Cheapest Car Insurance Quotes in Tuscola

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Tuscola 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 Tuscola

The car insurance rate in Tuscola is $784 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $320, making it a popular choice for budget-conscious drivers. Rates in Tuscola 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 Tuscola

$784

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Tuscola

1st place: American Family

At $320 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 $401 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $455 for six months, making it the third cheapest auto insurance company in Tuscola.

Tuscola Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tuscola, IL is American Family, offering policies at just $320 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $401.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $845 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tuscola drivers find the best deals.

Cheap Car Insurance Companies in Tuscola, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$55
Auto-Owners Insurance Co	$401	$67
Westfield	$455	$77
Travelers	$582	$98
Country Financial	$620	$104
Erie	$722	$122
USAA	$860	$145
Auto-Owners	$887	$149
Progressive	$909	$153
State Farm	$978	$165
Farmers	$1075	$183
Allstate	$1545	$260
Hanover	$845	$140

Key Takeaways

Way's key takeaways about car insurance in Tuscola

The auto insurance costs in Tuscola fall around $320 for six months.
The cheapest auto insurance company in Tuscola is Mercury.
Teen drivers pay the highest rate in Tuscola at $52 per month.

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Cheapest Minimum Liability Car Insurance in Tuscola

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 Tuscola are given below.

Mercury provides the cheapest minimum car insurance coverage in Tuscola. Their Average 6 Month Premium is $134. AAA is the most expensive at $230 for the same period.

Cheapest Liability Coverage in Tuscola, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$134	$23
Westfield	$144	$24
Auto-Owners Insurance Co	$171	$29
American Family	$182	$31
Erie	$224	$38
Travelers	$246	$41
Auto-Owners	$251	$42
Country Financial	$251	$42
USAA	$311	$52
State Farm	$331	$56
Progressive	$347	$59
Allstate	$513	$86
Farmers	$669	$113
Hanover	$160	$27
AAA	$230	$39

Cheapest Full Coverage Car Insurance in Tuscola

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 Tuscola is American Family at $55 per month and $320 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tuscola, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$55
Auto-Owners Insurance Co	$401	$67
Westfield	$455	$77
Travelers	$582	$98
Country Financial	$620	$104
Erie	$722	$122
USAA	$860	$145
Auto-Owners	$887	$149
Progressive	$909	$153
State Farm	$978	$165
Farmers	$1075	$183
Allstate	$1545	$260
Hanover	$845	$140

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Average Car Insurance in Tuscola 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 Tuscola, IL increasing?

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

Car Insurance Premiums by Age in Tuscola

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

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Cheapest Car Insurance Rates for Teen Drivers in Tuscola,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Tuscola at $29 per month. At $305 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
American Family	$198	$33
Mercury	$198	$33
Auto-Owners Insurance Co	$214	$36
Farmers	$347	$58
Country Financial	$973	$164
Travelers	$1016	$171
Erie	$1155	$194
USAA	$1753	$295
Auto-Owners	$1914	$326
Progressive	$2695	$454
State Farm	$3331	$561
Allstate	$3635	$612
AAA	$305	$52

Teen Car Insurance Rates in IL by Age

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 Tuscola, Mercury is the cheapest car insurance provider. At $203 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 Tuscola is Farmers, offering rates of around $2615 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$203	$34
Westfield	$267	$45
American Family	$337	$58
Hanover	$358	$59
Travelers	$642	$108
Country Financial	$722	$122
Progressive	$893	$150
USAA	$1582	$264
Erie	$1722	$293
Auto-Owners	$2449	$408
Allstate	$2802	$476
State Farm	$4181	$697
Farmers	$2615	$445

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Car Insurance Rates with An Accident in Tuscola

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

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

The cheapest car insurance companies after an at-fault accident in Tuscola include American Family and AutoOwners Insurance Co, offering $214 and $224, respectively. AAA is an expensive provider with an average six-month premium of $380.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$214	$36
Auto-Owners Insurance Co	$224	$38
Westfield	$230	$39
Mercury	$294	$50
Farmers	$438	$73
Travelers	$540	$91
Erie	$669	$113
Country Financial	$711	$120
State Farm	$898	$151
USAA	$962	$162
Auto-Owners	$1005	$167
Progressive	$1358	$229
Allstate	$2635	$444
AAA	$380	$65

Tuscola Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tuscola IL. For example, the car insurance in Tuscola after a DUI increases to $738 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Tuscola auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$882	$147
One Med/PIP claim	$887	$151
Not-at-fault accident	$936	$156
One comp claim	$957	$163
Two Med/PIP claims	$957	$159
Failure to wear a seat belt	$1026	$175
Driving without lights	$1037	$173
Child safety restraint	$1042	$177
Two comp claims	$1042	$174
Failure to show documents	$1058	$180
Speeding 6 - 10 MPH over limit	$1080	$180
Driving with expired registration	$1085	$185
Speeding 11 - 15 MPH over limit	$1107	$185
Driving too slowly	$1112	$189
Failure to yield	$1112	$185
Illegal turn	$1112	$189
At-fault accident - less than $1000	$1122	$187
Failure to stop at a red light	$1122	$191
Following too closely	$1122	$187
Speeding 16 - 20 MPH over limit	$1128	$192
Speeding in school zone	$1128	$188
Improper passing	$1133	$193
Wrong way/wrong lane	$1133	$189
Cell phone violation	$1155	$196
Texting while driving	$1155	$193
Passing school bus	$1166	$198
In 65 MPH zone	$1171	$195
Speeding 21 - 25 MPH over limit	$1182	$201
Operating a vehicle without permission	$1203	$201
At-fault accident - $1000-$2000	$1278	$217
At-fault accident - greater than $2000	$1299	$217
Open container	$1342	$229
Reckless driving	$1556	$259
Racing	$1571	$267
Driving with a suspended license	$1604	$267
Refusal to submit to a chemical test	$1615	$275
DUI	$1620	$270
Leaving scene of an accident/hit and run	$1636	$278

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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 Tuscola 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 Tuscola.

The cheapest car insurance premiums in Tuscola are offered by Mercury at $203 for a six-month policy. However, it can be as expensive as $2293 with companies like Farmers.

Tuscola car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$203	$34
American Family	$214	$36
Travelers	$572	$96
Progressive	$689	$116
Erie	$824	$139
Country Financial	$957	$161
USAA	$1315	$221
State Farm	$1353	$228
Auto-Owners	$1427	$243
Allstate	$2267	$382
Farmers	$2293	$390

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 Tuscola are offered by Westfield at $171. However, it can be as expensive as $4202 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Tuscola after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
Auto-Owners Insurance Co	$193	$32
Mercury	$209	$35
American Family	$214	$36
Hanover	$257	$43
Erie	$535	$90
Country Financial	$642	$108
Travelers	$813	$135
Auto-Owners	$824	$140
State Farm	$1031	$172
USAA	$1139	$194
Progressive	$1166	$194
Allstate	$2427	$413
Farmers	$4202	$700

Car Insurance Price Trends in Tuscola, Illinois

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

The average cost of full coverage in the Tuscola dipped by $152 in January compared to $174 of December. In other words, there has been an decrease by $22 when you compare January and December.

The average cost of liability insurance in the Tuscola dipped to $46 in January, compared to $48 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Tuscola?

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

What is the cheapest car insurance in Tuscola?

The cheapest car insurance in Tuscola is $55 per month for full coverage.

How much is car insurance in Tuscola for teenagers?

Car insurance for teenagers costs $171 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 Tuscola?

The average cost of car insurance is $871 for a six-month policy. It will cost around $131 per month to insure your car in Tuscola.

Is car insurance expensive in Tuscola?

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

Cheapest Car Insurance Quotes in Tuscola

Why you can trust Way?

How Much Is Car Insurance in Tuscola

Avg. Car Insurance in Tuscola

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Tuscola

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Tuscola Car Insurance Rates by Company

Cheap Car Insurance Companies in Tuscola, IL

Way's key takeaways about car insurance in Tuscola

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tuscola

Cheapest Liability Coverage in Tuscola, IL

Cheapest Full Coverage Car Insurance in Tuscola

Cheapest Full Coverage Car Insurance Quotes in Tuscola, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tuscola by Rating Factor

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

Car Insurance Premiums by Age in Tuscola

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tuscola,IL

If you are in your twenties N/A is the best choice for car insurance in Tuscola.

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 Tuscola

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

Tuscola Car Insurance Rates by Violation

Tuscola auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tuscola after a DUI

Tuscola car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tuscola after Speeding ticket

Car Insurance Price Trends in Tuscola, Illinois

Average Car Insurance Cost in Tuscola by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tuscola, IL

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

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Data Sources