Waukegan drivers pay an average of $1,917/year — $146 more than the national average. With 1,173 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $441/year.
(888) 217-6781Estimated full coverage auto insurance rates for Waukegan, IL from top carriers. Rates are adjusted for Waukegan's 1,173 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $725 | $121/mo |
| Progressive | $819 | $137/mo |
| Country Financial | $843 | $140/mo |
| State Farm | $896 | $149/mo |
| Allstate | $1,090 | $182/mo |
Estimates based on 2026 rate filings for ZIP 60085. GEICO is cheapest at ~$121/mo. Actual rates vary by driver profile and exact Waukegan location.
These Waukegan-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Waukegan, IL. Takes under 2 minutes.
(888) 217-6781With 89,321 residents, Waukegan is a growing community in Illinois where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like tornadoes, severe thunderstorms, blizzards, lake-effect snow, ice and commuter corridors still influence premiums. Waukegan drivers often find rates slightly below the Illinois state average.
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 Waukegan can swing your premium by hundreds of dollars. Here's how rates compare across Waukegan neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 60091 | Waukegan South Side | $1,772/yr | $148/mo |
| 60089 | Waukegan North Side | $1,877/yr | $156/mo |
| 60089 | Waukegan West Side | $1,929/yr | $161/mo |
| 60091 | Waukegan East Side | $1,946/yr | $162/mo |
| 60085 | Waukegan Downtown/Central | $2,071/yr | $173/mo |
The cheapest ZIP is 60091 (Waukegan South Side) at $1,772/yr. The most expensive is 60085 (Waukegan Downtown/Central) at $2,071/yr — a $299/year difference for the same driver.
Your Waukegan ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Waukegan. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,026/yr | $336/mo | +110% vs avg |
| Young Adult (20-25) | $2,684/yr | $224/mo | +40% vs avg |
| Adult (26-35) | $1,917/yr | $160/mo | 0% vs avg |
| Mid-Career (36-50) | $1,687/yr | $141/mo | -12% vs avg |
| Senior (51-65) | $1,591/yr | $133/mo | -17% vs avg |
| 65+ | $1,706/yr | $142/mo | -11% vs avg |
Teens in Waukegan pay an average of $4,026/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,591/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.
Waukegan drivers can save up to $441/year. ZIP 60091 (Waukegan South Side) has the lowest rates starting at $1,772/yr.
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