Best Auto Insurance Rates in Waukegan, Illinois

On average your neighbors pay $67 a month.

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Waukegan, Illinois, is one of the oldest communities in Illinois. In fact, Pere Marquette first visited it in 1673. Thanks to its location on Lake Michigan's shore, it was home to a key trading post for many years.

That’s not the only thing the city is famous for; many famous Waukeganites have raised its profile.

With all that Waukegan is famous for, we think its residents deserve the cheapest rates possible.

Average Waukegan Car Insurance Rates

How much is car insurance in Waukegan, IL? Premiums here can be expensive. Many drivers pay higher rates than both the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on your driving record, the car your drive, age, coverage, policy limits, and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national companies and local insurance agents. Comparing quotes can help you find cheap car insurance rates near Waukegan, Illinois and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare car insurance quotes in Waukegan, IL from multiple companies to get the lowest rates.

Best Car Insurance Companies in Waukegan, IL

These are the most common car insurance companies reported by QuoteWizard users in Waukegan, Illinois, last year.

Top 10 Vehicles in Waukegan

These are most common car makes and models owned by Waukegan, IL drivers who requested quotes through QuoteWizard last year.

  1. Chevrolet Impala/LT/LS
  2. Honda Accord LX
  3. Chevrolet Blazer
  4. Honda Civic DX/EX
  5. Ford Explorer
  6. Ford Mustang
  7. Chevrolet Cruze LT
  8. Jeep Liberty Limited
  9. Chevrolet Malibu
  10. Toyota RAV4
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Waukegan, IL

Waukegan, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most an insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Waukegan insurance rates.

Waukegan drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Waukegan, IL tends to have long, hot summers and no dry season. Residents also can expect around 188 days of either full or partial sunshine each year. They also can expect an average of 110 days with measureable precipitation. One weather condition that can make driving dangerous is snow during the wintertime. Waukegan receives around 37 inches of snow annually.

Road Conditions

According to Tripnet.org, 67 percent of the major roads in Illinois are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion or $540 per motorist in extra vehicle operating costs per year. Those costs are a direct result of driving on rough roads that damage cars and contribute to car accidents.

To report a pothole problem in your area, call Waukegan Public Works at 841-360-0944.

Moving Violations

Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need to get car insurance for bad drivers, also known as high-risk insurance.

Traffic Tickets

The Lake County Clerk of the Circuit Courts website allows residents to pay traffic tickets and provides other important traffic court information.

The Lake County Sheriff's Department issued 19,228 traffic violations in 2014. This is a 25 percent decrease from the 25,578 traffic violations issued in 2013.

Drunk Driving Arrests

Also in 2014, Lake County police arrested 404 drivers for suspicion of driving under the influence (DUI). That’s a small 2 percent increase from the 398 drivers arrested in 2013.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Waukegan DUI insurance.

Vehicle Theft Rates

Waukegan reported 85 motor vehicle thefts in 2014. That’s a theft rate of 0.96 per 1,000 residents. Waukegan is a relatively safe place to own a car compared to other cities. (The national average theft rate is 2.16 per 1,000 people.)

Car Insurance Discounts in Waukegan

Discounts are one of the best ways to lower your insurance rates. These are some of the auto discounts available to drivers in Waukegan, IL depending on what's offered by your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  2. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  3. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  4. Maintain good credit
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Maintain at least a B grade point average in school to qualify for the good student discount
  7. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  10. Shop around and compare low-cost Waukegan car insurance quotes

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