Cheapest car insurance in Waukegan, Illinois (Nov 2024)

Illinois car insurance laws

, and Assurant held the biggest market shares in Illinois.

However, they didn’t necessarily earn the highest ratings. Because every car insurance provider calculates premiums differently, the best insurance policy varies from driver to driver.

You’ll have to compare quotes from at least three companies while shopping for auto insurance to find what works for you.

The table below shows how drivers in Waukegan rate different companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.4	3.9	4.1	4.4
Allstate	4.4	3.6	4.2	4.7
Liberty Mutual	4.2	4	N/A	4.2
State Farm	3.9	3.7	2.8	4.1
Geico	3.7	2.9	4.2	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Waukegan

require every driver—including those in Waukegan—to carry

liability car insurance

and

Uninsured Motorist/Underinsured Motorist (UM/UIM) bodily injury coverage

Liability insurance covers the costs of treating anyone you injure in an at-fault accident and repairing (or replacing) any property you damage. However, UM/UIM bodily injury coverage covers the medical expenses of you and your passengers if they exceed the at-fault driver’s coverage limits.

Cheap minimum liability insurance quotes in Waukegan

The minimum liability coverage requirements in Waukegan, Illinois, follow a 25/50/20 (plus 25/50) rule.

To put it simply, you'll need a policy that covers at least:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$20,000 of

property damage liability

coverage per accident

$25,000 of UM/UIM bodily injury coverage per person

$50,000 of UM/UIM bodily injury coverage per accident

By sticking with the minimum required liability coverage, you’ll probably pay the lowest rates. Jerry helps Waukegan drivers find low rates for no-frills coverage.

Lillie (28 years old)

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60085)

KIA Sorento S

$116

per month

Jayden (26 years old)

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60085)

Subaru Crosstrek Limited

$85

per month

Illinois’s car accident laws

Lois (26 years old)

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60087)

Ford Escape SE

$183

per month

Clearcover

Claudia (34 years old)

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60085)

Honda Civic EXL

$72

per month

Do you need more than minimum coverage in Waukegan?

In Waukegan, drivers should consider topping up their liability coverage beyond the state's minimum requirement of 25/50/20.

The state minimum coverage requirements provide a lot of protection, but medical and repair bills tend to add up.

If you cause a car accident and the injured party’s expenses exceed your coverage limits, you’ll have to pay the rest out of pocket. They also have the right to sue you in a personal injury lawsuit for up to two years after the accident, according to

The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.

Cheap full coverage car insurance quotes in Waukegan

Full-coverage car insurance

isn't required by law, but it provides coverage for repairs to (or a replacement of) your vehicles.

A full coverage policy includes

collision coverage

and

comprehensive coverage

Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object.

Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.

If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Waukegan.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$116	Ola, 28 Zip: 60085	KIA Sorento S
• State Minimum Liability • Comp / Collision	Safeco	$85	Jayden, 26 Zip: 60085	Subaru Crosstrek Limited
• State Minimum Liability • Comp / Collision	Safeco	$183	Lois, 26 Zip: 60087	Ford Escape SE
• 100,000/300,000 Liability • Comp / Collision	Mercury	$108	Herbert, 34 Zip: 60085	Audi A4 Premium Plus
• State Minimum Liability • Comp / Collision	Gainsco	$204	Bertha, 31 Zip: 60085	KIA Forte FE

Last Updated Nov 24, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Waukegan

In helping hundreds of Waukegan drivers find cheaper rates, we found the average cost for minimum liability coverage to be $69 per month or $829 per year.

The average cost for full coverage insurance in Waukegan is $146 per month or $1,758 per year.

While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors. Car insurance rates are determined by your driver profile, driving record, and claims history, among other things.

Your actual costs could be hundreds of dollars higher than the average—or, if you use a quote-comparison app, hundreds of dollars less.

Compare car insurance costs in other states

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Car insurance quotes in Waukegan by rating factors

Insurance companies in Waukegan use many rating factors when

calculating your auto insurance premium

Your driving record and claims history: Accidents and tickets will increase your insurance rates.

Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.

Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.

Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.

Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

How do different factors impact your car insurance costs in Waukegan?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Waukegan currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Waukegan:

Cheap car insurance quotes in Waukegan after driving violations

Your

Illinois driving record

plays a large role in deciding your car insurance rates. For one, the number of driver violation points on your driver’s license can add quite a few dollars to your monthly premiums.

Some car insurance companies will work with a high-risk driver profile, while others won't, particularly if you received a serious conviction for a DUI or reckless driving in Illinois.

Cheapest car insurance in Waukegan after speeding ticket

Even a single

Illinois speeding ticket

can raise your insurance rates by an average of about 13%. If you have multiple speeding tickets or you were ticketed for going well above the speed limit, your rates could go up even more.

Some providers are more forgiving of violations like speeding tickets. By working with a broker like Jerry, you’re more likely to come across an insurer that will offer you more affordable car insurance after a ticket.

Check out real rates drivers in Illinois achieved using Jerry.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Nationwide	$58	Shane, 44 Zip: 60085	Mazda 3	• 50,000/100,000 Liability
Speeding 6-10	Allstate	$82	Alex, 43 Zip: 60085	Acura Integra	• 50,000/100,000 Liability

Last Updated Nov 24, 2024

Cheapest car insurance in Waukegan after DUI

If you’re charged with a

DUI in Illinois

, you could face consequences including:

Fine of up to $2,500

Jail sentence of up to one year

Driver’s license suspension of at least one year

Community service sentence of up to 100 hours

The penalties become more severe for subsequent DUI offenses.

On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry can help you find lower rates. Just look at some of the cheaper coverage these drivers found using the Jerry app.

Allstate

Mayme (40 years old)

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60087)

KIA Telluride

$51

per month

Lewis (40 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Waukegan, IL
(Zip Code: 60087)

Chrysler 300

$68

per month

Cheapest car insurance in Waukegan after an at-fault accident

If you need another reason to keep a

clean driving record

, keep in mind that high-risk drivers pay higher car insurance rates. Even multiple small, at-fault car accidents can add up to a significant price premium.

So if you’re wondering why your rates are so high, first check your

Illinois driving record

—and then download Jerry to compare quotes and find a better plan.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With No Injury	Progressive	$200	Stanley, 22 Zip: 60085	Honda Civic Sport	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Safeco	$183	Jeanette, 25 Zip: 60087	Ford Escape SE	• State Minimum Liability • Comp / Collision
At Fault With No Injury	National General	$87	Harriet, 33 Zip: 60085	Honda Civic EXL	• State Minimum Liability

Last Updated Nov 24, 2024

Cheapest car insurance in Waukegan after other driving violations

Most traffic violations increase your insurance rates, such as driving without a license, stunt driving, or reckless driving in Illinois. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Waukegan:

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Failure to Obey Signal	Clearcover	$68	Vincent, 54 Zip: 60085	Dodge Durango SLT	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Clearcover	$68	Milton, 54 Zip: 60085	Dodge Durango SLT	• State Minimum Liability • Comp / Collision

Last Updated Nov 23, 2024

Cheap car insurance quotes in Waukegan by age

Car insurance rates start high, drop, and then rise again. Teen drivers pay more, middle-aged drivers pay less, and senior drivers pay more again—although not as much as when they were new to the road.

If you fall outside the ideal bracket for car insurance savings (25 to 75), here’s what you can do:

Cheapest car insurance in Waukegan for young drivers

Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group.

The best way to keep costs low for

young drivers

is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Calumet Park.

Here are some recent rates given to young drivers in Illinois on Jerry.

best senior car insurance

Luella (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Waukegan, IL
(Zip Code: 60085)

Honda Civic Sport

$200

per month

Cheapest car insurance in Waukegan for senior drivers

Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.

To find the

, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.

With Jerry, not only can you safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process. The cards below show how much senior drivers pay each month for coverage with the Jerry app.

car insurance lapse can raise your insurance rates

George (72 years old)

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60087)

Nissan Altima S

$162

per month

Clearcover

Martin (69 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Waukegan, IL
(Zip Code: 60085)

Lexus ES 330

$105

per month

Cheap car insurance quotes in Waukegan based on insurance history

Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a

With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Waukegan.

Derek (41 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Waukegan, IL
(Zip Code: 60085)

Volkswagen Tiguan SE

$73

per month

Elnora (28 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Waukegan, IL
(Zip Code: 60085)

Cadillac Escalade Luxury

$135

per month

Alejandro (25 years old)

Currently Insured

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60085)

Subaru Crosstrek Limited

$85

per month

Bristol West

Nicholas (28 years old)

Currently Insured

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60085)

Cadillac Escalade Luxury

$138

per month

National General

Sue (53 years old)

Currently Insured

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60085)

Mazda 5

$65

per month

Over 4,000,000 customers and counting

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Jaime

Cheap car insurance quotes in Waukegan for drivers with poor credit

Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers in Waukegan will see their insurance rates increase if their credit score is 550 or less.

Compared to their poor credit counterparts, Waukegan drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.

Check out some real rates drivers in Illinois received after signing up with Jerry.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$200	Stanley, 22 Zip: 60085	Honda Civic Sport	• 50,000/100,000 Liability • Comp / Collision
660 - 750	Clearcover	$72	Cameron, 33 Zip: 60085	Honda Civic EXL	• State Minimum Liability
550 - 659	National General	$65	Winnie, 53 Zip: 60085	Mazda 5	• State Minimum Liability
< 550	Progressive	$71	Alan, 31 Zip: 60087	Toyota Corolla	• State Minimum Liability • Comp / Collision

Last Updated Nov 23, 2024

Cheap car insurance quotes in Waukegan for popular cars

The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and vehicle anti-theft systems costs less to insure. If it’s cheap to repair, then so much the better!

Here are the five most popular models on Waukegan’s roads:

MORE: How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 XLE	Progressive	$199	Amelia, 35 Zip: 60085	• State Minimum Liability • Comp / Collision

Last Updated Nov 24, 2024

Cheapest car insurance in Waukegan for new vs. old car

It's usually less expensive to insure an old car than a new one.

We have found that the average insurance cost for a car older than 10 years is -- per month in Waukegan. The average cost for insuring a car less than four years old goes up to -- per month.

George (72 years old)

2019 Nissan Altima S

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60087)

$162

per month

Allen (29 years old)

2008 Cadillac Escalade Luxury

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Waukegan, IL
(Zip Code: 60085)

$135

per month

shopping for car insurance quotes

Jayden (26 years old)

2019 Subaru Crosstrek Limited

Coverage

State Minimum

Waukegan, IL
(Zip Code: 60085)

$85

per month

State Auto

Daisy (34 years old)

2011 Audi A4 Premium Plus

Coverage

100,000 per person

300,000 per accident bodily injury

Waukegan, IL
(Zip Code: 60085)

$102

per month

How to lower car insurance costs in Waukegan

1. Shop around and compare quotes

You can't get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison

every six months.

Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

2. Hunt for car insurance discounts

Getting the right

car insurance discount

can transform a good rate into a great one. You could save by joining a program for:

Good drivers. If you’ve held a

clean driving record

for at least three years, you’re due for some sweet discounts.

Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!

Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

Insurance bundlers. Bundle your car and home insurance and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Waukegan so expensive?

Congestion: Because driving in Waukegan incurs a higher risk of dents, dings, and cracked windows than driving in the countryside, insurance rates are higher, too.

Motor vehicle theft: Similar to congestion, high motor vehicle theft rates in Waukegan lead insurance providers to increase your premiums.

Fatality rates: Around one quarter of the fatal

car crashes in Illinois in 2021

happened on urban roads. Because of the high costs associated with motor vehicle fatalities, Waukegan drivers pay higher rates.

Learn more:

11 Ways to lower car insurance

FAQ

How much is car insurance in Waukegan?

People living in Waukegan pay on average $72 per month – or $869 per year – on state-minimum liability coverage. Full coverage in Waukegan costs on average $152 per month of $1,820 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Waukegan?

Based on thousands of Waukegan drivers Jerry has worked with, car insurance in Waukegan costs an average of $72 per month for state-minimum coverage and $152 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Waukegan?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Founders,

State Auto

, and