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Cheap Auto Insurance Quotes in Waukegan, IL (January 2022)

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Last Updated: January 2022
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Car Insurance in Waukegan, IL

The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Waukegan, IL to find you the cheapest quotes in the area.
$90
$94
$107
$115
$117
AllstateState FarmProgressiveNationwideTravelers

Cheapest Car Insurance in Waukegan, IL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$132
$139
$120
$111
$159
$130
IllinoisChicagoAuroraRockfordJolietWaukegan
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Waukegan, IL Driving Facts

illinois

Minimum Car Insurance Requirements in IL

Illinois drivers must keep a copy of their insurance card in their vehicle at all times.

If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:

  • Bodily injury coverage per person / per accident: $25,000 / %50,000
  • Property damage liability coverage:  $20,000
  • Uninsured motorist bodily injury: $20,000/$40,000
  • Uninsured motorist property damage: $15,000 with $250 deductible
  • Underinsured motorist coverage: $25,000/$50,000

Liabiltiy insurance coverage is non-negotable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured. 

Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehenisve coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Insurify Insights: How Waukegan Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Waukegan, IL
suspended licenses
#19
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Waukegan drivers measure up to their fellow Illinois motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Waukegan

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Waukegan drivers rank 27 in the number of car accidents per driver across all cities in Illinois.

  • Rank within state: #27
  • Percent of drivers in Waukegan with an accident: 6.88%
  • Drivers in Waukegan, IL with an accident in their driving history paid on average 14.94% more than drivers with a clean record

Speeding in Waukegan

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Waukegan drivers rank 11 in the number of speeding infractions per driver.

  • Rank within state: #11
  • Percent of drivers in Waukegan with a speeding ticket: 10.05%
  • Drivers in Waukegan, IL with a speeding ticket in their driving history paid on average 25.32% more than drivers with a clean record

DUI/DWIs in Waukegan

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Waukegan drivers rank 9 in the number of DUI’s per driver across all cities in Illinois.

  • Rank within state: #9
  • Percent of drivers in Waukegan with a DUI: 1.85%
  • Drivers in Waukegan, IL with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Waukegan

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Waukegan is the Honda Civic.

Hybrid/Electric Vehicle Ownership in Waukegan

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Waukegan drivers rank 26 in hybrid and electric vehicle ownership across all cities in Illinois.

  • Rank within state: #26
  • Percent of drivers in Waukegan with a hybrid/electric vehicle: 0.39%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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