Cheapest Car Insurance Quotes in Wilmette

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Wilmette 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 Wilmette

The car insurance rate in Wilmette is $973 for a six-month policy, which is $104 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $500, making it a popular choice for budget-conscious drivers. Rates in Wilmette 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 Wilmette

$973

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Wilmette

1st place: AutoOwners Insurance Co

At $500 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 $566 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 $592 for six months, making it the third cheapest auto insurance company in Wilmette.

Wilmette Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wilmette, IL is AutoOwners Insurance Co, offering policies at just $500 for a six-month term. This is followed by Westfield, which has an average six-month premium of $566.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $905 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wilmette drivers find the best deals.

Cheap Car Insurance Companies in Wilmette, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$85
Westfield	$566	$94
Country Financial	$592	$100
Travelers	$706	$119
American Family	$819	$138
Erie	$858	$143
USAA	$1011	$170
State Farm	$1018	$171
Progressive	$1118	$188
Auto-Owners	$1177	$196
Allstate	$1690	$284
Farmers	$1690	$284
Hanover	$1052	$175
Mercury	$898	$150
Hastings Mutual	$905	$153

Key Takeaways

Way's key takeaways about car insurance in Wilmette

The auto insurance costs in Wilmette fall around $500 for six months.
The cheapest auto insurance company in Wilmette is Mercury.
Teen drivers pay the highest rate in Wilmette at $65 per month.

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Cheapest Minimum Liability Car Insurance in Wilmette

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 Wilmette are given below.

Mercury provides the cheapest minimum car insurance coverage in Wilmette. Their Average 6 Month Premium is $167. First Chicago is the most expensive at $220 for the same period.

Cheapest Liability Coverage in Wilmette, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$167	$28
Westfield	$179	$30
Auto-Owners Insurance Co	$213	$36
Country Financial	$226	$38
Erie	$279	$47
Auto-Owners	$306	$52
Travelers	$306	$52
American Family	$353	$59
State Farm	$353	$59
USAA	$373	$63
Progressive	$432	$73
Allstate	$679	$114
Farmers	$832	$141
Hanover	$199	$34
AAA	$286	$48
First Chicago	$220	$37

Cheapest Full Coverage Car Insurance in Wilmette

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 Wilmette is AutoOwners Insurance Co at $85 per month and $500 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wilmette, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$85
Westfield	$566	$94
Country Financial	$592	$100
Travelers	$706	$119
American Family	$819	$138
Erie	$858	$143
USAA	$1011	$170
State Farm	$1018	$171
Progressive	$1118	$188
Auto-Owners	$1177	$196
Allstate	$1690	$284
Farmers	$1690	$284
Hanover	$1052	$175
Mercury	$898	$150
Hastings Mutual	$905	$153

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Average Car Insurance in Wilmette 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 Wilmette, IL increasing?

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

Car Insurance Premiums by Age in Wilmette

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	$792
30s	Auto-Owners	$548
40s	Auto-Owners	$538
50s	Auto-Owners	$507
60s	Auto-Owners	$533
70s	Auto-Owners	$676

Cheapest Car Insurance Rates for Teen Drivers in Wilmette,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Wilmette at $36 per month. At $380 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$213	$36
Mercury	$246	$41
Auto-Owners Insurance Co	$267	$45
Country Financial	$905	$152
Erie	$1111	$187
Travelers	$1177	$198
USAA	$2050	$345
American Family	$2455	$413
State Farm	$3532	$595
Progressive	$3539	$596
Allstate	$4112	$692
Farmers	$4184	$704
AAA	$380	$65

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 Wilmette.

As young drivers face the highest rates in Wilmette, AutoOwners offers the cheapest auto insurance rates at $792 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 Wilmette, Mercury is the cheapest car insurance provider. At $253 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 Wilmette is State Farm, offering rates of around $3480 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$253	$43
Westfield	$333	$57
Hanover	$446	$74
Country Financial	$665	$112
Travelers	$738	$124
Progressive	$1057	$178
American Family	$1297	$218
USAA	$1723	$293
Allstate	$2828	$472
Farmers	$3254	$553
State Farm	$3480	$580

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Car Insurance Rates with An Accident in Wilmette

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

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

The cheapest car insurance companies after an at-fault accident in Wilmette include AutoOwners Insurance Co and Westfield, offering $279 and $286, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $333.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$279	$47
Westfield	$286	$48
Mercury	$366	$60
Travelers	$638	$108
Erie	$645	$109
Country Financial	$652	$110
State Farm	$964	$162
USAA	$991	$167
American Family	$1111	$187
Progressive	$1604	$270
Farmers	$1770	$298
Allstate	$2934	$494
AAA	$473	$81
First Chicago	$306	$52
Hastings Mutual	$333	$57

Wilmette Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wilmette IL. For example, the car insurance in Wilmette after a DUI increases to $918 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Wilmette auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1098	$183
One Med/PIP claim	$1104	$188
Not-at-fault accident	$1165	$194
One comp claim	$1191	$203
Two Med/PIP claims	$1191	$198
Failure to wear a seat belt	$1277	$217
Driving without lights	$1290	$215
Child safety restraint	$1297	$221
Two comp claims	$1297	$216
Failure to show documents	$1317	$224
Speeding 6 - 10 MPH over limit	$1344	$224
Driving with expired registration	$1351	$230
Speeding 11 - 15 MPH over limit	$1378	$230
Driving too slowly	$1384	$235
Failure to yield	$1384	$231
Illegal turn	$1384	$235
At-fault accident - less than $1000	$1397	$233
Failure to stop at a red light	$1397	$237
Following too closely	$1397	$233
Speeding 16 - 20 MPH over limit	$1403	$239
Speeding in school zone	$1403	$234
Improper passing	$1410	$240
Wrong way/wrong lane	$1410	$235
Cell phone violation	$1437	$244
Texting while driving	$1437	$240
Passing school bus	$1450	$246
In 65 MPH zone	$1457	$243
Speeding 21 - 25 MPH over limit	$1471	$250
Operating a vehicle without permission	$1497	$250
At-fault accident - $1000-$2000	$1590	$270
At-fault accident - greater than $2000	$1616	$270
Open container	$1670	$284
Reckless driving	$1936	$323
Racing	$1956	$333
Driving with a suspended license	$1996	$333
Refusal to submit to a chemical test	$2009	$342
DUI	$2016	$336
Leaving scene of an accident/hit and run	$2036	$346

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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 Wilmette 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 Wilmette.

The cheapest car insurance premiums in Wilmette are offered by Mercury at $253 for a six-month policy. However, it can be as expensive as $2854 with companies like Farmers.

Wilmette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$253	$43
Travelers	$679	$114
Erie	$785	$132
Progressive	$819	$138
Country Financial	$1032	$174
American Family	$1258	$212
State Farm	$1364	$230
USAA	$1597	$269
Allstate	$2508	$422
Farmers	$2854	$485

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 Wilmette are offered by Westfield at $213. However, it can be as expensive as $5229 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wilmette after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$213	$36
Auto-Owners Insurance Co	$240	$40
Mercury	$260	$44
Erie	$279	$47
Hanover	$319	$54
Country Financial	$672	$113
USAA	$871	$146
State Farm	$1191	$203
Travelers	$1351	$225
Progressive	$1397	$237
American Family	$1550	$261
Allstate	$4444	$756
Farmers	$5229	$871

Car Insurance Price Trends in Wilmette, Illinois

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

The average cost of full coverage in the Wilmette rose by $216 in December compared to $214 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 Wilmette rose to $59 in December, compared to $57 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 Wilmette?

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

What is the cheapest car insurance in Wilmette?

The cheapest car insurance in Wilmette is $85 per month for full coverage.

How much is car insurance in Wilmette for teenagers?

Car insurance for teenagers costs $213 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 Wilmette?

The average cost of car insurance is $869 for a six-month policy. It will cost around $162 per month to insure your car in Wilmette.

Is car insurance expensive in Wilmette?

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

Cheapest Car Insurance Quotes in Wilmette

Why you can trust Way?

How Much Is Car Insurance in Wilmette

Avg. Car Insurance in Wilmette

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Wilmette

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Wilmette Car Insurance Rates by Company

Cheap Car Insurance Companies in Wilmette, IL

Way's key takeaways about car insurance in Wilmette

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wilmette

Cheapest Liability Coverage in Wilmette, IL

Cheapest Full Coverage Car Insurance in Wilmette

Cheapest Full Coverage Car Insurance Quotes in Wilmette, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wilmette by Rating Factor

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

Car Insurance Premiums by Age in Wilmette

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wilmette,IL

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

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 Wilmette

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

Wilmette Car Insurance Rates by Violation

Wilmette auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wilmette after a DUI

Wilmette car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wilmette after Speeding ticket

Car Insurance Price Trends in Wilmette, Illinois

Average Car Insurance Cost in Wilmette by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wilmette, IL

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

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