Cheapest Car Insurance Quotes in West Salem

Finding the cheapest car insurance quotes in West Salem 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

West Salem Car Insurance

^$ 25

/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 West Salem

The car insurance rate in West Salem is $852 for a six-month policy, which is $17 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $437, making it a popular choice for budget-conscious drivers. Rates in West Salem 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 West Salem

$852

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in West Salem

1st place: AutoOwners Insurance Co

At $437 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 $495 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 $518 for six months, making it the third cheapest auto insurance company in West Salem.

West Salem Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Salem, IL is AutoOwners Insurance Co, offering policies at just $437 for a six-month term. This is followed by Westfield, which has an average six-month premium of $495.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $792 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Salem drivers find the best deals.

Cheap Car Insurance Companies in West Salem, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$437	$74
Westfield	$495	$82
Country Financial	$518	$87
Travelers	$617	$104
American Family	$716	$121
Erie	$751	$125
USAA	$885	$149
State Farm	$891	$150
Progressive	$978	$165
Auto-Owners	$1030	$172
Allstate	$1479	$249
Farmers	$1479	$249
Hanover	$920	$153
Mercury	$786	$131
Hastings Mutual	$792	$134

Key Takeaways

Way's key takeaways about car insurance in West Salem

The auto insurance costs in West Salem fall around $437 for six months.
The cheapest auto insurance company in West Salem is Mercury.
Teen drivers pay the highest rate in West Salem at $57 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 West Salem

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 West Salem are given below.

Mercury provides the cheapest minimum car insurance coverage in West Salem. Their Average 6 Month Premium is $146. First Chicago is the most expensive at $192 for the same period.

Cheapest Liability Coverage in West Salem, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$146	$25
Westfield	$157	$26
Auto-Owners Insurance Co	$186	$31
Country Financial	$198	$33
Erie	$244	$41
Auto-Owners	$268	$45
Travelers	$268	$45
American Family	$309	$52
State Farm	$309	$52
USAA	$326	$55
Progressive	$378	$64
Allstate	$594	$100
Farmers	$728	$123
Hanover	$174	$29
AAA	$250	$42
First Chicago	$192	$32

Cheapest Full Coverage Car Insurance in West Salem

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 West Salem is AutoOwners Insurance Co at $74 per month and $437 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Salem, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$437	$74
Westfield	$495	$82
Country Financial	$518	$87
Travelers	$617	$104
American Family	$716	$121
Erie	$751	$125
USAA	$885	$149
State Farm	$891	$150
Progressive	$978	$165
Auto-Owners	$1030	$172
Allstate	$1479	$249
Farmers	$1479	$249
Hanover	$920	$153
Mercury	$786	$131
Hastings Mutual	$792	$134

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in West Salem Instantly!

Average Car Insurance in West Salem 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 West Salem, IL increasing?

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

Car Insurance Premiums by Age in West Salem

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	$693
30s	Auto-Owners	$479
40s	Auto-Owners	$470
50s	Auto-Owners	$444
60s	Auto-Owners	$466
70s	Auto-Owners	$592

Cheapest Car Insurance Rates for Teen Drivers in West Salem,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the West Salem at $31 per month. At $332 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
Mercury	$216	$36
Auto-Owners Insurance Co	$233	$39
Country Financial	$792	$133
Erie	$972	$164
Travelers	$1030	$173
USAA	$1793	$302
American Family	$2148	$362
State Farm	$3091	$520
Progressive	$3097	$521
Allstate	$3598	$606
Farmers	$3661	$616
AAA	$332	$57

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 West Salem.

As young drivers face the highest rates in West Salem, AutoOwners offers the cheapest auto insurance rates at $693 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 West Salem, Mercury is the cheapest car insurance provider. At $221 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 West Salem is State Farm, offering rates of around $3045 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$221	$37
Westfield	$291	$50
Hanover	$390	$65
Country Financial	$582	$98
Travelers	$646	$109
Progressive	$925	$156
American Family	$1135	$191
USAA	$1507	$257
Allstate	$2475	$413
Farmers	$2847	$484
State Farm	$3045	$508

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in West Salem

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Salem

The cheapest car insurance companies after an at-fault accident in West Salem include AutoOwners Insurance Co and Westfield, offering $244 and $250, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $291.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Westfield	$250	$42
Mercury	$320	$53
Travelers	$559	$94
Erie	$564	$95
Country Financial	$570	$96
State Farm	$844	$142
USAA	$867	$146
American Family	$972	$164
Progressive	$1403	$236
Farmers	$1548	$261
Allstate	$2568	$432
AAA	$414	$71
First Chicago	$268	$45
Hastings Mutual	$291	$50

West Salem Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Salem IL. For example, the car insurance in West Salem after a DUI increases to $804 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

West Salem auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$960	$160
One Med/PIP claim	$966	$165
Not-at-fault accident	$1019	$170
One comp claim	$1042	$177
Two Med/PIP claims	$1042	$173
Failure to wear a seat belt	$1117	$190
Driving without lights	$1129	$188
Child safety restraint	$1135	$193
Two comp claims	$1135	$189
Failure to show documents	$1152	$196
Speeding 6 - 10 MPH over limit	$1176	$196
Driving with expired registration	$1182	$201
Speeding 11 - 15 MPH over limit	$1205	$201
Driving too slowly	$1211	$206
Failure to yield	$1211	$202
Illegal turn	$1211	$206
At-fault accident - less than $1000	$1222	$204
Failure to stop at a red light	$1222	$208
Following too closely	$1222	$204
Speeding 16 - 20 MPH over limit	$1228	$209
Speeding in school zone	$1228	$205
Improper passing	$1234	$210
Wrong way/wrong lane	$1234	$206
Cell phone violation	$1257	$214
Texting while driving	$1257	$210
Passing school bus	$1269	$216
In 65 MPH zone	$1275	$213
Speeding 21 - 25 MPH over limit	$1287	$219
Operating a vehicle without permission	$1310	$219
At-fault accident - $1000-$2000	$1392	$236
At-fault accident - greater than $2000	$1414	$236
Open container	$1461	$249
Reckless driving	$1694	$282
Racing	$1711	$291
Driving with a suspended license	$1746	$291
Refusal to submit to a chemical test	$1758	$299
DUI	$1764	$294
Leaving scene of an accident/hit and run	$1782	$303

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 West Salem 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 West Salem.

The cheapest car insurance premiums in West Salem are offered by Mercury at $221 for a six-month policy. However, it can be as expensive as $2497 with companies like Farmers.

West Salem car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$221	$37
Travelers	$594	$100
Erie	$687	$116
Progressive	$716	$121
Country Financial	$903	$152
American Family	$1101	$185
State Farm	$1194	$201
USAA	$1397	$235
Allstate	$2194	$369
Farmers	$2497	$424

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 West Salem are offered by Westfield at $186. However, it can be as expensive as $4576 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in West Salem after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
Auto-Owners Insurance Co	$210	$35
Mercury	$227	$38
Erie	$244	$41
Hanover	$279	$47
Country Financial	$588	$99
USAA	$762	$127
State Farm	$1042	$177
Travelers	$1182	$197
Progressive	$1222	$208
American Family	$1356	$228
Allstate	$3889	$662
Farmers	$4576	$762

Car Insurance Price Trends in West Salem, Illinois

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

The average cost of full coverage in the West Salem rose by $189 in December compared to $187 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the West Salem rose to $52 in December, compared to $50 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in West Salem?

The car insurance in West Salem is $25 per month, which is lower than the national average.

What is the cheapest car insurance in West Salem?

The cheapest car insurance in West Salem is $74 per month for full coverage.

How much is car insurance in West Salem for teenagers?

Car insurance for teenagers costs $186 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 West Salem?

The average cost of car insurance is $869 for a six-month policy. It will cost around $142 per month to insure your car in West Salem.

Is car insurance expensive in West Salem?

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

Cheapest Car Insurance Quotes in West Salem

Why you can trust Way?

How Much Is Car Insurance in West Salem

Avg. Car Insurance in West Salem

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in West Salem

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

West Salem Car Insurance Rates by Company

Cheap Car Insurance Companies in West Salem, IL

Way's key takeaways about car insurance in West Salem

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Salem

Cheapest Liability Coverage in West Salem, IL

Cheapest Full Coverage Car Insurance in West Salem

Cheapest Full Coverage Car Insurance Quotes in West Salem, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Salem by Rating Factor

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

Car Insurance Premiums by Age in West Salem

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Salem,IL

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

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 West Salem

Cheapest Car Insurance Companies after an At-Fault Accident in West Salem

West Salem Car Insurance Rates by Violation

West Salem auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Salem after a DUI

West Salem car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Salem after Speeding ticket

Car Insurance Price Trends in West Salem, Illinois

Average Car Insurance Cost in West Salem by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Salem, IL

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

Featured Blogs

Data Sources