Cheapest Car Insurance Quotes in Sheffield

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Sheffield 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 Sheffield

The car insurance rate in Sheffield is $791 for a six-month policy, which is $78 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $406, making it a popular choice for budget-conscious drivers. Rates in Sheffield 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 Sheffield

$791

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Sheffield

1st place: AutoOwners Insurance Co

At $406 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 $460 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 $481 for six months, making it the third cheapest auto insurance company in Sheffield.

Sheffield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sheffield, IL is AutoOwners Insurance Co, offering policies at just $406 for a six-month term. This is followed by Westfield, which has an average six-month premium of $460.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $735 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sheffield drivers find the best deals.

Cheap Car Insurance Companies in Sheffield, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$406	$69
Westfield	$460	$76
Country Financial	$481	$81
Travelers	$573	$96
American Family	$665	$112
Erie	$697	$116
USAA	$822	$138
State Farm	$827	$139
Progressive	$908	$153
Auto-Owners	$956	$159
Allstate	$1373	$231
Farmers	$1373	$231
Hanover	$854	$142
Mercury	$730	$122
Hastings Mutual	$735	$125

Key Takeaways

Way's key takeaways about car insurance in Sheffield

The auto insurance costs in Sheffield fall around $406 for six months.
The cheapest auto insurance company in Sheffield is Mercury.
Teen drivers pay the highest rate in Sheffield at $53 per month.

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Cheapest Minimum Liability Car Insurance in Sheffield

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 Sheffield are given below.

Mercury provides the cheapest minimum car insurance coverage in Sheffield. Their Average 6 Month Premium is $136. First Chicago is the most expensive at $178 for the same period.

Cheapest Liability Coverage in Sheffield, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$136	$23
Westfield	$146	$25
Auto-Owners Insurance Co	$173	$29
Country Financial	$184	$31
Erie	$227	$38
Auto-Owners	$248	$42
Travelers	$248	$42
American Family	$287	$48
State Farm	$287	$48
USAA	$303	$51
Progressive	$351	$59
Allstate	$551	$93
Farmers	$676	$115
Hanover	$162	$27
AAA	$232	$39
First Chicago	$178	$30

Cheapest Full Coverage Car Insurance in Sheffield

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 Sheffield is AutoOwners Insurance Co at $69 per month and $406 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sheffield, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$406	$69
Westfield	$460	$76
Country Financial	$481	$81
Travelers	$573	$96
American Family	$665	$112
Erie	$697	$116
USAA	$822	$138
State Farm	$827	$139
Progressive	$908	$153
Auto-Owners	$956	$159
Allstate	$1373	$231
Farmers	$1373	$231
Hanover	$854	$142
Mercury	$730	$122
Hastings Mutual	$735	$125

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Average Car Insurance in Sheffield 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 Sheffield, IL increasing?

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

Car Insurance Premiums by Age in Sheffield

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	$643
30s	Auto-Owners	$445
40s	Auto-Owners	$437
50s	Auto-Owners	$412
60s	Auto-Owners	$433
70s	Auto-Owners	$550

Cheapest Car Insurance Rates for Teen Drivers in Sheffield,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Sheffield at $29 per month. At $308 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Mercury	$200	$34
Auto-Owners Insurance Co	$217	$36
Country Financial	$735	$124
Erie	$903	$152
Travelers	$956	$161
USAA	$1665	$280
American Family	$1995	$336
State Farm	$2870	$483
Progressive	$2876	$484
Allstate	$3341	$562
Farmers	$3400	$572
AAA	$308	$53

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 Sheffield.

As young drivers face the highest rates in Sheffield, AutoOwners offers the cheapest auto insurance rates at $643 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 Sheffield, Mercury is the cheapest car insurance provider. At $206 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 Sheffield is State Farm, offering rates of around $2827 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$206	$35
Westfield	$270	$46
Hanover	$362	$60
Country Financial	$541	$91
Travelers	$600	$101
Progressive	$859	$145
American Family	$1054	$177
USAA	$1400	$238
Allstate	$2298	$383
Farmers	$2644	$450
State Farm	$2827	$471

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Car Insurance Rates with An Accident in Sheffield

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

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

The cheapest car insurance companies after an at-fault accident in Sheffield include AutoOwners Insurance Co and Westfield, offering $227 and $232, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $270.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Westfield	$232	$39
Mercury	$298	$49
Travelers	$519	$87
Erie	$524	$88
Country Financial	$530	$89
State Farm	$784	$132
USAA	$805	$136
American Family	$903	$152
Progressive	$1303	$219
Farmers	$1438	$242
Allstate	$2384	$401
AAA	$384	$66
First Chicago	$248	$42
Hastings Mutual	$270	$46

Sheffield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sheffield IL. For example, the car insurance in Sheffield after a DUI increases to $746 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Sheffield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$892	$148
One Med/PIP claim	$897	$153
Not-at-fault accident	$946	$157
One comp claim	$967	$165
Two Med/PIP claims	$967	$161
Failure to wear a seat belt	$1037	$177
Driving without lights	$1048	$175
Child safety restraint	$1054	$179
Two comp claims	$1054	$176
Failure to show documents	$1070	$182
Speeding 6 - 10 MPH over limit	$1092	$182
Driving with expired registration	$1097	$187
Speeding 11 - 15 MPH over limit	$1119	$187
Driving too slowly	$1125	$191
Failure to yield	$1125	$187
Illegal turn	$1125	$191
At-fault accident - less than $1000	$1135	$189
Failure to stop at a red light	$1135	$193
Following too closely	$1135	$189
Speeding 16 - 20 MPH over limit	$1140	$194
Speeding in school zone	$1140	$190
Improper passing	$1146	$195
Wrong way/wrong lane	$1146	$191
Cell phone violation	$1168	$198
Texting while driving	$1168	$195
Passing school bus	$1178	$200
In 65 MPH zone	$1184	$197
Speeding 21 - 25 MPH over limit	$1195	$203
Operating a vehicle without permission	$1217	$203
At-fault accident - $1000-$2000	$1292	$219
At-fault accident - greater than $2000	$1313	$219
Open container	$1357	$231
Reckless driving	$1573	$262
Racing	$1589	$270
Driving with a suspended license	$1622	$270
Refusal to submit to a chemical test	$1633	$278
DUI	$1638	$273
Leaving scene of an accident/hit and run	$1654	$281

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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 Sheffield 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 Sheffield.

The cheapest car insurance premiums in Sheffield are offered by Mercury at $206 for a six-month policy. However, it can be as expensive as $2319 with companies like Farmers.

Sheffield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$206	$35
Travelers	$551	$93
Erie	$638	$107
Progressive	$665	$112
Country Financial	$838	$141
American Family	$1022	$172
State Farm	$1108	$187
USAA	$1298	$218
Allstate	$2037	$343
Farmers	$2319	$394

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 Sheffield are offered by Westfield at $173. However, it can be as expensive as $4249 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sheffield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Auto-Owners Insurance Co	$195	$33
Mercury	$211	$35
Erie	$227	$38
Hanover	$259	$44
Country Financial	$546	$92
USAA	$708	$118
State Farm	$967	$165
Travelers	$1097	$183
Progressive	$1135	$193
American Family	$1259	$212
Allstate	$3611	$614
Farmers	$4249	$708

Car Insurance Price Trends in Sheffield, Illinois

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

The average cost of full coverage in the Sheffield rose by $176 in December compared to $174 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 Sheffield rose to $48 in December, compared to $46 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 Sheffield?

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

What is the cheapest car insurance in Sheffield?

The cheapest car insurance in Sheffield is $69 per month for full coverage.

How much is car insurance in Sheffield for teenagers?

Car insurance for teenagers costs $173 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 Sheffield?

The average cost of car insurance is $869 for a six-month policy. It will cost around $132 per month to insure your car in Sheffield.

Is car insurance expensive in Sheffield?

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

Cheapest Car Insurance Quotes in Sheffield

Why you can trust Way?

How Much Is Car Insurance in Sheffield

Avg. Car Insurance in Sheffield

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Sheffield

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Sheffield Car Insurance Rates by Company

Cheap Car Insurance Companies in Sheffield, IL

Way's key takeaways about car insurance in Sheffield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sheffield

Cheapest Liability Coverage in Sheffield, IL

Cheapest Full Coverage Car Insurance in Sheffield

Cheapest Full Coverage Car Insurance Quotes in Sheffield, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sheffield by Rating Factor

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

Car Insurance Premiums by Age in Sheffield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sheffield,IL

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

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 Sheffield

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

Sheffield Car Insurance Rates by Violation

Sheffield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sheffield after a DUI

Sheffield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sheffield after Speeding ticket

Car Insurance Price Trends in Sheffield, Illinois

Average Car Insurance Cost in Sheffield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sheffield, IL

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

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