of $515.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $824 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Round Lake drivers find the best deals.

Cheap Car Insurance Companies in Round Lake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$455	$78
Westfield	$515	$86
Country Financial	$540	$91
Travelers	$643	$108
American Family	$746	$125
Erie	$781	$131
USAA	$921	$155
State Farm	$927	$156
Progressive	$1018	$171
Auto-Owners	$1072	$179
Allstate	$1539	$259
Farmers	$1539	$259
Hanover	$958	$159
Mercury	$818	$137
Hastings Mutual	$824	$140

Key Takeaways

Way's key takeaways about car insurance in Round Lake

The auto insurance costs in Round Lake fall around $455 for six months.
The cheapest auto insurance company in Round Lake is Mercury.
Teen drivers pay the highest rate in Round Lake at $59 per month.

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Cheapest Minimum Liability Car Insurance in Round Lake

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 Round Lake are given below.

Mercury provides the cheapest minimum car insurance coverage in Round Lake. Their Average 6 Month Premium is $152. First Chicago is the most expensive at $200 for the same period.

Cheapest Liability Coverage in Round Lake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$152	$26
Westfield	$163	$28
Auto-Owners Insurance Co	$194	$33
Country Financial	$206	$35
Erie	$254	$43
Auto-Owners	$278	$47
Travelers	$278	$47
American Family	$321	$54
State Farm	$321	$54
USAA	$340	$57
Progressive	$394	$66
Allstate	$618	$104
Farmers	$758	$129
Hanover	$182	$31
AAA	$260	$44
First Chicago	$200	$34

Cheapest Full Coverage Car Insurance in Round Lake

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 Round Lake is AutoOwners Insurance Co at $78 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Round Lake, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$455	$78
Westfield	$515	$86
Country Financial	$540	$91
Travelers	$643	$108
American Family	$746	$125
Erie	$781	$131
USAA	$921	$155
State Farm	$927	$156
Progressive	$1018	$171
Auto-Owners	$1072	$179
Allstate	$1539	$259
Farmers	$1539	$259
Hanover	$958	$159
Mercury	$818	$137
Hastings Mutual	$824	$140

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Average Car Insurance in Round Lake 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 Round Lake, IL increasing?

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

Car Insurance Premiums by Age in Round Lake

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	$721
30s	Auto-Owners	$499
40s	Auto-Owners	$490
50s	Auto-Owners	$462
60s	Auto-Owners	$486
70s	Auto-Owners	$616

Cheapest Car Insurance Rates for Teen Drivers in Round Lake,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Round Lake at $33 per month. At $346 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$194	$33
Mercury	$224	$38
Auto-Owners Insurance Co	$243	$41
Country Financial	$824	$139
Erie	$1012	$170
Travelers	$1072	$181
USAA	$1867	$314
American Family	$2236	$376
State Farm	$3217	$542
Progressive	$3223	$543
Allstate	$3744	$630
Farmers	$3811	$642
AAA	$346	$59

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 Round Lake.

As young drivers face the highest rates in Round Lake, AutoOwners offers the cheapest auto insurance rates at $721 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 Round Lake, Mercury is the cheapest car insurance provider. At $231 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 Round Lake is State Farm, offering rates of around $3169 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
Westfield	$303	$52
Hanover	$406	$67
Country Financial	$606	$102
Travelers	$672	$113
Progressive	$963	$162
American Family	$1181	$199
USAA	$1569	$267
Allstate	$2576	$429
Farmers	$2963	$504
State Farm	$3169	$528

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Car Insurance Rates with An Accident in Round Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Round Lake

The cheapest car insurance companies after an at-fault accident in Round Lake include AutoOwners Insurance Co and Westfield, offering $254 and $260, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $303.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$254	$43
Westfield	$260	$44
Mercury	$334	$55
Travelers	$581	$98
Erie	$588	$99
Country Financial	$594	$100
State Farm	$878	$148
USAA	$903	$152
American Family	$1012	$170
Progressive	$1461	$246
Farmers	$1612	$271
Allstate	$2672	$450
AAA	$430	$73
First Chicago	$278	$47
Hastings Mutual	$303	$52

Round Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Round Lake IL. For example, the car insurance in Round Lake after a DUI increases to $836 for a six month policy. While the rate increases by $224 for a six-month policy in the case of a speeding ticket.

Round Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1000	$166
One Med/PIP claim	$1006	$171
Not-at-fault accident	$1061	$176
One comp claim	$1084	$185
Two Med/PIP claims	$1084	$181
Failure to wear a seat belt	$1163	$198
Driving without lights	$1175	$196
Child safety restraint	$1181	$201
Two comp claims	$1181	$197
Failure to show documents	$1200	$204
Speeding 6 - 10 MPH over limit	$1224	$204
Driving with expired registration	$1230	$209
Speeding 11 - 15 MPH over limit	$1255	$209
Driving too slowly	$1261	$214
Failure to yield	$1261	$210
Illegal turn	$1261	$214
At-fault accident - less than $1000	$1272	$212
Failure to stop at a red light	$1272	$216
Following too closely	$1272	$212
Speeding 16 - 20 MPH over limit	$1278	$217
Speeding in school zone	$1278	$213
Improper passing	$1284	$218
Wrong way/wrong lane	$1284	$214
Cell phone violation	$1309	$222
Texting while driving	$1309	$218
Passing school bus	$1321	$224
In 65 MPH zone	$1327	$221
Speeding 21 - 25 MPH over limit	$1339	$227
Operating a vehicle without permission	$1364	$227
At-fault accident - $1000-$2000	$1448	$246
At-fault accident - greater than $2000	$1472	$246
Open container	$1521	$259
Reckless driving	$1764	$294
Racing	$1781	$303
Driving with a suspended license	$1818	$303
Refusal to submit to a chemical test	$1830	$311
DUI	$1836	$306
Leaving scene of an accident/hit and run	$1854	$315

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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 Round Lake 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 Round Lake.

The cheapest car insurance premiums in Round Lake are offered by Mercury at $231 for a six-month policy. However, it can be as expensive as $2599 with companies like Farmers.

Round Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
Travelers	$618	$104
Erie	$715	$120
Progressive	$746	$125
Country Financial	$939	$158
American Family	$1145	$193
State Farm	$1242	$209
USAA	$1455	$245
Allstate	$2284	$385
Farmers	$2599	$442

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 Round Lake are offered by Westfield at $194. However, it can be as expensive as $4762 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Round Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$194	$33
Auto-Owners Insurance Co	$218	$37
Mercury	$237	$40
Erie	$254	$43
Hanover	$291	$49
Country Financial	$612	$103
USAA	$794	$133
State Farm	$1084	$185
Travelers	$1230	$205
Progressive	$1272	$216
American Family	$1412	$238
Allstate	$4047	$689
Farmers	$4762	$794

Car Insurance Price Trends in Round Lake, Illinois

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

The average cost of full coverage in the Round Lake rose by $197 in December compared to $195 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 Round Lake rose to $54 in December, compared to $52 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 Round Lake?

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

What is the cheapest car insurance in Round Lake?

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

How much is car insurance in Round Lake for teenagers?

Car insurance for teenagers costs $194 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 Round Lake?

The average cost of car insurance is $869 for a six-month policy. It will cost around $148 per month to insure your car in Round Lake.

Is car insurance expensive in Round Lake?

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

Cheapest Car Insurance Quotes in Round Lake

Why you can trust Way?

How Much Is Car Insurance in Round Lake

Avg. Car Insurance in Round Lake

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Round Lake

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Round Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Round Lake, IL

Way's key takeaways about car insurance in Round Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Round Lake

Cheapest Liability Coverage in Round Lake, IL

Cheapest Full Coverage Car Insurance in Round Lake

Cheapest Full Coverage Car Insurance Quotes in Round Lake, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Round Lake by Rating Factor

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

Car Insurance Premiums by Age in Round Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Round Lake,IL

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

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 Round Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Round Lake

Round Lake Car Insurance Rates by Violation

Round Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Round Lake after a DUI

Round Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Round Lake after Speeding ticket

Car Insurance Price Trends in Round Lake, Illinois

Average Car Insurance Cost in Round Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Round Lake, IL

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

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