Cheapest Car Insurance Quotes in Waukegan

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Waukegan Car Insurance

^$ 27

/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 Waukegan

The car insurance rate in Waukegan is $921 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, making it a popular choice for budget-conscious drivers. Rates in Waukegan 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 Waukegan

$921

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Waukegan

1st place: AutoOwners Insurance Co

At $473 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 $535 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 $561 for six months, making it the third cheapest auto insurance company in Waukegan.

Waukegan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waukegan, IL is AutoOwners Insurance Co, offering policies at just $473 for a six-month term. This is followed by Westfield, which has an average six-month premium of $535.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $856 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waukegan drivers find the best deals.

Cheap Car Insurance Companies in Waukegan, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$473	$81
Westfield	$535	$89
Country Financial	$561	$94
Travelers	$668	$112
American Family	$775	$130
Erie	$812	$136
USAA	$957	$161
State Farm	$964	$162
Progressive	$1058	$178
Auto-Owners	$1114	$186
Allstate	$1600	$269
Farmers	$1600	$269
Hanover	$995	$165
Mercury	$850	$142
Hastings Mutual	$856	$145

Key Takeaways

Way's key takeaways about car insurance in Waukegan

The auto insurance costs in Waukegan fall around $473 for six months.
The cheapest auto insurance company in Waukegan is Mercury.
Teen drivers pay the highest rate in Waukegan at $61 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 Waukegan

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 Waukegan are given below.

Mercury provides the cheapest minimum car insurance coverage in Waukegan. Their Average 6 Month Premium is $158. First Chicago is the most expensive at $208 for the same period.

Cheapest Liability Coverage in Waukegan, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$158	$27
Westfield	$170	$29
Auto-Owners Insurance Co	$201	$34
Country Financial	$214	$36
Erie	$264	$45
Auto-Owners	$289	$49
Travelers	$289	$49
American Family	$334	$56
State Farm	$334	$56
USAA	$353	$59
Progressive	$409	$69
Allstate	$642	$108
Farmers	$788	$134
Hanover	$189	$32
AAA	$270	$46
First Chicago	$208	$35

Cheapest Full Coverage Car Insurance in Waukegan

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 Waukegan is AutoOwners Insurance Co at $81 per month and $473 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waukegan, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$473	$81
Westfield	$535	$89
Country Financial	$561	$94
Travelers	$668	$112
American Family	$775	$130
Erie	$812	$136
USAA	$957	$161
State Farm	$964	$162
Progressive	$1058	$178
Auto-Owners	$1114	$186
Allstate	$1600	$269
Farmers	$1600	$269
Hanover	$995	$165
Mercury	$850	$142
Hastings Mutual	$856	$145

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Average Car Insurance in Waukegan 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 Waukegan, IL increasing?

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

Car Insurance Premiums by Age in Waukegan

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	$749
30s	Auto-Owners	$518
40s	Auto-Owners	$509
50s	Auto-Owners	$480
60s	Auto-Owners	$505
70s	Auto-Owners	$640

Cheapest Car Insurance Rates for Teen Drivers in Waukegan,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Waukegan at $34 per month. At $359 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$201	$34
Mercury	$233	$39
Auto-Owners Insurance Co	$252	$42
Country Financial	$856	$144
Erie	$1052	$177
Travelers	$1114	$188
USAA	$1940	$326
American Family	$2324	$391
State Farm	$3343	$563
Progressive	$3350	$564
Allstate	$3891	$655
Farmers	$3960	$667
AAA	$359	$61

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 Waukegan.

As young drivers face the highest rates in Waukegan, AutoOwners offers the cheapest auto insurance rates at $749 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 Waukegan, Mercury is the cheapest car insurance provider. At $240 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 Waukegan is State Farm, offering rates of around $3293 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$240	$40
Westfield	$315	$54
Hanover	$422	$70
Country Financial	$630	$106
Travelers	$699	$118
Progressive	$1001	$169
American Family	$1227	$207
USAA	$1630	$278
Allstate	$2677	$446
Farmers	$3079	$524
State Farm	$3293	$549

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Waukegan.

Car Insurance Rates with An Accident in Waukegan

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

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

The cheapest car insurance companies after an at-fault accident in Waukegan include AutoOwners Insurance Co and Westfield, offering $264 and $270, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $315.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$264	$45
Westfield	$270	$46
Mercury	$347	$57
Travelers	$604	$102
Erie	$611	$103
Country Financial	$617	$104
State Farm	$913	$154
USAA	$938	$158
American Family	$1052	$177
Progressive	$1518	$255
Farmers	$1675	$282
Allstate	$2777	$467
AAA	$447	$76
First Chicago	$289	$49
Hastings Mutual	$315	$54

Waukegan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waukegan IL. For example, the car insurance in Waukegan after a DUI increases to $869 for a six month policy. While the rate increases by $233 for a six-month policy in the case of a speeding ticket.

Waukegan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1039	$173
One Med/PIP claim	$1045	$178
Not-at-fault accident	$1102	$183
One comp claim	$1127	$192
Two Med/PIP claims	$1127	$188
Failure to wear a seat belt	$1208	$206
Driving without lights	$1221	$204
Child safety restraint	$1227	$209
Two comp claims	$1227	$205
Failure to show documents	$1247	$212
Speeding 6 - 10 MPH over limit	$1272	$212
Driving with expired registration	$1278	$217
Speeding 11 - 15 MPH over limit	$1304	$217
Driving too slowly	$1310	$223
Failure to yield	$1310	$218
Illegal turn	$1310	$223
At-fault accident - less than $1000	$1322	$220
Failure to stop at a red light	$1322	$225
Following too closely	$1322	$220
Speeding 16 - 20 MPH over limit	$1328	$226
Speeding in school zone	$1328	$222
Improper passing	$1335	$227
Wrong way/wrong lane	$1335	$223
Cell phone violation	$1360	$231
Texting while driving	$1360	$227
Passing school bus	$1373	$233
In 65 MPH zone	$1379	$230
Speeding 21 - 25 MPH over limit	$1392	$236
Operating a vehicle without permission	$1417	$236
At-fault accident - $1000-$2000	$1505	$255
At-fault accident - greater than $2000	$1530	$255
Open container	$1580	$269
Reckless driving	$1833	$305
Racing	$1851	$315
Driving with a suspended license	$1889	$315
Refusal to submit to a chemical test	$1902	$323
DUI	$1908	$318
Leaving scene of an accident/hit and run	$1927	$328

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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 Waukegan 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 Waukegan.

The cheapest car insurance premiums in Waukegan are offered by Mercury at $240 for a six-month policy. However, it can be as expensive as $2701 with companies like Farmers.

Waukegan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$240	$40
Travelers	$642	$108
Erie	$743	$125
Progressive	$775	$130
Country Financial	$976	$164
American Family	$1190	$200
State Farm	$1291	$217
USAA	$1512	$254
Allstate	$2373	$400
Farmers	$2701	$459

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 Waukegan are offered by Westfield at $201. However, it can be as expensive as $4949 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Waukegan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$201	$34
Auto-Owners Insurance Co	$227	$38
Mercury	$246	$41
Erie	$264	$45
Hanover	$302	$51
Country Financial	$636	$107
USAA	$825	$138
State Farm	$1127	$192
Travelers	$1278	$213
Progressive	$1322	$225
American Family	$1467	$247
Allstate	$4206	$716
Farmers	$4949	$825

Car Insurance Price Trends in Waukegan, Illinois

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

The average cost of full coverage in the Waukegan rose by $205 in December compared to $202 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 Waukegan rose to $56 in December, compared to $54 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 Waukegan?

The car insurance in Waukegan is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Waukegan?

The cheapest car insurance in Waukegan is $81 per month for full coverage.

How much is car insurance in Waukegan for teenagers?

Car insurance for teenagers costs $201 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 Waukegan?

The average cost of car insurance is $869 for a six-month policy. It will cost around $154 per month to insure your car in Waukegan.

Is car insurance expensive in Waukegan?

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

Cheapest Car Insurance Quotes in Waukegan

Why you can trust Way?

How Much Is Car Insurance in Waukegan

Avg. Car Insurance in Waukegan

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Waukegan

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Waukegan Car Insurance Rates by Company

Cheap Car Insurance Companies in Waukegan, IL

Way's key takeaways about car insurance in Waukegan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Waukegan

Cheapest Liability Coverage in Waukegan, IL

Cheapest Full Coverage Car Insurance in Waukegan

Cheapest Full Coverage Car Insurance Quotes in Waukegan, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Waukegan by Rating Factor

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

Car Insurance Premiums by Age in Waukegan

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Waukegan,IL

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

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 Waukegan

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

Waukegan Car Insurance Rates by Violation

Waukegan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Waukegan after a DUI

Waukegan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Waukegan after Speeding ticket

Car Insurance Price Trends in Waukegan, Illinois

Average Car Insurance Cost in Waukegan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Waukegan, IL

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

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