Cheapest Car Insurance Quotes in Merrillan

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Merrillan 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 Merrillan

The car insurance rate in Merrillan is $842 for a six-month policy, which is $97 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $315, making it a popular choice for budget-conscious drivers. Rates in Merrillan 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 Merrillan

$842

Avg. Car Insurance in Wisconsin

$745

National Average

$1278

Cheapest Car Insurance Companies in Merrillan

1st place: AAA

At $315 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $470 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $516 for six months, making it the third cheapest auto insurance company in Merrillan.

Merrillan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merrillan, WI is AAA, offering policies at just $315 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $470.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $859 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merrillan drivers find the best deals.

Cheap Car Insurance Companies in Merrillan, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$315	$53
West Bend Mutual	$470	$78
IMT Insurance Company	$516	$88
Auto-Owners Insurance Co	$523	$87
Chubb	$537	$92
Travelers	$598	$101
American Family	$605	$102
Erie	$738	$124
USAA	$785	$132
Acuity	$806	$136
Rockford Mutual	$852	$145
Nationwide	$920	$155
Rural Mutual	$947	$160
Auto-Owners	$1074	$179
West Bend	$1087	$185
State Farm	$1148	$193
Farmers	$1181	$201
Allstate	$1416	$238
Progressive	$1591	$268
Secura	$725	$121
Hastings Mutual	$859	$146

Key Takeaways

Way's key takeaways about car insurance in Merrillan

The auto insurance costs in Merrillan fall around $315 for six months.
The cheapest auto insurance company in Merrillan is AAA.
Teen drivers pay the highest rate in Merrillan at $732 per month.

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Cheapest Minimum Liability Car Insurance in Merrillan

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 Merrillan are given below.

AAA provides the cheapest minimum car insurance coverage in Merrillan. Their Average 6 Month Premium is $134. Secura is the most expensive at $181 for the same period.

Cheapest Liability Coverage in Merrillan, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$134	$23
Rural Mutual	$148	$25
Western National	$162	$27
Erie	$181	$31
USAA	$188	$32
West Bend Mutual	$201	$34
Auto-Owners Insurance Co	$208	$35
Travelers	$221	$37
Acuity	$228	$38
American Family	$228	$38
Chubb	$235	$40
Auto-Owners	$255	$43
Progressive	$269	$45
State Farm	$281	$47
West Bend	$315	$53
Farmers	$395	$68
Allstate	$516	$87
Secura	$181	$31

Cheapest Full Coverage Car Insurance in Merrillan

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 Merrillan is AAA at $53 per month and $315 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merrillan, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$315	$53
West Bend Mutual	$470	$78
IMT Insurance Company	$516	$88
Auto-Owners Insurance Co	$523	$87
Chubb	$537	$92
Travelers	$598	$101
American Family	$605	$102
Erie	$738	$124
USAA	$785	$132
Acuity	$806	$136
Rockford Mutual	$852	$145
Nationwide	$920	$155
Rural Mutual	$947	$160
Auto-Owners	$1074	$179
West Bend	$1087	$185
State Farm	$1148	$193
Farmers	$1181	$201
Allstate	$1416	$238
Progressive	$1591	$268
Secura	$725	$121
Hastings Mutual	$859	$146

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Average Car Insurance in Merrillan 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 Merrillan, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Merrillan, Wisconsin, may be increasing due to several external factors. Wisconsin has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Merrillan's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Merrillan

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	USAA	$558
30s	USAA	$449
40s	USAA	$407
50s	USAA	$386
60s	USAA	$401
70s	USAA	$495

Cheapest Car Insurance Rates for Teen Drivers in Merrillan,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Merrillan at $37 per month. At $4349 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$221	$37
Travelers	$228	$38
Auto-Owners Insurance Co	$262	$44
Western National	$262	$44
West Bend Mutual	$295	$50
Erie	$1101	$185
USAA	$1162	$195
American Family	$1255	$211
West Bend	$2061	$350
State Farm	$2511	$423
Auto-Owners	$2578	$438
Acuity	$2779	$468
Allstate	$4135	$696
Farmers	$4329	$722
Progressive	$4349	$732

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Merrillan.

As young drivers face the highest rates in Merrillan, USAA offers the cheapest auto insurance rates at $558 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 Merrillan, Western National is the cheapest car insurance provider. At $168 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 Merrillan is AutoOwners, offering rates of around $3940 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$168	$28
AAA	$188	$32
West Bend Mutual	$242	$41
Chubb	$269	$45
IMT Insurance Company	$269	$45
Travelers	$315	$53
American Family	$812	$137
Acuity	$1007	$169
Erie	$1080	$182
State Farm	$1222	$203
USAA	$1376	$234
West Bend	$1591	$266
Progressive	$1819	$306
Allstate	$2235	$373
Auto-Owners	$3940	$670

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

Car Insurance Rates with An Accident in Merrillan

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 Merrillan, WI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Merrillan include Western National and Rural Mutual, offering $168 and $194, respectively. Progressive is an expensive provider with an average six-month premium of $2658.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$168	$28
Rural Mutual	$194	$33
Auto-Owners Insurance Co	$255	$43
AAA	$262	$44
Chubb	$269	$45
Travelers	$269	$45
West Bend Mutual	$336	$56
West Bend	$571	$96
Erie	$598	$101
USAA	$685	$115
Auto-Owners	$779	$131
American Family	$845	$142
State Farm	$1014	$171
Acuity	$1235	$208
Farmers	$1624	$271
Allstate	$2121	$357
Progressive	$2658	$447

Merrillan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merrillan WI. For example, the car insurance in Merrillan after a DUI increases to $893 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

Merrillan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$959	$160
One Med/PIP claim	$966	$164
Not-at-fault accident	$1007	$168
One comp claim	$1020	$174
Two Med/PIP claims	$1034	$172
Failure to show documents	$1048	$179
Driving with expired registration	$1074	$179
Failure to wear a seat belt	$1080	$184
Two comp claims	$1101	$183
Driving without lights	$1141	$194
Child safety restraint	$1148	$191
Speeding 6 - 10 MPH over limit	$1155	$197
At-fault accident - less than $1000	$1168	$194
Cell phone violation	$1175	$200
Driving too slowly	$1181	$197
Failure to yield	$1181	$201
Speeding in school zone	$1181	$197
Illegal turn	$1188	$202
Speeding 11 - 15 MPH over limit	$1188	$198
Speeding 16 - 20 MPH over limit	$1188	$202
Texting while driving	$1188	$198
Wrong way/wrong lane	$1188	$202
Failure to stop at a red light	$1201	$200
Following too closely	$1201	$205
Improper passing	$1235	$206
Passing school bus	$1255	$214
In 65 MPH zone	$1322	$220
At-fault accident - $1000-$2000	$1376	$234
Speeding 21 - 25 MPH over limit	$1376	$229
Operating a vehicle without permission	$1383	$235
At-fault accident - greater than $2000	$1390	$232
Open container	$1402	$238
Reckless driving	$1813	$302
Racing	$1819	$310
Refusal to submit to a chemical test	$1833	$305
Driving with a suspended license	$1840	$313
Leaving scene of an accident/hit and run	$1846	$307
DUI	$1852	$315

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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 Merrillan 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 Merrillan.

The cheapest car insurance premiums in Merrillan are offered by Western National at $168 for a six-month policy. However, it can be as expensive as $2470 with companies like Acuity.

Merrillan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$168	$28
Chubb	$269	$45
Travelers	$315	$53
Kemper	$383	$63
West Bend	$785	$132
Erie	$833	$140
American Family	$866	$146
USAA	$899	$151
State Farm	$1315	$221
Progressive	$1457	$245
Farmers	$1564	$266
Allstate	$1698	$286
Auto-Owners	$1765	$301
Acuity	$2470	$411

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 Merrillan are offered by Western National at $168. However, it can be as expensive as $1726 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Merrillan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$168	$28
AAA	$215	$36
Auto-Owners Insurance Co	$235	$40
Travelers	$262	$44
Chubb	$269	$45
West Bend Mutual	$308	$52
Erie	$571	$96
American Family	$598	$101
State Farm	$772	$130
USAA	$819	$139
Acuity	$986	$166
Auto-Owners	$1074	$183
West Bend	$1228	$205
Allstate	$1631	$277
Progressive	$1726	$290

Car Insurance Price Trends in Merrillan, Wisconsin

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

The average cost of full coverage in the Merrillan rose by $177 in January compared to $141 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Merrillan rose to $40 in January, compared to $38 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Merrillan?

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

What is the cheapest car insurance in Merrillan?

The cheapest car insurance in Merrillan is $53 per month for full coverage.

How much is car insurance in Merrillan for teenagers?

Car insurance for teenagers costs $221 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 Merrillan?

The average cost of car insurance is $745 for a six-month policy. It will cost around $141 per month to insure your car in Merrillan.

Is car insurance expensive in Merrillan?

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

Cheapest Car Insurance Quotes in Merrillan

Why you can trust Way?

How Much Is Car Insurance in Merrillan

Avg. Car Insurance in Merrillan

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Merrillan

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Merrillan Car Insurance Rates by Company

Cheap Car Insurance Companies in Merrillan, WI

Way's key takeaways about car insurance in Merrillan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Merrillan

Cheapest Liability Coverage in Merrillan, WI

Cheapest Full Coverage Car Insurance in Merrillan

Cheapest Full Coverage Car Insurance Quotes in Merrillan, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Merrillan by Rating Factor

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

Car Insurance Premiums by Age in Merrillan

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Merrillan,WI

If you are in your twenties USAA is the best choice for car insurance in Merrillan.

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 Merrillan

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

Merrillan Car Insurance Rates by Violation

Merrillan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Merrillan after a DUI

Merrillan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Merrillan after Speeding ticket

Car Insurance Price Trends in Merrillan, Wisconsin

Average Car Insurance Cost in Merrillan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Merrillan, WI

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

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