Waukegan, IL Car Insurance

Waukegan drivers pay, on average, around $45 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How do rates in Waukegan measure up compared to neighboring areas, including Illinois as a whole? What rates should residents of Waukegan expect to pay for their car insurance? 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$45
IL$50
United States$80

Looking at the chart above, you can see it's around $5 a month cheaper to insure your vehicle in Waukegan than it is in the rest of Illinois.

Compared to the rest of the country, auto insurance in Waukegan is more affordable. You can expect to pay about $35 less for your policy in Waukegan than in the rest of U.S.

While these numbers are the average rates for auto insurance in Waukegan, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Waukegan residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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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$33
45-54$36
55-64$40
65+$36

More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Waukegan may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$44
Female$46

In general, women pay slightly less for car insurance than men. In Waukegan, however, men actually pay slightly less than female drivers for auto insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$52
1 Ticket$81
Multiple Tickets$99

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. In Waukegan, a driving record with one accident will usually get you a rate around $64 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $81 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$49
4-5 Years$38
6-7 Years$40
8-10 Years$38
11-14 Years$49
15 Years or Older$45

According to the first table above, the cheapest vehicles to insure in Waukegan are by and large trucks and vans, at $38 per month.

SUV drivers will see rates of about $42 for car insurance, while car owners typically pay around $46 a month.

You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Waukegan, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$48
Married$38
Divorced$44
Widowed$32

Generally, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Waukegan can be as much as $10 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

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

Another factor that comes into play is your housing status. Renters can expect to pay around $1 a month more than homeowners in Waukegan. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Waukegan, IL

Recent trends in car insurance for Waukegan drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for auto insurance in Waukegan increased from 2016-2018, before leveling out in 2019. They finished up in 2021, at $48 per month

How does Waukegan compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Area crime rates
  • Off-street parking availability
  • Amount of drivers
  • Regional regulations
  • General road safety (how many accidents each locality has)

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Waukegan?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Waukegan.

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Waukegan Insurance FAQs

What factors affect car insurance quotes in Waukegan?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.

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

Things like local laws, crime rates, 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?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Waukegan or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes