Waukegan, IL Car Insurance

Drivers in Waukegan pay around $44 a month for their car insurance. For more information refer to our guide below.
What rates should residents of Waukegan expect to pay for their car insurance? Compared to their surrounding area, how do rates in Waukegan stack up? What about against the rest of Illinois? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Waukegan?

Area Average Monthly Car Insurance Premium
Waukegan$44
IL$49
United States$81

Based on the chart above, you can see that it's about $5 a month cheaper to insure your vehicle in Waukegan than it is in the rest of Illinois.

When stacked up against the national average, the average monthly policy payment for Waukegan is more affordable. The average monthly payment in Waukegan is about $37 less than the rate for the rest of the U.S.

These may be the average auto insurance rates for Waukegan, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Waukegan so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$68
25-34$39
35-44$34
45-54$35
55-64$39
65+$36

The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Waukegan.

Average Car Insurance Rates by Gender

Gender Average
Male$43
Female$45

Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Waukegan is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$52
1 Ticket$65
Multiple Tickets$71

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Waukegan with one accident will pay around $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $65.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$47
4-5 Years$40
6-7 Years$40
8-10 Years$38
11-14 Years$49
15 Years or Older$43

If you look at the first table above, the cheapest vehicles to insure in Waukegan are usually trucks and vans, at $37 per month.

Car owners can expect to pay an average of around $45 a month for their policy, while SUVs usually cost around $42 a month to insure.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Waukegan, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$46
Married$38
Divorced$44
Widowed$32

Overall, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

In Waukegan, the difference in rates based on relationship status can be as much as $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$43
Live with parents$54

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than homeowners in Waukegan. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Waukegan, IL

Recent trends in car insurance for Waukegan drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

Auto insurance rates in Waukegan had been increasing from 2017-2018, when they reached a high of $53. This trend shifted in 2021, when they began to decrease, and have continued on that path through 2022, when policy premiums hit a low of $34 per month.

How does Waukegan compare to neighboring areas?

Why are car insurance rates in Waukegan different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Road safety
  • Community regulations
  • Total drivers
  • Off-street parking availability
  • Crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Waukegan?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Waukegan.

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Waukegan Insurance FAQs

What factors affect car insurance quotes in Waukegan?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Waukegan different from other neighboring cities?

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Waukegan?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Waukegan?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Waukegan or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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