Cheapest Car Insurance Quotes in Staunton

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Staunton Car Insurance

^$ 24

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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 Staunton

The car insurance rate in Staunton is $843 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $433, making it a popular choice for budget-conscious drivers. Rates in Staunton 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 Staunton

$843

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Staunton

1st place: AutoOwners Insurance Co

At $433 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 $490 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 $513 for six months, making it the third cheapest auto insurance company in Staunton.

Staunton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Staunton, IL is AutoOwners Insurance Co, offering policies at just $433 for a six-month term. This is followed by Westfield, which has an average six-month premium of $490.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $784 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Staunton drivers find the best deals.

Cheap Car Insurance Companies in Staunton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$433	$74
Westfield	$490	$81
Country Financial	$513	$86
Travelers	$611	$103
American Family	$709	$119
Erie	$743	$124
USAA	$876	$147
State Farm	$882	$148
Progressive	$968	$163
Auto-Owners	$1019	$170
Allstate	$1464	$246
Farmers	$1464	$246
Hanover	$911	$151
Mercury	$778	$130
Hastings Mutual	$784	$133

Key Takeaways

Way's key takeaways about car insurance in Staunton

The auto insurance costs in Staunton fall around $433 for six months.
The cheapest auto insurance company in Staunton is Mercury.
Teen drivers pay the highest rate in Staunton at $56 per month.

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Cheapest Minimum Liability Car Insurance in Staunton

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 Staunton are given below.

Mercury provides the cheapest minimum car insurance coverage in Staunton. Their Average 6 Month Premium is $145. First Chicago is the most expensive at $190 for the same period.

Cheapest Liability Coverage in Staunton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$145	$24
Westfield	$155	$26
Auto-Owners Insurance Co	$184	$31
Country Financial	$196	$33
Erie	$242	$41
Auto-Owners	$265	$45
Travelers	$265	$45
American Family	$306	$51
State Farm	$306	$51
USAA	$323	$54
Progressive	$374	$63
Allstate	$588	$99
Farmers	$721	$122
Hanover	$173	$29
AAA	$247	$42
First Chicago	$190	$32

Cheapest Full Coverage Car Insurance in Staunton

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 Staunton is AutoOwners Insurance Co at $74 per month and $433 for six months.

Cheapest Full Coverage Car Insurance Quotes in Staunton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$433	$74
Westfield	$490	$81
Country Financial	$513	$86
Travelers	$611	$103
American Family	$709	$119
Erie	$743	$124
USAA	$876	$147
State Farm	$882	$148
Progressive	$968	$163
Auto-Owners	$1019	$170
Allstate	$1464	$246
Farmers	$1464	$246
Hanover	$911	$151
Mercury	$778	$130
Hastings Mutual	$784	$133

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Average Car Insurance in Staunton 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 Staunton, IL increasing?

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

Car Insurance Premiums by Age in Staunton

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	$686
30s	Auto-Owners	$474
40s	Auto-Owners	$466
50s	Auto-Owners	$439
60s	Auto-Owners	$462
70s	Auto-Owners	$586

Cheapest Car Insurance Rates for Teen Drivers in Staunton,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Staunton at $31 per month. At $329 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$184	$31
Mercury	$213	$36
Auto-Owners Insurance Co	$231	$39
Country Financial	$784	$132
Erie	$962	$162
Travelers	$1019	$172
USAA	$1775	$299
American Family	$2126	$358
State Farm	$3059	$515
Progressive	$3065	$516
Allstate	$3561	$599
Farmers	$3624	$610
AAA	$329	$56

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 Staunton.

As young drivers face the highest rates in Staunton, AutoOwners offers the cheapest auto insurance rates at $686 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 Staunton, Mercury is the cheapest car insurance provider. At $219 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 Staunton is State Farm, offering rates of around $3014 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$219	$37
Westfield	$288	$49
Hanover	$386	$64
Country Financial	$576	$97
Travelers	$639	$108
Progressive	$916	$154
American Family	$1123	$189
USAA	$1492	$254
Allstate	$2449	$408
Farmers	$2818	$479
State Farm	$3014	$502

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Car Insurance Rates with An Accident in Staunton

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

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

The cheapest car insurance companies after an at-fault accident in Staunton include AutoOwners Insurance Co and Westfield, offering $242 and $247, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $288.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$242	$41
Westfield	$247	$42
Mercury	$317	$52
Travelers	$553	$93
Erie	$559	$94
Country Financial	$565	$95
State Farm	$835	$141
USAA	$858	$145
American Family	$962	$162
Progressive	$1389	$234
Farmers	$1533	$258
Allstate	$2541	$428
AAA	$409	$70
First Chicago	$265	$45
Hastings Mutual	$288	$49

Staunton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Staunton IL. For example, the car insurance in Staunton after a DUI increases to $795 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

Staunton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$951	$158
One Med/PIP claim	$956	$163
Not-at-fault accident	$1009	$168
One comp claim	$1031	$176
Two Med/PIP claims	$1031	$172
Failure to wear a seat belt	$1106	$188
Driving without lights	$1117	$186
Child safety restraint	$1123	$191
Two comp claims	$1123	$187
Failure to show documents	$1141	$194
Speeding 6 - 10 MPH over limit	$1164	$194
Driving with expired registration	$1170	$199
Speeding 11 - 15 MPH over limit	$1193	$199
Driving too slowly	$1199	$204
Failure to yield	$1199	$200
Illegal turn	$1199	$204
At-fault accident - less than $1000	$1210	$202
Failure to stop at a red light	$1210	$206
Following too closely	$1210	$202
Speeding 16 - 20 MPH over limit	$1215	$207
Speeding in school zone	$1215	$203
Improper passing	$1221	$208
Wrong way/wrong lane	$1221	$204
Cell phone violation	$1245	$211
Texting while driving	$1245	$208
Passing school bus	$1256	$213
In 65 MPH zone	$1262	$210
Speeding 21 - 25 MPH over limit	$1274	$216
Operating a vehicle without permission	$1297	$216
At-fault accident - $1000-$2000	$1377	$234
At-fault accident - greater than $2000	$1400	$234
Open container	$1446	$246
Reckless driving	$1677	$279
Racing	$1694	$288
Driving with a suspended license	$1729	$288
Refusal to submit to a chemical test	$1740	$296
DUI	$1746	$291
Leaving scene of an accident/hit and run	$1763	$300

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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 Staunton 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 Staunton.

The cheapest car insurance premiums in Staunton are offered by Mercury at $219 for a six-month policy. However, it can be as expensive as $2472 with companies like Farmers.

Staunton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$219	$37
Travelers	$588	$99
Erie	$680	$114
Progressive	$709	$119
Country Financial	$893	$150
American Family	$1089	$183
State Farm	$1181	$199
USAA	$1383	$233
Allstate	$2172	$366
Farmers	$2472	$420

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 Staunton are offered by Westfield at $184. However, it can be as expensive as $4529 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Staunton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$184	$31
Auto-Owners Insurance Co	$208	$35
Mercury	$225	$38
Erie	$242	$41
Hanover	$276	$47
Country Financial	$582	$98
USAA	$755	$126
State Farm	$1031	$176
Travelers	$1170	$195
Progressive	$1210	$206
American Family	$1342	$226
Allstate	$3849	$655
Farmers	$4529	$755

Car Insurance Price Trends in Staunton, Illinois

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

The average cost of full coverage in the Staunton rose by $187 in December compared to $185 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 Staunton rose to $51 in December, compared to $49 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 Staunton?

The car insurance in Staunton is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Staunton?

The cheapest car insurance in Staunton is $74 per month for full coverage.

How much is car insurance in Staunton for teenagers?

Car insurance for teenagers costs $184 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 Staunton?

The average cost of car insurance is $869 for a six-month policy. It will cost around $141 per month to insure your car in Staunton.

Is car insurance expensive in Staunton?

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

Cheapest Car Insurance Quotes in Staunton

Why you can trust Way?

How Much Is Car Insurance in Staunton

Avg. Car Insurance in Staunton

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Staunton

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Staunton Car Insurance Rates by Company

Cheap Car Insurance Companies in Staunton, IL

Way's key takeaways about car insurance in Staunton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Staunton

Cheapest Liability Coverage in Staunton, IL

Cheapest Full Coverage Car Insurance in Staunton

Cheapest Full Coverage Car Insurance Quotes in Staunton, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Staunton by Rating Factor

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

Car Insurance Premiums by Age in Staunton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Staunton,IL

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

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 Staunton

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

Staunton Car Insurance Rates by Violation

Staunton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Staunton after a DUI

Staunton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Staunton after Speeding ticket

Car Insurance Price Trends in Staunton, Illinois

Average Car Insurance Cost in Staunton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Staunton, IL

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

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