Car Insurance in Quincy, IL
Not every Quincy driver has the same habits on Highway 104. The careful ones, the smooth brakers, the ones who keep their phone face down and their eyes on the road?
Lemonade notices. And prices you accordingly.
How much does car insurance cost in Quincy?
The average estimated cost of Lemonade car insurance in Quincy ranges from roughly $2,880 to $2,940 per year*, depending on factors like your age, driving history, car type, and location.
| City | Average annual cost |
|---|---|
| Camp Point | $1,080 to $1,140 |
| Nauvoo | $1,320 to $1,380 |
| Macomb | $1,860 to $1,920 |
| Jacksonville | $1,920 to $1,980 |
How can I get cheaper car insurance in Quincy?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Hybrid/EV discount
Got a hybrid or EV? We think that’s worth rewarding. You’ll get a lower rate, automatically.
What is the minimum car insurance
required in Quincy?
Every Quincy driver needs to carry a minimum level of coverage to legally drive.
Here’s exactly what the state requires.
| Required minimum coverages for Illinois drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
What additional car insurance coverages
does Lemonade offer in Quincy?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash- like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Quincy?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
Beyond Quincy: car insurance across Illinois
Quincy car insurance FAQs
What happens if you drive without insurance in Quincy, IL?
Illinois requires all drivers to carry minimum liability coverage, and getting caught without it in Quincy can mean fines, a suspended license, and even having your car registration revoked. If you cause an accident without insurance, you’re personally on the hook for the other driver’s damages and medical bills. It’s a risk that’s just not worth taking.
How does Quincy's weather affect my car insurance?
Quincy winters can be rough, with ice and snow on roads like Broadway and the Route 104 corridor making accidents more likely from December through February. Comprehensive coverage can also help if a falling tree branch or hailstorm damages your parked car during one of the region’s spring thunderstorms. If you’re only carrying the state minimum, you may be left paying for weather-related damage out of pocket.
Does being a young driver in Quincy mean I'll pay a lot more for car insurance?
Young drivers do tend to pay more on average, but safe driving habits can work in your favor and bring your rate down over time. Building a clean record early, even on quieter Quincy roads, goes a long way toward lowering what you pay. It’s worth shopping around rather than assuming age alone locks you into a high rate.
What coverage options should Quincy drivers consider beyond Illinois state minimums?
Illinois only requires basic liability coverage, which pays for damage you cause to others but nothing for your own car. Collision coverage helps if you’re in an accident on icy Mississippi River-area roads, and comprehensive covers things like theft, hail, or a deer running into your path on rural highways outside Quincy. Adding these to your policy gives you a much more complete safety net.
What should I do right after a car accident in Quincy?
First, make sure everyone is safe and call 911 if there are any injuries. Illinois law requires you to report accidents involving injury, death, or significant property damage, so get a police report filed and exchange insurance and contact information with the other driver. Then notify your insurance company as soon as possible so the claims process can get started.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Sept 2025 through August 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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