Cheapest Car Insurance Quotes in Blue Island

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Blue Island Car Insurance

^$ 37

/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 Blue Island

The car insurance rate in Blue Island is $1298 for a six-month policy, which is $427 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $530, making it a popular choice for budget-conscious drivers. Rates in Blue Island 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 Blue Island

$1298

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Blue Island

1st place: American Family

At $530 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $665 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $752 for six months, making it the third cheapest auto insurance company in Blue Island.

Blue Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blue Island, IL is American Family, offering policies at just $530 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $665.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1399 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Island drivers find the best deals.

Cheap Car Insurance Companies in Blue Island, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$530	$91
Auto-Owners Insurance Co	$665	$110
Westfield	$752	$128
Travelers	$964	$162
Country Financial	$1027	$173
Erie	$1195	$201
USAA	$1424	$240
Auto-Owners	$1469	$247
Progressive	$1505	$253
State Farm	$1620	$273
Farmers	$1779	$302
Allstate	$2558	$431
Hanover	$1399	$232

Key Takeaways

Way's key takeaways about car insurance in Blue Island

The auto insurance costs in Blue Island fall around $530 for six months.
The cheapest auto insurance company in Blue Island is Mercury.
Teen drivers pay the highest rate in Blue Island at $86 per month.

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Cheapest Minimum Liability Car Insurance in Blue Island

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 Blue Island are given below.

Mercury provides the cheapest minimum car insurance coverage in Blue Island. Their Average 6 Month Premium is $222. AAA is the most expensive at $380 for the same period.

Cheapest Liability Coverage in Blue Island, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$222	$37
Westfield	$238	$40
Auto-Owners Insurance Co	$283	$48
American Family	$301	$51
Erie	$371	$63
Travelers	$407	$69
Auto-Owners	$416	$70
Country Financial	$416	$70
USAA	$514	$86
State Farm	$548	$92
Progressive	$575	$97
Allstate	$849	$143
Farmers	$1107	$188
Hanover	$265	$45
AAA	$380	$64

Cheapest Full Coverage Car Insurance in Blue Island

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 Blue Island is American Family at $91 per month and $530 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Island, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$530	$91
Auto-Owners Insurance Co	$665	$110
Westfield	$752	$128
Travelers	$964	$162
Country Financial	$1027	$173
Erie	$1195	$201
USAA	$1424	$240
Auto-Owners	$1469	$247
Progressive	$1505	$253
State Farm	$1620	$273
Farmers	$1779	$302
Allstate	$2558	$431
Hanover	$1399	$232

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Average Car Insurance in Blue Island 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 Blue Island, IL increasing?

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

Car Insurance Premiums by Age in Blue Island

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

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Cheapest Car Insurance Rates for Teen Drivers in Blue Island,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Blue Island at $48 per month. At $505 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$283	$48
American Family	$328	$55
Mercury	$328	$55
Auto-Owners Insurance Co	$355	$60
Farmers	$575	$95
Country Financial	$1611	$271
Travelers	$1682	$283
Erie	$1912	$322
USAA	$2903	$489
Auto-Owners	$3169	$539
Progressive	$4461	$751
State Farm	$5514	$928
Allstate	$6018	$1013
AAA	$505	$86

Teen Car Insurance Rates in IL by Age

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 Blue Island, Mercury is the cheapest car insurance provider. At $337 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 Blue Island is Farmers, offering rates of around $4328 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$337	$57
Westfield	$443	$75
American Family	$557	$95
Hanover	$593	$98
Travelers	$1062	$179
Country Financial	$1195	$201
Progressive	$1478	$249
USAA	$2619	$437
Erie	$2850	$484
Auto-Owners	$4054	$675
Allstate	$4638	$788
State Farm	$6921	$1153
Farmers	$4328	$736

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Car Insurance Rates with An Accident in Blue Island

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

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Island

The cheapest car insurance companies after an at-fault accident in Blue Island include American Family and AutoOwners Insurance Co, offering $355 and $371, respectively. AAA is an expensive provider with an average six-month premium of $629.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$355	$60
Auto-Owners Insurance Co	$371	$63
Westfield	$380	$64
Mercury	$487	$83
Farmers	$726	$121
Travelers	$894	$150
Erie	$1107	$186
Country Financial	$1177	$198
State Farm	$1487	$250
USAA	$1593	$268
Auto-Owners	$1664	$277
Progressive	$2248	$378
Allstate	$4363	$735
AAA	$629	$107

Blue Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blue Island IL. For example, the car insurance in Blue Island after a DUI increases to $1222 for a six month policy. While the rate increases by $328 for a six-month policy in the case of a speeding ticket.

Blue Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1460	$243
One Med/PIP claim	$1469	$250
Not-at-fault accident	$1550	$258
One comp claim	$1584	$270
Two Med/PIP claims	$1584	$264
Failure to wear a seat belt	$1699	$289
Driving without lights	$1716	$286
Child safety restraint	$1725	$294
Two comp claims	$1725	$288
Failure to show documents	$1752	$298
Speeding 6 - 10 MPH over limit	$1788	$298
Driving with expired registration	$1797	$305
Speeding 11 - 15 MPH over limit	$1833	$305
Driving too slowly	$1842	$313
Failure to yield	$1842	$307
Illegal turn	$1842	$313
At-fault accident - less than $1000	$1858	$310
Failure to stop at a red light	$1858	$316
Following too closely	$1858	$310
Speeding 16 - 20 MPH over limit	$1867	$317
Speeding in school zone	$1867	$311
Improper passing	$1876	$319
Wrong way/wrong lane	$1876	$313
Cell phone violation	$1912	$325
Texting while driving	$1912	$319
Passing school bus	$1930	$328
In 65 MPH zone	$1938	$323
Speeding 21 - 25 MPH over limit	$1956	$332
Operating a vehicle without permission	$1992	$332
At-fault accident - $1000-$2000	$2116	$359
At-fault accident - greater than $2000	$2150	$359
Open container	$2222	$378
Reckless driving	$2576	$429
Racing	$2602	$443
Driving with a suspended license	$2655	$443
Refusal to submit to a chemical test	$2673	$454
DUI	$2682	$447
Leaving scene of an accident/hit and run	$2709	$460

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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 Blue Island 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 Blue Island.

The cheapest car insurance premiums in Blue Island are offered by Mercury at $337 for a six-month policy. However, it can be as expensive as $3797 with companies like Farmers.

Blue Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$337	$57
American Family	$355	$60
Travelers	$948	$159
Progressive	$1141	$192
Erie	$1363	$229
Country Financial	$1584	$267
USAA	$2177	$367
State Farm	$2239	$377
Auto-Owners	$2363	$402
Allstate	$3753	$632
Farmers	$3797	$645

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 Blue Island are offered by Westfield at $283. However, it can be as expensive as $6957 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Blue Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$283	$48
Auto-Owners Insurance Co	$319	$54
Mercury	$346	$58
American Family	$355	$60
Hanover	$425	$72
Erie	$885	$149
Country Financial	$1062	$179
Travelers	$1345	$224
Auto-Owners	$1363	$232
State Farm	$1708	$285
USAA	$1885	$320
Progressive	$1930	$322
Allstate	$4019	$684
Farmers	$6957	$1159

Car Insurance Price Trends in Blue Island, Illinois

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

The average cost of full coverage in the Blue Island dipped by $252 in January compared to $288 of December. In other words, there has been an decrease by $36 when you compare January and December.

The average cost of liability insurance in the Blue Island dipped to $76 in January, compared to $79 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Blue Island?

The car insurance in Blue Island is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Blue Island?

The cheapest car insurance in Blue Island is $91 per month for full coverage.

How much is car insurance in Blue Island for teenagers?

Car insurance for teenagers costs $283 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 Blue Island?

The average cost of car insurance is $871 for a six-month policy. It will cost around $218 per month to insure your car in Blue Island.

Is car insurance expensive in Blue Island?

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

Cheapest Car Insurance Quotes in Blue Island

Why you can trust Way?

How Much Is Car Insurance in Blue Island

Avg. Car Insurance in Blue Island

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Blue Island

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Blue Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Blue Island, IL

Way's key takeaways about car insurance in Blue Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Blue Island

Cheapest Liability Coverage in Blue Island, IL

Cheapest Full Coverage Car Insurance in Blue Island

Cheapest Full Coverage Car Insurance Quotes in Blue Island, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Blue Island by Rating Factor

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

Car Insurance Premiums by Age in Blue Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Blue Island,IL

If you are in your twenties N/A is the best choice for car insurance in Blue Island.

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 Blue Island

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Island

Blue Island Car Insurance Rates by Violation

Blue Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Blue Island after a DUI

Blue Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Blue Island after Speeding ticket

Car Insurance Price Trends in Blue Island, Illinois

Average Car Insurance Cost in Blue Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Blue Island, IL

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

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