Cheapest Car Insurance Quotes in Berwyn

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Berwyn Car Insurance

^$ 32

/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 Berwyn

The car insurance rate in Berwyn is $1121 for a six-month policy, which is $252 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $575, making it a popular choice for budget-conscious drivers. Rates in Berwyn 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 Berwyn

$1121

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Berwyn

1st place: AutoOwners Insurance Co

At $575 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 $651 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 $682 for six months, making it the third cheapest auto insurance company in Berwyn.

Berwyn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Berwyn, IL is AutoOwners Insurance Co, offering policies at just $575 for a six-month term. This is followed by Westfield, which has an average six-month premium of $651.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Berwyn drivers find the best deals.

Cheap Car Insurance Companies in Berwyn, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$575	$98
Westfield	$651	$108
Country Financial	$682	$115
Travelers	$813	$137
American Family	$943	$159
Erie	$988	$165
USAA	$1165	$196
State Farm	$1173	$197
Progressive	$1287	$217
Auto-Owners	$1356	$226
Allstate	$1947	$328
Farmers	$1947	$328
Hanover	$1211	$201
Mercury	$1035	$173
Hastings Mutual	$1042	$177

Key Takeaways

Way's key takeaways about car insurance in Berwyn

The auto insurance costs in Berwyn fall around $575 for six months.
The cheapest auto insurance company in Berwyn is Mercury.
Teen drivers pay the highest rate in Berwyn at $75 per month.

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Cheapest Minimum Liability Car Insurance in Berwyn

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 Berwyn are given below.

Mercury provides the cheapest minimum car insurance coverage in Berwyn. Their Average 6 Month Premium is $192. First Chicago is the most expensive at $253 for the same period.

Cheapest Liability Coverage in Berwyn, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$192	$32
Westfield	$206	$35
Auto-Owners Insurance Co	$245	$41
Country Financial	$261	$44
Erie	$321	$54
Auto-Owners	$352	$59
Travelers	$352	$59
American Family	$406	$68
State Farm	$406	$68
USAA	$430	$72
Progressive	$498	$84
Allstate	$782	$132
Farmers	$958	$163
Hanover	$230	$39
AAA	$329	$55
First Chicago	$253	$43

Cheapest Full Coverage Car Insurance in Berwyn

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 Berwyn is AutoOwners Insurance Co at $98 per month and $575 for six months.

Cheapest Full Coverage Car Insurance Quotes in Berwyn, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$575	$98
Westfield	$651	$108
Country Financial	$682	$115
Travelers	$813	$137
American Family	$943	$159
Erie	$988	$165
USAA	$1165	$196
State Farm	$1173	$197
Progressive	$1287	$217
Auto-Owners	$1356	$226
Allstate	$1947	$328
Farmers	$1947	$328
Hanover	$1211	$201
Mercury	$1035	$173
Hastings Mutual	$1042	$177

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Average Car Insurance in Berwyn 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 Berwyn, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Berwyn, 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, Berwyn's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Berwyn

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	$912
30s	Auto-Owners	$631
40s	Auto-Owners	$619
50s	Auto-Owners	$584
60s	Auto-Owners	$614
70s	Auto-Owners	$779

Cheapest Car Insurance Rates for Teen Drivers in Berwyn,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Berwyn at $41 per month. At $437 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
Mercury	$284	$48
Auto-Owners Insurance Co	$307	$52
Country Financial	$1042	$175
Erie	$1280	$215
Travelers	$1356	$228
USAA	$2361	$397
American Family	$2828	$476
State Farm	$4069	$685
Progressive	$4076	$686
Allstate	$4736	$797
Farmers	$4819	$811
AAA	$437	$75

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 Berwyn.

As young drivers face the highest rates in Berwyn, AutoOwners offers the cheapest auto insurance rates at $912 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 Berwyn, Mercury is the cheapest car insurance provider. At $292 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 Berwyn is State Farm, offering rates of around $4008 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$292	$49
Westfield	$383	$66
Hanover	$513	$85
Country Financial	$766	$129
Travelers	$850	$143
Progressive	$1218	$205
American Family	$1494	$252
USAA	$1984	$338
Allstate	$3257	$543
Farmers	$3747	$637
State Farm	$4008	$668

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Car Insurance Rates with An Accident in Berwyn

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 Berwyn, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Berwyn

The cheapest car insurance companies after an at-fault accident in Berwyn include AutoOwners Insurance Co and Westfield, offering $321 and $329, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $383.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$321	$54
Westfield	$329	$55
Mercury	$422	$70
Travelers	$735	$124
Erie	$743	$125
Country Financial	$751	$126
State Farm	$1111	$187
USAA	$1142	$192
American Family	$1280	$215
Progressive	$1847	$311
Farmers	$2038	$343
Allstate	$3380	$569
AAA	$544	$93
First Chicago	$352	$59
Hastings Mutual	$383	$66

Berwyn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Berwyn IL. For example, the car insurance in Berwyn after a DUI increases to $1058 for a six month policy. While the rate increases by $284 for a six-month policy in the case of a speeding ticket.

Berwyn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1264	$210
One Med/PIP claim	$1272	$217
Not-at-fault accident	$1342	$223
One comp claim	$1371	$233
Two Med/PIP claims	$1371	$228
Failure to wear a seat belt	$1471	$250
Driving without lights	$1486	$248
Child safety restraint	$1494	$254
Two comp claims	$1494	$249
Failure to show documents	$1517	$258
Speeding 6 - 10 MPH over limit	$1548	$258
Driving with expired registration	$1556	$264
Speeding 11 - 15 MPH over limit	$1587	$264
Driving too slowly	$1594	$271
Failure to yield	$1594	$266
Illegal turn	$1594	$271
At-fault accident - less than $1000	$1609	$268
Failure to stop at a red light	$1609	$273
Following too closely	$1609	$268
Speeding 16 - 20 MPH over limit	$1616	$275
Speeding in school zone	$1616	$270
Improper passing	$1624	$276
Wrong way/wrong lane	$1624	$271
Cell phone violation	$1655	$281
Texting while driving	$1655	$276
Passing school bus	$1671	$284
In 65 MPH zone	$1678	$280
Speeding 21 - 25 MPH over limit	$1694	$288
Operating a vehicle without permission	$1725	$288
At-fault accident - $1000-$2000	$1832	$311
At-fault accident - greater than $2000	$1861	$311
Open container	$1923	$328
Reckless driving	$2230	$372
Racing	$2252	$383
Driving with a suspended license	$2299	$383
Refusal to submit to a chemical test	$2314	$393
DUI	$2322	$387
Leaving scene of an accident/hit and run	$2345	$399

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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 Berwyn 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 Berwyn.

The cheapest car insurance premiums in Berwyn are offered by Mercury at $292 for a six-month policy. However, it can be as expensive as $3287 with companies like Farmers.

Berwyn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$292	$49
Travelers	$782	$132
Erie	$904	$152
Progressive	$943	$159
Country Financial	$1188	$200
American Family	$1449	$244
State Farm	$1571	$264
USAA	$1840	$310
Allstate	$2888	$486
Farmers	$3287	$559

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 Berwyn are offered by Westfield at $245. However, it can be as expensive as $6023 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Berwyn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
Auto-Owners Insurance Co	$276	$46
Mercury	$299	$50
Erie	$321	$54
Hanover	$368	$62
Country Financial	$774	$130
USAA	$1004	$168
State Farm	$1371	$233
Travelers	$1556	$259
Progressive	$1609	$273
American Family	$1785	$301
Allstate	$5119	$871
Farmers	$6023	$1004

Car Insurance Price Trends in Berwyn, Illinois

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

The average cost of full coverage in the Berwyn rose by $249 in December compared to $246 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 Berwyn rose to $68 in December, compared to $66 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 Berwyn?

The car insurance in Berwyn is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Berwyn?

The cheapest car insurance in Berwyn is $98 per month for full coverage.

How much is car insurance in Berwyn for teenagers?

Car insurance for teenagers costs $245 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 Berwyn?

The average cost of car insurance is $869 for a six-month policy. It will cost around $187 per month to insure your car in Berwyn.

Is car insurance expensive in Berwyn?

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

Cheapest Car Insurance Quotes in Berwyn

Why you can trust Way?

How Much Is Car Insurance in Berwyn

Avg. Car Insurance in Berwyn

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Berwyn

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Berwyn Car Insurance Rates by Company

Cheap Car Insurance Companies in Berwyn, IL

Way's key takeaways about car insurance in Berwyn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Berwyn

Cheapest Liability Coverage in Berwyn, IL

Cheapest Full Coverage Car Insurance in Berwyn

Cheapest Full Coverage Car Insurance Quotes in Berwyn, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Berwyn by Rating Factor

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

Car Insurance Premiums by Age in Berwyn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Berwyn,IL

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

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 Berwyn

Cheapest Car Insurance Companies after an At-Fault Accident in Berwyn

Berwyn Car Insurance Rates by Violation

Berwyn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Berwyn after a DUI

Berwyn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Berwyn after Speeding ticket

Car Insurance Price Trends in Berwyn, Illinois

Average Car Insurance Cost in Berwyn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Berwyn, IL

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

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