Fox Lake drivers pay an average of $1,733/year — $38 less than the national average. With 137 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $257/year.
(888) 217-6781Estimated full coverage auto insurance rates for Fox Lake, IL from top carriers. Rates are adjusted for Fox Lake's 137 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $655 | $109/mo |
| Progressive | $740 | $123/mo |
| Country Financial | $762 | $127/mo |
| State Farm | $810 | $135/mo |
| Allstate | $985 | $164/mo |
Estimates based on 2026 rate filings for ZIP 60020. GEICO is cheapest at ~$109/mo. Actual rates vary by driver profile and exact Fox Lake location.
These Fox Lake-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Fox Lake, IL. Takes under 2 minutes.
(888) 217-6781Fox Lake is a smaller city in Illinois with a population of 10,978. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, blizzards, lake-effect snow, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Fox Lake.
For official Illinois insurance regulations, visit the Illinois Department of Insurance. For driver licensing, see the Illinois Secretary of State.
Your specific ZIP code within Fox Lake can swing your premium by hundreds of dollars. Here's how rates compare across Fox Lake neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 60029 | Fox Lake South Side | $1,595/yr | $133/mo |
| 60021 | Fox Lake North Side | $1,690/yr | $141/mo |
| 60036 | Fox Lake West Side | $1,728/yr | $144/mo |
| 60024 | Fox Lake East Side | $1,746/yr | $146/mo |
| 60020 | Fox Lake Downtown/Central | $1,866/yr | $156/mo |
The cheapest ZIP is 60029 (Fox Lake South Side) at $1,595/yr. The most expensive is 60020 (Fox Lake Downtown/Central) at $1,866/yr — a $271/year difference for the same driver.
Your Fox Lake ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Fox Lake. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,639/yr | $303/mo | +110% vs avg |
| Young Adult (20-25) | $2,426/yr | $202/mo | +40% vs avg |
| Adult (26-35) | $1,733/yr | $144/mo | 0% vs avg |
| Mid-Career (36-50) | $1,525/yr | $127/mo | -12% vs avg |
| Senior (51-65) | $1,438/yr | $120/mo | -17% vs avg |
| 65+ | $1,542/yr | $129/mo | -11% vs avg |
Teens in Fox Lake pay an average of $3,639/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,438/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Illinois cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Fox Lake drivers can save up to $257/year. ZIP 60029 (Fox Lake South Side) has the lowest rates starting at $1,595/yr.
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