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Finding the cheapest car insurance quotes in Summit Argo shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Summit Argo
The car insurance rate in Summit Argo is $1112 for a six-month policy, which is $243 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $571, making it a popular choice for budget-conscious drivers. Rates in Summit Argo 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.
At $571 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 $646 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 $677
for six months, making it
the third cheapest auto insurance company in Summit Argo.
Summit Argo Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Summit Argo, IL is AutoOwners Insurance Co, offering policies at just $571 for a six-month term. This is followed by Westfield, which has an average six-month premium of $646.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1034 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Summit Argo drivers find the best deals.
Way's key takeaways about car insurance in Summit Argo
The auto insurance costs in Summit Argo fall around $571 for six
months.
The cheapest auto insurance company in Summit Argo is Mercury.
Teen drivers pay the highest rate in Summit Argo at $74 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 Summit Argo
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 Summit Argo are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Summit Argo. Their Average 6 Month Premium is $191.
First Chicago is the most
expensive at $251 for the same
period.
Cheapest Full Coverage Car Insurance in Summit Argo
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 Summit Argo is AutoOwners Insurance Co
at $97 per month and $571
for six months.
Cheapest Full Coverage Car Insurance Quotes in Summit Argo,
IL
Get Your Car Insurance Quote in Summit Argo
Instantly!
Average Car Insurance in Summit Argo 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 Summit Argo, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Summit Argo, 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, Summit Argo's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Summit Argo
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
$905
30s
Auto-Owners
$626
40s
Auto-Owners
$614
50s
Auto-Owners
$580
60s
Auto-Owners
$609
70s
Auto-Owners
$773
Cheapest Car Insurance Rates for Teen Drivers in
Summit Argo,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Summit Argo at $41
per
month. At $434 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties AutoOwners is
the best choice for car
insurance in Summit Argo.
As young drivers face the highest rates in Summit Argo, AutoOwners
offers the cheapest auto insurance rates at $905 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 Summit Argo,
Mercury is
the cheapest car insurance provider. At $289 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
Summit Argo is State Farm, offering
rates of around $3977 for six
months.
Save up to $971/yr on car insurance rates in Summit Argo.
Car Insurance Rates with An Accident in Summit Argo
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 Summit Argo, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Summit Argo
The cheapest car insurance companies after an at-fault accident in
Summit Argo include AutoOwners Insurance Co
and Westfield, offering $319
and $326,
respectively. Hastings Mutual is an expensive provider
with an average six-month premium of
$380.
Here is a list of driving violations that can increase your car
insurance rates in Summit Argo IL. For example, the car
insurance in Summit Argo
after a DUI increases to $1050 for a six
month policy. While the rate increases by $282 for a six-month policy in the case of
a speeding ticket.
Summit Argo auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1254
$209
One Med/PIP claim
$1262
$215
Not-at-fault accident
$1331
$221
One comp claim
$1361
$232
Two Med/PIP claims
$1361
$227
Failure to wear a seat belt
$1459
$248
Driving without lights
$1475
$246
Child safety restraint
$1482
$252
Two comp claims
$1482
$247
Failure to show documents
$1505
$256
Speeding 6 - 10 MPH over limit
$1536
$256
Driving with expired registration
$1544
$262
Speeding 11 - 15 MPH over limit
$1574
$262
Driving too slowly
$1582
$269
Failure to yield
$1582
$264
Illegal turn
$1582
$269
At-fault accident - less than $1000
$1596
$266
Failure to stop at a red light
$1596
$271
Following too closely
$1596
$266
Speeding 16 - 20 MPH over limit
$1604
$273
Speeding in school zone
$1604
$268
Improper passing
$1612
$274
Wrong way/wrong lane
$1612
$269
Cell phone violation
$1642
$279
Texting while driving
$1642
$274
Passing school bus
$1658
$282
In 65 MPH zone
$1665
$278
Speeding 21 - 25 MPH over limit
$1681
$285
Operating a vehicle without permission
$1711
$285
At-fault accident - $1000-$2000
$1818
$308
At-fault accident - greater than $2000
$1847
$308
Open container
$1908
$325
Reckless driving
$2213
$369
Racing
$2235
$380
Driving with a suspended license
$2281
$380
Refusal to submit to a chemical test
$2296
$390
DUI
$2304
$384
Leaving scene of an accident/hit and run
$2327
$396
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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 Summit Argo 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 Summit Argo.
The cheapest car insurance premiums in
Summit Argo are
offered by Mercury at $289 for a six-month policy.
However, it can be as
expensive as $3261 with companies
like Farmers.
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 Summit Argo are offered by Westfield
at $243. However,
it can be as expensive as $5976
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Summit Argo after Speeding ticket
Car Insurance Price Trends in Summit Argo,
Illinois
Car insurance rates in Summit Argo have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Summit Argo rose by
$247 in December
compared to $244 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Summit Argo rose to $68 in December,
compared to $65 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Summit Argo by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Summit Argo. At $2224 for a
six-month policy, insuring
your car at 60501 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Summit Argo?
The car insurance in Summit Argo is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Summit Argo?
The cheapest car insurance in Summit Argo
is $97 per month
for full coverage.
How much is car insurance in Summit Argo for teenagers?
Car insurance for teenagers costs $243 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
Summit Argo?
The average cost of car insurance is $869 for a six-month
policy. It will cost around $186 per month to insure your
car in Summit Argo.
Is car insurance expensive in Summit Argo?
Car insurance can be expensive in Summit Argo if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Summit Argo can be
affordable.
What is the best car insurance in Summit Argo,
IL?
The best car insurance company in Summit Argo
IL is
AutoOwners Insurance Co, offering $571 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Summit Argo, IL
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Summit Argo Car Insurance
