Cheapest Auto Insurance in Waukegan, Illinois (2024)

Auto-Owners has the cheapest insurance in Waukegan, with a monthly rate of $23.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated May 23, 2024

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Cheapest recent rates near Waukegan, Illinois

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $47/mo for full coverage in Waukegan and other Illinois cities.

*Quotes generated for Insurify users in and around Waukegan, Illinois within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Situated in the northeast corner of Illinois, the city of Waukegan falls between Chicago and Milwaukee along the shores of Lake Michigan. Waukegan’s overall average car insurance costs hover around $113 per month, much lower than the Illinois average of $132 and national average of $160 per month.

Drivers in Waukegan may pay less than the national average because of the city’s relatively smaller population compared to Illinois cities like Chicago and Aurora. If you need to replace your current policy or buy coverage for the first time, comparing car insurance can help you find the cheapest car insurance for your needs.

Here’s what you need to know about buying coverage in Waukegan.

Quick Facts
  • Auto-Owners, State Farm, and GEICO are the cheapest auto insurers in Waukegan.

  • Waukegan drivers pay $74 per month for liability-only coverage and $151 for full-coverage insurance.

  • Because Illinois is an at-fault state, the driver responsible for an accident must pay for the other driver’s damages, including vehicle repairs, medical expenses, and more.[1]

3 of the cheapest car insurance companies in Waukegan

Residents of Waukegan must consider several factors before settling on a car insurance company. Comparing cost, customer service, coverage options, and industry reputation is essential. You must also assess your financial situation and coverage needs to find the best policy when shopping for auto insurance coverage. This is the best way to find the cheapest car insurance for you.

Some of the best insurers in the city include Auto-Owners, Travelers, and USAA. Learn more about their offerings below.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$45$27Cheap rates
Travelers4.5$109$66Young drivers
USAA4.7$80$48Veterans
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$23/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$39/mo

Auto-Owners is a great option if you’re searching for cheap coverage in Waukegan. The company offers accident forgiveness to help you keep your rates low even after an unexpected accident. You can also take advantage of discounts for making on-time payments, setting up paperless billing, and buying more than one insurance product. Auto-Owners has 20 agents in the local community that you can contact for personalized and reliable customer service.

Pros
  • Offers accident forgiveness coverage

  • Above-average ranking in customer satisfaction from J.D. Power in the North Central region

Cons
  • You need to contact an agent for a quote

  • Mobile app ratings need improvement

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for young drivers: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$92/mo

Travelers car insurance is an excellent option for young drivers in Waukegan. The company offers discounts specifically tailored to students, including savings for good grades, going to school more than 100 miles from home (and leaving your car at home), and completing a driver education course. Travelers has nine agents located in the Waukegan area if you need in-person service, but the Travelers mobile app should let you manage your policy on the go.

Pros
  • Zero complaints filed with the National Association of Insurance Commissioners (NAIC) in Illinois in 2022

  • Offers discounts for students

Cons
  • Below-average J.D. Power customer satisfaction rating in the North Central region

  • Some poor customer reviews on Trustpilot

Read our Travelers review
Dylan - May 22, 2024
Verified

Billing Issues

I signed up to have my bill mailed to me, but I almost never received it. This caused me to be late on payments regularly.

Barbara - May 22, 2024
Verified

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

Kathleen - May 20, 2024
Verified

Good

If you have an old house with prior issues, do not contact them for another issue.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$68/mo

Lake County, which includes Waukegan, has the second-highest number of veterans in the state, and USAA is the best car insurance company for military families. You can find discounts of up to 15% for keeping your car on base and more savings if you put your car in storage before deployment. The company offers other insurance products, including life, property, small business, and motorcycle insurance. USAA consistently earns high marks for customer and claims satisfaction.

Pros
  • Coverage only available to active and retired military members and their families

  • Provides access to savings on travel, car care, shopping, and more

Cons
  • On-base discount is only for comprehensive coverage plans

  • Not available to non-military members

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

How to get the cheapest car insurance in Waukegan

In Illinois, insurers factor in your ZIP code, age, driving habits, and vehicle’s make, model, and age to determine your rates. You can use these strategies to find cheap car insurance:

  • Maintain a good driving record. Insurance companies typically offer drivers with a clean history lower rates. And most insurers provide safe driver discounts.

  • Opt for a higher deductible. Setting a higher deductible can lower your premium. Just remember to set it at an amount you can afford to pay out of pocket if you need to file a claim.

  • Bundle your policies. Many insurance companies offer discounts for combining your auto insurance with other policies, such as homeowners insurance or renters insurance.

  • Take advantage of available discounts. Ask your insurance agent about any available discounts, such as safe driver, good student, or multi-car discounts.

  • Shop around and compare rates. Different companies may offer varying rates and discounts for the same coverage. Shopping around for free quotes is the best way to find a policy that fits your needs without overpaying.

Find Car Insurance in Waukegan, Illinois

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Cheapest liability-only car insurance in Waukegan: Auto-Owners

Liability-only car insurance is the most basic form of coverage you can buy. Illinois, like most states, requires you to purchase a minimum amount of insurance. It only covers the damages and injuries you cause another driver, their vehicle, and their passengers. Liability coverage doesn’t pay for your vehicle damage or medical expenses.[2] Liability-only policies in Waukegan cost $74 per month, on average.

This coverage is an affordable option if you need to save money or you have an older or low-value car, but most drivers should consider purchasing additional coverage. Here are some of the cheapest liability-only options in Waukegan.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners23
State Farm25
GEICO33
Hugo34
COUNTRY Financial35
Erie39
Mile Auto39
USAA41
American Family44
Mercury49
Nationwide52
Travelers56
Direct Auto57
Safeco57
Clearcover58
Farmers60
Allstate62
National General67
Midvale Home & Auto68
State Auto73
Dairyland74
GAINSCO76
Elephant77
The General81
Liberty Mutual87
Bristol West90
Foremost121
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Waukegan: Auto-Owners

For more protection, you should consider full-coverage auto insurance. In addition to liability coverage, it includes collision and comprehensive insurance to cover damages to your vehicle. You may want this coverage if you drive a new or more valuable car. And if you lease or finance your car, your lender or dealer may require you to purchase it.

Drivers in Waukegan pay an average of $151 per month for full-coverage insurance. Here are some of the cheapest quotes for full-coverage insurance in Waukegan.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners39
State Farm41
GEICO56
COUNTRY Financial58
Mile Auto58
Erie63
USAA68
Hugo72
American Family73
Mercury80
Safeco80
Travelers92
Clearcover93
Nationwide94
Farmers98
Allstate104
Midvale Home & Auto110
Direct Auto121
National General123
State Auto133
Elephant140
Liberty Mutual145
GAINSCO177
Dairyland201
Bristol West220
The General220
Foremost274
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Illinois

The state of Illinois follows a fault system for auto insurance. If you cause a car accident, you’re responsible for covering the other driver’s injuries, property damage, and other losses.

To operate a car legally, Illinois drivers must carry a minimum amount of liability insurance, but the Illinois Department of Insurance warns that state minimums may not cover all expenses following an accident. It suggests that drivers consider increasing their coverage limits for better financial protection.[3]

Here are the minimum car insurance requirements in Illinois:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person
$50,000 per accident
Property damage liability$20,000 per accident

To ensure you have enough coverage to protect your vehicle and financials, you should consider purchasing more insurance, including the following optional add-ons:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have a collision with another vehicle or object, collision coverage can pay for your vehicle repairs.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    In the event that a non-collision incident — including severe weather, falling objects, or vandalism — damages your vehicle, comprehensive coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    After a hit-and-run or an accident with an at-fault driver without insurance, uninsured motorist coverage can pay for your vehicle damages and medical expenses.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Accidental death benefit

    This provides a financial benefit to your beneficiaries if you die due to a car crash.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap coverage pays the difference between what you owe on your car and its actual cash value in the event of a total loss.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also called MedPay, medical payments coverage helps pay for medical expenses for you and your passengers regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental reimbursement coverage pays for the costs of renting a vehicle while yours undergoes covered repairs after an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing or roadside assistance coverage

    Towing or roadside assistance coverage helps pay for towing services if your vehicle breaks down or you need service.

Cheapest car insurance for drivers with an incident

In the context of car insurance, an incident on your record is usually an at-fault accident, speeding ticket, DUI, or other traffic violation. If you have an incident on your driving record, insurers can label you a higher-risk driver with a greater likelihood of having an accident or other incident in the future.

Having incidents on your record can significantly affect how much you pay for car insurance. The amount of risk you pose correlates to how much your insurance company will charge for coverage. Drivers with clean records typically earn the cheapest average rates.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Insurers see speeding as a red flag for risky behavior and can increase your premiums accordingly. You earn points on your driving record in Illinois for traffic offenses. For example, a speeding ticket for driving up to 10 mph over the limit can add five points to your record. If you receive too many violations, the state could suspend or revoke your driver’s license.[4]

Waukegan drivers with a speeding ticket pay a monthly average of $221 for full coverage and $108 for liability-only insurance. Find the cheapest options for Waukegan drivers with a speeding ticket below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2330
State Farm2533
GEICO3343
Hugo3447
COUNTRY Financial3547
Erie3952
Mile Auto3955
USAA4154
American Family4458
Mercury4969
Nationwide5269
Travelers5674
Direct Auto5776
Safeco5776
Clearcover5877
Farmers6078
Allstate6281
Midvale Home & Auto6892
State Auto73104
Dairyland7498
GAINSCO76110
Elephant77111
The General81108
Liberty Mutual87126
Bristol West90117
Foremost121175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you cause a car accident, you’ll likely see your premiums increase unless you’re eligible for accident forgiveness with your car insurance company. You may also receive more points on your record, depending on the circumstance of the at-fault accident. Besides driving history and points, car insurance companies will consider the severity of your accident to set your rates.

A liability-only policy costs $113 per month, on average, for drivers with an at-fault accident, and full coverage costs $230 per month. Here are some of the cheapest options for Waukegan drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2332
State Farm2534
GEICO3346
Hugo3446
COUNTRY Financial3550
Erie3955
Mile Auto3959
USAA4157
American Family4460
Mercury4972
Nationwide5272
Travelers5678
Direct Auto5780
Safeco5776
Clearcover5885
Farmers6082
Allstate6285
Midvale Home & Auto6899
State Auto73111
Dairyland74102
GAINSCO76102
Elephant77105
The General81114
Liberty Mutual87131
Bristol West90122
Foremost121182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Due to the offense’s severity, a conviction for driving under the influence (DUI) can significantly increase your car insurance rates. You may struggle to find an affordable price for an auto insurance policy — and your current insurer can decide not to renew your coverage. Consider looking for coverage from an insurance company that specializes in high-risk drivers.

If you live in Waukegan and have been convicted of a DUI, you might pay as much as $260 per month for full coverage and $128 per month for a minimum-coverage policy. Here are some of the cheapest options for Waukegan drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2339
State Farm2543
GEICO3356
Hugo3458
COUNTRY Financial3560
Erie3966
Mile Auto3960
USAA4170
American Family4475
Mercury4975
Nationwide5288
Travelers5695
Direct Auto5797
Safeco5797
Clearcover5899
Farmers60102
Allstate62106
Midvale Home & Auto68116
State Auto73124
Dairyland74126
GAINSCO76129
Elephant77131
The General81138
Liberty Mutual87148
Bristol West90153
Foremost121206
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Your age affects your car insurance premium. Car insurance premiums typically decrease over time for drivers between 35 and 70 due to increased driving experience. However, senior drivers often notice a slight increase in premiums around the age of 70 because insurers may start to account for aging-related risk factors.

Senior drivers in Waukegan pay a monthly average of $106 for full coverage and $52 for liability-only coverage. Try to keep a clean driving record to qualify for lower rates, and ask about discounts to save on coverage. 

Here are some of the cheapest options for senior drivers in Waukegan.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1220
State Farm1220
Hugo1736
COUNTRY Financial1829
Erie1830
GEICO1830
Mile Auto2131
American Family2236
USAA2237
Nationwide2444
Mercury2541
Travelers3049
Direct Auto3165
Farmers3150
Clearcover3354
Safeco3346
Allstate3456
Midvale Home & Auto3455
State Auto3870
Dairyland43116
Elephant4378
Liberty Mutual4677
GAINSCO48113
The General50135
Bristol West51126
Foremost66150
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Premiums for teen drivers are often much higher than for adults due to less experience driving and a higher accident risk. Car accidents are the leading cause of death for young adults ages 15 to 18, according to the National Highway Traffic Safety Administration.[5]

Teens and young drivers in Waukegan pay as much as $264 per month for full coverage and $130 per month for liability-only insurance, on average. To get the cheapest car insurance possible as a teen driver, you should join your parents’ insurance policy, drive a safe and reliable car, and maintain good grades to qualify for good student discounts.

Here are the cheapest car insurance options for teenagers in Waukegan.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners3966
State Farm4268
COUNTRY Financial5184
GEICO5187
Hugo58124
Erie65104
USAA67111
Mile Auto74111
American Family76126
Nationwide87158
Mercury88143
Travelers99163
Direct Auto103218
Farmers104170
Allstate107179
Clearcover111178
Midvale Home & Auto117189
Safeco118165
Dairyland122332
Elephant125228
State Auto127232
The General129351
GAINSCO134312
Bristol West151369
Liberty Mutual160266
Foremost211478
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Waukegan

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Based on 3,806+ reviews
4.8/5
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Waukegan car insurance quotes by credit tier

Along with several other factors, your credit can influence how much you pay for car insurance in Illinois. About 95% of insurers consider credit history when setting premiums, according to FICO.[6] Credit-based insurance scores can correlate to the number of claims a customer files.[7]

Generally, drivers with poor credit pay higher rates than people with excellent or good credit. Here are the average quotes for full-coverage insurance in Waukegan by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Waukegan?

Drivers in Waukegan pay relatively low rates for car insurance, with a monthly average of $113. Nationwide, drivers pay $160 per month for car insurance. Illinois uses an at-fault system, which can decrease average rates for drivers in the state.

Several factors can influence rate changes throughout the state, including the number of accidents and claims in the area, crime rates, and population density. Residents in Waukegan, for example, typically pay less for coverage than drivers in larger cities like Chicago and Springfield.

More cities in Illinois

In addition to fluctuations by state, car insurance premiums can vary by city and ZIP code. Waukegan sits about 50 miles north of downtown Chicago, but Chicago drivers pay more for auto coverage. And drivers about 65 miles southwest, in Aurora, find average premiums that are cheaper than rates in Waukegan.

On average, Waukegan drivers pay $151 per month for full-coverage insurance. See how this compares to other Illinois cities.

CityLiability OnlyFull Coverage
Aurora$78$180
Berwyn$79$190
Chicago$93$226
Decatur$71$151
Joliet$77$169
Naperville$74$166
Peoria$77$176
Rockford$73$163
Springfield$78$182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Waukegan car insurance FAQs

Before you start shopping around for car insurance quotes, you should determine how much coverage you need. Here’s some more information to help you navigate the process of buying cheap car insurance in Waukegan.

  • How much is car insurance in Waukegan?

    Drivers pay, on average, $74 per month for liability-only coverage and $151 for full-coverage car insurance. The average overall cost of car insurance in Waukegan is $113 per month. 

  • Who has the cheapest car insurance in Waukegan?

    Auto-Owners, State Farm, and GEICO have the cheapest car insurance in Waukegan, with monthly liability rates of $23, $25, and $33, respectively. How much you end up paying for car insurance depends on your driving record, credit history, age, and more.

  • What are the best car insurance companies in Waukegan?

    With an Insurify Quality (IQ) Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and at least a dozen available discounts, Travelers is the best car insurance company in Waukegan. Other top insurers include Auto-Owners, State Farm, and USAA.

  • What is the minimum car insurance in Illinois?

    Illinois drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $20,000 per accident in property damage liability.

  • Is Illinois a no-fault state?

    No. Illinois is an at-fault state. This means the driver who causes an accident must cover the costs of the resulting damage and injury.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. NOLO. "Illinois Car Insurance Laws and Requirements."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. Illinois Department of Insurance. "Auto Insurance Shopping Guide."
  4. Illinois Secretary of State. "Illinois Traffic Offenses."
  5. National Highway Traffic Safety Administration. "Teen Driving."
  6. Fair Isaac Corporation (FICO). "Do Insurance Companies Use Credit Data?."
  7. Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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