120+ more*Quotes generated for Insurify users in and around Waukegan, Illinois within the last 10 days. Last updated on September 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Waukegan, Illinois within the last 10 days. Last updated on September 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
The average cost of car insurance in Waukegan is $119 per month, Insurify data shows. Waukegan drivers pay $79 per month for liability-only auto insurance and $158 for a full-coverage policy.
These rates are comparable to the average cost of car insurance in Illinois and lower than more populated cities like Chicago.
Although Chicago is less than an hour away by car, rates in the Windy City are much higher than costs in Waukegan. But smaller cities between Chicago and Waukegan, such as Elgin and Schaumburg, have rates similar to Waukegan’s.
Drivers in Waukegan, Elgin, and Schaumburg all have commute times similar to the Illinois state average of about 28 minutes, while Chicagoans average 33 minutes behind the wheel on their commutes. The lower average commute helps partially explain why Waukegan car insurance rates are comparable to Illinois car insurance rates overall.
Auto-Owners has the most competitive rates in Waukegan for minimum liability coverage, with policies averaging $39 per month. Auto-Owners has the cheapest full-coverage insurance, with policies averaging $73 monthly.
The minimum Illinois car insurance requirements mandate that each driver carry bodily injury liability, property damage liability, and uninsured motorist coverage.[1]
Many drivers may want to purchase a full-coverage auto insurance policy due to Waukegan’s winter weather risks, including 36 inches of average annual snowfall.[2] Lake County, which includes Waukegan, also has an average of 15 severe ice storms over a given 10-year period.[3] Collision and comprehensive coverage can help you pay for vehicle repairs in case slippery road conditions, falling branches, or other winter weather problems cause damage to your car.
If you’d prefer to just get the minimum coverage you legally need, the table below lists the cheapest liability car insurance rates in Waukegan.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $39 |
| State Farm | $43 |
| Certainly | $54 |
| Progressive | $57 |
| Country Financial | $60 |
| Direct Auto | $61 |
| The General | $62 |
| GEICO | $63 |
| Erie | $66 |
| First Chicago | $66 |
| USAA | $70 |
| GAINSCO | $74 |
| Safeco | $74 |
| American Family | $75 |
| Mercury | $75 |
| Bristol West | $77 |
| National General | $78 |
| Freedom National | $86 |
| Elephant | $89 |
| Clearcover | $90 |
| Dairyland | $91 |
| First Acceptance | $92 |
| Insurify Car | $92 |
| Travelers | $95 |
| Farmers | $102 |
| Root | $103 |
| Liberty Mutual | $105 |
| Allstate | $107 |
| Mendota | $107 |
| Hugo | $110 |
| State Auto | $135 |
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $73 |
| State Farm | $79 |
| Country Financial | $109 |
| Progressive | $109 |
| Safeco | $114 |
| Erie | $120 |
| GEICO | $120 |
| Direct Auto | $124 |
| USAA | $128 |
| Mercury | $129 |
| American Family | $138 |
| Elephant | $152 |
| National General | $153 |
| Certainly | $156 |
| The General | $161 |
| Root | $162 |
| First Chicago | $163 |
| Liberty Mutual | $169 |
| Bristol West | $176 |
| Clearcover | $176 |
| Travelers | $176 |
| Farmers | $187 |
| Freedom National | $187 |
| Allstate | $196 |
| GAINSCO | $196 |
| Mendota | $211 |
| First Acceptance | $225 |
| State Auto | $246 |
| Dairyland | $253 |
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Chicago has the highest average insurance rates in Illinois, while Bloomington has the lowest. Average car insurance quotes in Waukegan tend to fall in between these two extremes.
Some of the price variation by city comes down to population density, since more people means more cars on the road. The populations of Bloomington and Waukegan are comparable, at about 79,000 and just less than 88,000 residents, respectively. Chicago, on the other hand, has a population of 2.7 million.[4]
But location also affects insurance rates. Waukegan and Chicago are both on Lake Michigan, which can affect the severity of winter weather. Bloomington receives much less snowfall than either of these cities. Since Waukegan regularly experiences severe winter weather, drivers face an increased risk of car accidents during the snowy months, which affects their rates.
Check out the table below to compare the average monthly car insurance quotes in Waukegan with quotes from other cities around Illinois.
City | Average Monthly Quote |
|---|---|
| Bloomington | $99 |
| Moline | $104 |
| Decatur | $105 |
| Champaign | $108 |
| Naperville | $110 |
| Wheeling | $112 |
| Rockford | $114 |
| Peoria | $116 |
| Schaumburg | $116 |
| Crest Hill | $117 |
| Elgin | $117 |
| Aurora | $118 |
| Springfield | $120 |
| Des Plaines | $122 |
| Evanston | $123 |
| Joliet | $123 |
| Berwyn | $130 |
| Skokie | $134 |
| Belleville | $136 |
| Chicago Heights | $153 |
| Cicero | $154 |
| Chicago | $164 |
While driving in Waukegan, you should keep the following local issues in mind when you get behind the wheel:
Parking limitations: Waukegan has installed “smart” parking meters in its downtown area, which you can pay for via app or credit card. If you pay with an app, you must move the car by the end of the two-hour parking period. The city also has an alternate parking ordinance for on-street parking, which requires vehicles to park on the odd side of the street on odd-numbered days and the even side on even-numbered days.
Snow removal for seniors: Since 2001, Waukegan Township has offered free snow removal on driveways and sidewalks to residents aged 55 and older. This service helps protect older adults while also providing employment to younger residents.
Limited public transportation: Although Pace Bus service serves Waukegan, the city’s website directs interested bus riders to call the service directly to learn the local bus routes. With limited bus service, more residents are likely to be driving to get where they need to go.
Average liability quotes start at $39/mo.
Your driving history has a big influence on how much you’ll pay for coverage, especially since Illinois is an at-fault state.[5] Having incidents on your record can make it more difficult to access competitive rates.
In Waukegan, nearly 4% of drivers have a speeding ticket, 3% have an at-fault accident, and nearly 1% have a DUI on their driving record, according to Insurify data.
Illinois imposes severe penalties for a DUI conviction, such as loss of driving privileges, possible imprisonment, and fines ranging from $500 to $25,000.[6] Post-DUI, the state may also require your insurer to file proof of financial responsibility, which you may see referred to as SR-22 insurance.[7]
The table below outlines the average monthly quotes for Waukegan car insurance based on driving history.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $119 |
| Speeding ticket | $155 |
| At-fault accident | $164 |
| DUI | $175 |
Insurance companies use age as another factor when setting your auto insurance rates. Teen drivers typically pay the highest rates of any age demographic because they have the least experience behind the wheel. Lake County drivers between the ages of 15 and 20 had more than 2,650 car accidents in 2023.[8]
Residents aged 65 and older make up about 12% of Waukegan’s population, and senior drivers generally pay the lowest rates because they have several decades of driving experience.
No matter your age, it’s always a good idea to explore discounts to ensure you have the cheapest car insurance in Waukegan. Teens might benefit from good student discounts, while senior drivers may want to look into bundling discounts when purchasing auto and homeowners insurance policies from the same company.
In the table below, you’ll find average monthly car insurance costs for Waukegan drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $172 |
| 20s | $114 |
| 30s | $91 |
| 40s | $86 |
| 50s | $78 |
| 60s | $71 |
| 70+ | $73 |
*Quotes generated for Insurify users in and around Waukegan, Illinois within the last 10 days. Last updated on September 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Waukegan, Illinois within the last 10 days. Last updated on September 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
The following information can help you find the cheapest car insurance in Waukegan for your needs.
The average cost of minimum coverage liability insurance in Waukegan is $79 per month, while full-coverage insurance costs an average of $158 per month.
Auto-Owners, State Farm, and Certainly have the cheapest car insurance in Waukegan, according to Insurify data. But that doesn’t necessarily make them the best car insurance for your situation. Make sure you compare quotes from multiple insurance companies to find the best rates, coverage, and service offerings for your needs.
Car insurance companies in Waukegan consider a number of factors, including location, crime rates, cost of vehicle repairs, and your credit and claims history. But the single most important factor affecting your car insurance quotes in Waukegan is your driving history. Keeping a clean driving record is the best way to qualify for competitive rates.
Illinois requires every driver to carry at least $25,000 per person and $50,000 per accident in bodily injury liability and $20,000 per accident for property damage liability. Drivers also must have $25,000 per person and $50,000 per accident in uninsured motorist (UM) bodily injury liability.
If you purchase higher UM coverage limits, Illinois state law requires you to also purchase underinsured motorist coverage (UIM).
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
