Cheapest Car Insurance Quotes in Wayne City

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Wayne City Car Insurance

^$ 28

/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 Wayne City

The car insurance rate in Wayne City 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 Wayne City 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 Wayne City

$958

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Wayne City

1st place: American Family

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 Wayne City.

Wayne City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wayne City, 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 Wayne City drivers find the best deals.

Cheap Car Insurance Companies in Wayne City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$392	$67
Auto-Owners Insurance Co	$491	$81
Westfield	$556	$95
Travelers	$712	$120
Country Financial	$758	$128
Erie	$882	$149
USAA	$1052	$177
Auto-Owners	$1085	$183
Progressive	$1111	$187
State Farm	$1196	$201
Farmers	$1313	$223
Allstate	$1889	$318
Hanover	$1033	$172

Key Takeaways

Way's key takeaways about car insurance in Wayne City

The auto insurance costs in Wayne City fall around $392 for six months.
The cheapest auto insurance company in Wayne City is Mercury.
Teen drivers pay the highest rate in Wayne City at $64 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Wayne City

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 Wayne City are given below.

Mercury provides the cheapest minimum car insurance coverage in Wayne City. Their Average 6 Month Premium is $164. AAA is the most expensive at $281 for the same period.

Cheapest Liability Coverage in Wayne City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$164	$28
Westfield	$176	$30
Auto-Owners Insurance Co	$209	$35
American Family	$222	$37
Erie	$274	$46
Travelers	$300	$51
Auto-Owners	$307	$52
Country Financial	$307	$52
USAA	$380	$64
State Farm	$405	$68
Progressive	$425	$72
Allstate	$627	$106
Farmers	$817	$139
Hanover	$196	$33
AAA	$281	$47

Cheapest Full Coverage Car Insurance in Wayne City

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 Wayne City is American Family at $67 per month and $392 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wayne City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$392	$67
Auto-Owners Insurance Co	$491	$81
Westfield	$556	$95
Travelers	$712	$120
Country Financial	$758	$128
Erie	$882	$149
USAA	$1052	$177
Auto-Owners	$1085	$183
Progressive	$1111	$187
State Farm	$1196	$201
Farmers	$1313	$223
Allstate	$1889	$318
Hanover	$1033	$172

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Average Car Insurance in Wayne City 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 Wayne City, IL increasing?

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

Car Insurance Premiums by Age in Wayne City

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 Wayne City,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Wayne City at $35 per month. At $373 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$209	$35
American Family	$242	$41
Mercury	$242	$41
Auto-Owners Insurance Co	$262	$44
Farmers	$425	$70
Country Financial	$1189	$200
Travelers	$1242	$209
Erie	$1411	$238
USAA	$2143	$361
Auto-Owners	$2340	$398
Progressive	$3293	$554
State Farm	$4071	$685
Allstate	$4443	$748
AAA	$373	$64

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 Wayne City, 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 Wayne City is Farmers, offering rates of around $3196 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$249	$42
Westfield	$327	$55
American Family	$411	$70
Hanover	$438	$73
Travelers	$784	$132
Country Financial	$882	$149
Progressive	$1091	$184
USAA	$1934	$322
Erie	$2104	$358
Auto-Owners	$2993	$498
Allstate	$3424	$582
State Farm	$5110	$851
Farmers	$3196	$543

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

Car Insurance Rates with An Accident in Wayne City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wayne City

The cheapest car insurance companies after an at-fault accident in Wayne City 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$262	$44
Auto-Owners Insurance Co	$274	$46
Westfield	$281	$47
Mercury	$360	$62
Farmers	$536	$89
Travelers	$660	$111
Erie	$817	$138
Country Financial	$869	$146
State Farm	$1098	$185
USAA	$1176	$198
Auto-Owners	$1229	$205
Progressive	$1660	$279
Allstate	$3221	$542
AAA	$464	$79

Wayne City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wayne City IL. For example, the car insurance in Wayne City 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.

Wayne City 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 Wayne City 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 Wayne City.

The cheapest car insurance premiums in Wayne City are offered by Mercury at $249 for a six-month policy. However, it can be as expensive as $2803 with companies like Farmers.

Wayne City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$249	$42
American Family	$262	$44
Travelers	$700	$118
Progressive	$843	$142
Erie	$1007	$169
Country Financial	$1169	$197
USAA	$1607	$271
State Farm	$1653	$278
Auto-Owners	$1745	$297
Allstate	$2771	$466
Farmers	$2803	$476

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 Wayne City 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 Wayne City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$209	$35
Auto-Owners Insurance Co	$235	$40
Mercury	$255	$43
American Family	$262	$44
Hanover	$314	$53
Erie	$653	$110
Country Financial	$784	$132
Travelers	$993	$165
Auto-Owners	$1007	$172
State Farm	$1261	$210
USAA	$1392	$237
Progressive	$1425	$238
Allstate	$2967	$505
Farmers	$5136	$856

Car Insurance Price Trends in Wayne City, Illinois

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

The average cost of full coverage in the Wayne City 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 Wayne City dipped to $56 in January, compared to $58 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 Wayne City?

The car insurance in Wayne City is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Wayne City?

The cheapest car insurance in Wayne City is $67 per month for full coverage.

How much is car insurance in Wayne City 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 Wayne City?

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 Wayne City.

Is car insurance expensive in Wayne City?

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

Cheapest Car Insurance Quotes in Wayne City

Why you can trust Way?

How Much Is Car Insurance in Wayne City

Avg. Car Insurance in Wayne City

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Wayne City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Wayne City Car Insurance Rates by Company

Cheap Car Insurance Companies in Wayne City, IL

Way's key takeaways about car insurance in Wayne City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wayne City

Cheapest Liability Coverage in Wayne City, IL

Cheapest Full Coverage Car Insurance in Wayne City

Cheapest Full Coverage Car Insurance Quotes in Wayne City, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wayne City by Rating Factor

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

Car Insurance Premiums by Age in Wayne City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wayne City,IL

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

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 Wayne City

Cheapest Car Insurance Companies after an At-Fault Accident in Wayne City

Wayne City Car Insurance Rates by Violation

Wayne City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wayne City after a DUI

Wayne City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wayne City after Speeding ticket

Car Insurance Price Trends in Wayne City, Illinois

Average Car Insurance Cost in Wayne City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wayne City, IL

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

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