Waukegan Auto Insurance Rates, Quotes, Agents & Reviews in IL

Waukegan, IL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Waukegan, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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How to Save on Car Insurance in Waukegan, IL

The average cost of auto insurance in Waukegan, IL, is $1,134. This is higher than in most neighboring places such as Gurnee and Warren. Residents of Waukegan should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Waukegan.


Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.

Multi-Car Insurance:

In Waukegan, IL, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Waukegan, IL, is $1,950, while it would cost $3.901 for four vehicles. The savings on multi-car insurance in Waukegan also depends on the make and model of the car.

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Waukegan, IL. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up if the credit score if the driver is poor.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Waukegan, IL, post-DUI, increases to $1,841. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Waukegan. Other violations that can have a long-term impact on auto insurance in Waukegan include driving with an expired license and running a red light.


Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Waukegan’s yearly premium on a low deductible($500) is $1,346. It decreases to $1,137 when the deductible is higher ($1,000).

Factors that can influence the cost of car insurance in Waukegan, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Waukegan, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Waukegan, IL with that of other cities in and around Waukegan.

Waukegan Gurnee Warren Park City Beach Park Wadsworth
Average Insurance Rates $1,134 $1,001 $935 $1,148 $1,604 $1,334

Waukegan, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Waukegan, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Waukegan $1,346 $1,137
Park City $1,244 $1,051
North Chicago $1,807 $1,526
Benton $1,544 $1,304
Wadsworth $2,367 $1,999
Gurnee $1,625 $1,373
Beach Park $1,020 $861
Warren $1,707 $1,442

Waukegan, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Waukegan, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,680
20 Years $1,457
30 Years $1,122
40 Years $1,080
50 Years $1,000
60 Years $1,014
70 Years $1,180

Waukegan, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Waukegan, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,950 $318
3 Vehicles $2,926 $476
4 Vehicles $3,901 $635

Savings on 2 Vehicles bundle:$318

Savings on 3 Vehicles bundle:$476

Savings on 4 Vehicles bundle:$635

Waukegan, IL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Waukegan, IL.

Location Average Insurance Cost Post DUI Insurance Rate
Waukegan $1,134 $1,841
Park City $1,148 $1,864
North Chicago $1,197 $1,943
Benton $1,250 $2,029
Wadsworth $1,334 $2,166
Gurnee $1,001 $1,625
Beach Park $1,604 $2,604
Warren $935 $1,518

Waukegan, IL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $973
Excellent (740-799) $1,111
Good (670-739) $1,182
Average (580-669) $1,542
Poor (300-579) $1,850

Waukegan, IL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Stonegate Insurance Agency Inc Travelers 1790 NATIONS DR STE 203, GURNEE, 60031 847-775-0804
Eric Eckenstahler Allstate 514 N Western Ave Ste C, Lake Forest, 60045 (847) 735-9500
Mark Havlic Allstate 3075 Sanders Rd Ste G1E, Northbrook, 60062 (847) 402-7500
Randy Nebel State Farm 2345 Sheridan Rd, Zion, 60099-2396 847-872-2202
John P Galvin Inc Travelers 513 LINCOLN AVENUE, WINNETKA, 60093 847-441-8850
Leonard H Franks Cpcu & Associates Inc Travelers 1845 OAK ST STE 5, NORTHFIELD, 60093 847-441-6280
Houpis Weisberg & Scharff Insurance Travelers 3100 W DUNDEE STE 112, NORTHBROOK, 60062 847-205-1060
Elizabeth (Lisa) Jusino Allstate 1613 S Halsted St, Chicago, 60608 (312) 850-0775
Rhea Joyer State Farm 4911 N Lincoln Ave Ste C, Chicago, 60625-2609 773-878-8883
Liberty Allstate 1000 E Park Ave, Libertyville, 60048 (847) 362-8350
T A Cummings Jr Co Inc Travelers 4153 Main St., Skokie, 60076 (847) 994-3669

Waukegan, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$50 $1,184
Driver's Failure In Showing Documents +$110 $1,244
Driving With An Expired Registration +$117 $1,251
Driving At A Considerably Slow Pace +$246 $1,380
Using A Cellphone While Driving +$260 $1,394
Running A Red Light +$264 $1,398
Speeding +$278 $1,412
Driving A Vehicle Without The Required Permission +$353 $1,487
Driving With An Expired/Suspended License +$764 $1,898

Waukegan, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,089
Active Disabling Device $1,089
Tracking Device $1,066
Passive Disabling Device $1,055

Latest Auto Insurance Reviews in Waukegan, IL | Back to Top

State Farm
I would recommend them on the basis of their service and offerings. They take care of everything that you need. Even an conseeurge is available to show you around strange towns and make you feel at home.
American Family Insurance
I feel that there coverage is superior to other similar companies in the area. While the prices may be slightly higher, they have better service, better response, and roadside assistance.
It has been easy when we dropped a car we sold, traded in another car, and added an RV. Each change has been easy per phone.
choose between multiple payment options and schedules, and manage your account online. No matter where you are, we're always at your side ready to help.
Liberty Mutual
Collision coverage Covers expenses related to the damage or destruction of your vehicle Comprehensive coverage Covers expenses related to your vehicle in situations like thefts or storms Liability coverage Covers expenses related to injury, death or property damage when you're at fault Medical payments coverage Covers medical or funeral expenses if you or your passengers are hurt
I am pleased with the coverage, additional features, and access to information via the app. I also feel that my premium is fairly priced.
Progressive had the cheapest premium I could find. I compared quotes from a few different companies. My mother is an insurance agent as well and recommended Progressive for the price.
State Farm
My personal agent has a very large phone-tree if you call him, and sometimes emails can get lost in the shuffle. Once he is aware of the problem though, everything is handled well. For collisions sent through the website, everything was very prompt.