Cheapest Car Insurance Quotes in Fairview Heights

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Fairview Heights Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fairview Heights

The car insurance rate in Fairview Heights is $930 for a six-month policy, which is $61 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Fairview Heights can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fairview Heights

$930

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Fairview Heights

1st place: AutoOwners Insurance Co

At $477 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $540 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $566 for six months, making it the third cheapest auto insurance company in Fairview Heights.

Fairview Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairview Heights, IL is AutoOwners Insurance Co, offering policies at just $477 for a six-month term. This is followed by Westfield, which has an average six-month premium of $540.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $865 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairview Heights drivers find the best deals.

Cheap Car Insurance Companies in Fairview Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$477	$81
Westfield	$540	$90
Country Financial	$566	$95
Travelers	$674	$113
American Family	$782	$132
Erie	$820	$137
USAA	$966	$163
State Farm	$973	$164
Progressive	$1068	$180
Auto-Owners	$1125	$187
Allstate	$1615	$272
Farmers	$1615	$272
Hanover	$1005	$167
Mercury	$858	$143
Hastings Mutual	$865	$147

Key Takeaways

Way's key takeaways about car insurance in Fairview Heights

The auto insurance costs in Fairview Heights fall around $477 for six months.
The cheapest auto insurance company in Fairview Heights is Mercury.
Teen drivers pay the highest rate in Fairview Heights at $62 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Fairview Heights

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fairview Heights are given below.

Mercury provides the cheapest minimum car insurance coverage in Fairview Heights. Their Average 6 Month Premium is $159. First Chicago is the most expensive at $210 for the same period.

Cheapest Liability Coverage in Fairview Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$159	$27
Westfield	$171	$29
Auto-Owners Insurance Co	$203	$34
Country Financial	$216	$36
Erie	$266	$45
Auto-Owners	$292	$49
Travelers	$292	$49
American Family	$337	$57
State Farm	$337	$57
USAA	$356	$60
Progressive	$413	$70
Allstate	$648	$109
Farmers	$795	$135
Hanover	$190	$32
AAA	$273	$46
First Chicago	$210	$35

Cheapest Full Coverage Car Insurance in Fairview Heights

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fairview Heights is AutoOwners Insurance Co at $81 per month and $477 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairview Heights, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$477	$81
Westfield	$540	$90
Country Financial	$566	$95
Travelers	$674	$113
American Family	$782	$132
Erie	$820	$137
USAA	$966	$163
State Farm	$973	$164
Progressive	$1068	$180
Auto-Owners	$1125	$187
Allstate	$1615	$272
Farmers	$1615	$272
Hanover	$1005	$167
Mercury	$858	$143
Hastings Mutual	$865	$147

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Average Car Insurance in Fairview Heights by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fairview Heights, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Fairview Heights, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fairview Heights's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fairview Heights

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$756
30s	Auto-Owners	$523
40s	Auto-Owners	$514
50s	Auto-Owners	$485
60s	Auto-Owners	$509
70s	Auto-Owners	$646

Cheapest Car Insurance Rates for Teen Drivers in Fairview Heights,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Fairview Heights at $34 per month. At $363 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$203	$34
Mercury	$235	$40
Auto-Owners Insurance Co	$255	$43
Country Financial	$865	$146
Erie	$1061	$179
Travelers	$1125	$189
USAA	$1958	$330
American Family	$2345	$395
State Farm	$3375	$568
Progressive	$3381	$569
Allstate	$3928	$661
Farmers	$3998	$673
AAA	$363	$62

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Fairview Heights.

As young drivers face the highest rates in Fairview Heights, AutoOwners offers the cheapest auto insurance rates at $756 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Fairview Heights, Mercury is the cheapest car insurance provider. At $242 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Fairview Heights is State Farm, offering rates of around $3324 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$242	$41
Westfield	$318	$55
Hanover	$426	$71
Country Financial	$636	$107
Travelers	$705	$119
Progressive	$1010	$170
American Family	$1239	$209
USAA	$1646	$280
Allstate	$2702	$450
Farmers	$3108	$529
State Farm	$3324	$554

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Car Insurance Rates with An Accident in Fairview Heights

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fairview Heights, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fairview Heights

The cheapest car insurance companies after an at-fault accident in Fairview Heights include AutoOwners Insurance Co and Westfield, offering $266 and $273, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $318.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$266	$45
Westfield	$273	$46
Mercury	$350	$58
Travelers	$610	$103
Erie	$616	$104
Country Financial	$623	$105
State Farm	$921	$155
USAA	$947	$159
American Family	$1061	$179
Progressive	$1532	$258
Farmers	$1691	$285
Allstate	$2803	$472
AAA	$452	$77
First Chicago	$292	$49
Hastings Mutual	$318	$55

Fairview Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairview Heights IL. For example, the car insurance in Fairview Heights after a DUI increases to $877 for a six month policy. While the rate increases by $235 for a six-month policy in the case of a speeding ticket.

Fairview Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1049	$174
One Med/PIP claim	$1055	$180
Not-at-fault accident	$1113	$185
One comp claim	$1137	$194
Two Med/PIP claims	$1137	$189
Failure to wear a seat belt	$1220	$208
Driving without lights	$1233	$205
Child safety restraint	$1239	$211
Two comp claims	$1239	$207
Failure to show documents	$1258	$214
Speeding 6 - 10 MPH over limit	$1284	$214
Driving with expired registration	$1290	$219
Speeding 11 - 15 MPH over limit	$1316	$219
Driving too slowly	$1323	$225
Failure to yield	$1323	$220
Illegal turn	$1323	$225
At-fault accident - less than $1000	$1334	$223
Failure to stop at a red light	$1334	$227
Following too closely	$1334	$223
Speeding 16 - 20 MPH over limit	$1341	$228
Speeding in school zone	$1341	$224
Improper passing	$1347	$229
Wrong way/wrong lane	$1347	$225
Cell phone violation	$1373	$233
Texting while driving	$1373	$229
Passing school bus	$1386	$235
In 65 MPH zone	$1392	$232
Speeding 21 - 25 MPH over limit	$1405	$239
Operating a vehicle without permission	$1431	$239
At-fault accident - $1000-$2000	$1519	$258
At-fault accident - greater than $2000	$1544	$258
Open container	$1595	$272
Reckless driving	$1850	$308
Racing	$1868	$318
Driving with a suspended license	$1907	$318
Refusal to submit to a chemical test	$1920	$326
DUI	$1926	$321
Leaving scene of an accident/hit and run	$1945	$331

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fairview Heights after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fairview Heights.

The cheapest car insurance premiums in Fairview Heights are offered by Mercury at $242 for a six-month policy. However, it can be as expensive as $2726 with companies like Farmers.

Fairview Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$242	$41
Travelers	$648	$109
Erie	$750	$126
Progressive	$782	$132
Country Financial	$985	$166
American Family	$1202	$202
State Farm	$1303	$219
USAA	$1526	$257
Allstate	$2396	$403
Farmers	$2726	$463

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fairview Heights are offered by Westfield at $203. However, it can be as expensive as $4996 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fairview Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$203	$34
Auto-Owners Insurance Co	$229	$39
Mercury	$248	$42
Erie	$266	$45
Hanover	$305	$51
Country Financial	$642	$108
USAA	$832	$139
State Farm	$1137	$194
Travelers	$1290	$215
Progressive	$1334	$227
American Family	$1481	$249
Allstate	$4246	$722
Farmers	$4996	$832

Car Insurance Price Trends in Fairview Heights, Illinois

Car insurance rates in Fairview Heights have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fairview Heights rose by $207 in December compared to $204 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Fairview Heights rose to $57 in December, compared to $55 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fairview Heights?

The car insurance in Fairview Heights is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Fairview Heights?

The cheapest car insurance in Fairview Heights is $81 per month for full coverage.

How much is car insurance in Fairview Heights for teenagers?

Car insurance for teenagers costs $203 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fairview Heights?

The average cost of car insurance is $869 for a six-month policy. It will cost around $155 per month to insure your car in Fairview Heights.

Is car insurance expensive in Fairview Heights?

Car insurance can be expensive in Fairview Heights if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fairview Heights can be affordable.

Cheapest Car Insurance Quotes in Fairview Heights

Why you can trust Way?

How Much Is Car Insurance in Fairview Heights

Avg. Car Insurance in Fairview Heights

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Fairview Heights

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Fairview Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairview Heights, IL

Way's key takeaways about car insurance in Fairview Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairview Heights

Cheapest Liability Coverage in Fairview Heights, IL

Cheapest Full Coverage Car Insurance in Fairview Heights

Cheapest Full Coverage Car Insurance Quotes in Fairview Heights, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairview Heights by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fairview Heights, IL increasing?

Car Insurance Premiums by Age in Fairview Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairview Heights,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Fairview Heights.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fairview Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Fairview Heights

Fairview Heights Car Insurance Rates by Violation

Fairview Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairview Heights after a DUI

Fairview Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairview Heights after Speeding ticket

Car Insurance Price Trends in Fairview Heights, Illinois

Average Car Insurance Cost in Fairview Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fairview Heights, IL

Car Insurance Rates by State in the USA (2025 Update)

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