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Finding the cheapest car insurance quotes in Timewell 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 Timewell
The car insurance rate in Timewell is $958 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $392, making it a popular choice for budget-conscious drivers. Rates in Timewell 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 $392 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 $491 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $556
for six months, making it
the third cheapest auto insurance company in Timewell.
Timewell Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Timewell, IL is American Family, offering policies at just $392 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $491.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1033 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Timewell drivers find the best deals.
Way's key takeaways about car insurance in Timewell
The auto insurance costs in Timewell fall around $392 for six
months.
The cheapest auto insurance company in Timewell is Mercury.
Teen drivers pay the highest rate in Timewell at $64 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 Timewell
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 Timewell are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Timewell. Their Average 6 Month Premium is $164.
AAA is the most
expensive at $281 for the same
period.
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 Timewell is American Family
at $67 per month and $392
for six months.
Cheapest Full Coverage Car Insurance Quotes in Timewell,
IL
Get Your Car Insurance Quote in Timewell
Instantly!
Average Car Insurance in Timewell 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 Timewell, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Timewell, 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, Timewell's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Timewell
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
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Cheapest Car Insurance Rates for Teen Drivers in
Timewell,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Timewell at $35
per
month. At $373 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Timewell.
As young drivers face the highest rates in Timewell, N/A
offers the cheapest auto insurance rates at $N/A 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 Timewell,
Mercury is
the cheapest car insurance provider. At $249 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
Timewell is Farmers, offering
rates of around $3196 for six
months.
Save up to $971/yr on car insurance rates in Timewell.
Car Insurance Rates with An Accident in Timewell
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 Timewell, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Timewell
The cheapest car insurance companies after an at-fault accident in
Timewell include American Family
and AutoOwners Insurance Co, offering $262
and $274,
respectively. AAA is an expensive provider
with an average six-month premium of
$464.
Here is a list of driving violations that can increase your car
insurance rates in Timewell IL. For example, the car
insurance in Timewell
after a DUI increases to $902 for a six
month policy. While the rate increases by $242 for a six-month policy in the case of
a speeding ticket.
Timewell auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1078
$179
One Med/PIP claim
$1085
$185
Not-at-fault accident
$1144
$190
One comp claim
$1169
$199
Two Med/PIP claims
$1169
$195
Failure to wear a seat belt
$1254
$213
Driving without lights
$1267
$211
Child safety restraint
$1274
$217
Two comp claims
$1274
$212
Failure to show documents
$1294
$220
Speeding 6 - 10 MPH over limit
$1320
$220
Driving with expired registration
$1327
$226
Speeding 11 - 15 MPH over limit
$1353
$226
Driving too slowly
$1360
$231
Failure to yield
$1360
$227
Illegal turn
$1360
$231
At-fault accident - less than $1000
$1372
$229
Failure to stop at a red light
$1372
$233
Following too closely
$1372
$229
Speeding 16 - 20 MPH over limit
$1378
$234
Speeding in school zone
$1378
$230
Improper passing
$1385
$235
Wrong way/wrong lane
$1385
$231
Cell phone violation
$1411
$240
Texting while driving
$1411
$235
Passing school bus
$1425
$242
In 65 MPH zone
$1431
$239
Speeding 21 - 25 MPH over limit
$1444
$245
Operating a vehicle without permission
$1471
$245
At-fault accident - $1000-$2000
$1562
$265
At-fault accident - greater than $2000
$1587
$265
Open container
$1640
$279
Reckless driving
$1902
$317
Racing
$1921
$327
Driving with a suspended license
$1960
$327
Refusal to submit to a chemical test
$1973
$336
DUI
$1980
$330
Leaving scene of an accident/hit and run
$2000
$340
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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 Timewell 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 Timewell.
The cheapest car insurance premiums in
Timewell are
offered by Mercury at $249 for a six-month policy.
However, it can be as
expensive as $2803 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 Timewell are offered by Westfield
at $209. However,
it can be as expensive as $5136
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Timewell after Speeding ticket
Car insurance rates in Timewell have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Timewell dipped by
$186 in January
compared to $212 of December. In other words, there has been an decrease by $26 when you
compare January and December.
The average cost of liability insurance in the Timewell dipped to $56 in January,
compared to $58 in December.
This represents an decrease of $2
when comparing January and December.
Average Car Insurance Cost in Timewell 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
Timewell. At $1916 for a
six-month policy, insuring
your car at 62375 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 Timewell?
The car insurance in Timewell is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Timewell?
The cheapest car insurance in Timewell
is $67 per month
for full coverage.
How much is car insurance in Timewell for teenagers?
Car insurance for teenagers costs $209 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
Timewell?
The average cost of car insurance is $871 for a six-month
policy. It will cost around $161 per month to insure your
car in Timewell.
Is car insurance expensive in Timewell?
Car insurance can be expensive in Timewell if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Timewell can be
affordable.
What is the best car insurance in Timewell,
IL?
The best car insurance company in Timewell
IL is
American Family, offering $392 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Timewell, IL
Car Insurance Rates by State in the USA (2025 Update)
Timewell Car Insurance
