Cheapest Car Insurance Quotes in Blue Island

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Blue Island Car Insurance

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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 $1217 for a six-month policy, which is $348 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $624, 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

$1217

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Blue Island

1st place: AutoOwners Insurance Co

At $624 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 $707 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 $741 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 AutoOwners Insurance Co, offering policies at just $624 for a six-month term. This is followed by Westfield, which has an average six-month premium of $707.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1131 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
Auto-Owners Insurance Co	$624	$106
Westfield	$707	$118
Country Financial	$741	$125
Travelers	$882	$148
American Family	$1023	$172
Erie	$1072	$179
USAA	$1264	$213
State Farm	$1273	$214
Progressive	$1397	$235
Auto-Owners	$1471	$245
Allstate	$2113	$356
Farmers	$2113	$356
Hanover	$1315	$218
Mercury	$1123	$188
Hastings Mutual	$1131	$192

Key Takeaways

Way's key takeaways about car insurance in Blue Island

The auto insurance costs in Blue Island fall around $624 for six months.
The cheapest auto insurance company in Blue Island is Mercury.
Teen drivers pay the highest rate in Blue Island at $81 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 $209. First Chicago is the most expensive at $274 for the same period.

Cheapest Liability Coverage in Blue Island, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$209	$35
Westfield	$224	$38
Auto-Owners Insurance Co	$266	$45
Country Financial	$283	$48
Erie	$349	$59
Auto-Owners	$382	$64
Travelers	$382	$64
American Family	$441	$74
State Farm	$441	$74
USAA	$466	$78
Progressive	$540	$91
Allstate	$848	$143
Farmers	$1040	$176
Hanover	$249	$42
AAA	$357	$60
First Chicago	$274	$46

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 AutoOwners Insurance Co at $106 per month and $624 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Island, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$624	$106
Westfield	$707	$118
Country Financial	$741	$125
Travelers	$882	$148
American Family	$1023	$172
Erie	$1072	$179
USAA	$1264	$213
State Farm	$1273	$214
Progressive	$1397	$235
Auto-Owners	$1471	$245
Allstate	$2113	$356
Farmers	$2113	$356
Hanover	$1315	$218
Mercury	$1123	$188
Hastings Mutual	$1131	$192

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$990
30s	Auto-Owners	$685
40s	Auto-Owners	$672
50s	Auto-Owners	$634
60s	Auto-Owners	$666
70s	Auto-Owners	$846

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 $45 per month. At $475 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$266	$45
Mercury	$308	$52
Auto-Owners Insurance Co	$333	$56
Country Financial	$1131	$190
Erie	$1389	$234
Travelers	$1471	$248
USAA	$2562	$431
American Family	$3069	$517
State Farm	$4416	$743
Progressive	$4424	$745
Allstate	$5139	$865
Farmers	$5230	$881
AAA	$475	$81

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 Blue Island.

As young drivers face the highest rates in Blue Island, AutoOwners offers the cheapest auto insurance rates at $990 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 Blue Island, Mercury is the cheapest car insurance provider. At $316 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 State Farm, offering rates of around $4350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$316	$53
Westfield	$416	$71
Hanover	$557	$92
Country Financial	$832	$140
Travelers	$923	$155
Progressive	$1322	$223
American Family	$1621	$273
USAA	$2153	$367
Allstate	$3535	$589
Farmers	$4067	$692
State Farm	$4350	$725

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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 AutoOwners Insurance Co and Westfield, offering $349 and $357, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $416.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$349	$59
Westfield	$357	$60
Mercury	$458	$76
Travelers	$798	$134
Erie	$806	$136
Country Financial	$815	$137
State Farm	$1205	$203
USAA	$1239	$209
American Family	$1389	$234
Progressive	$2005	$337
Farmers	$2212	$372
Allstate	$3668	$617
AAA	$591	$101
First Chicago	$382	$64
Hastings Mutual	$416	$71

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 $1148 for a six month policy. While the rate increases by $308 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	$1372	$228
One Med/PIP claim	$1380	$235
Not-at-fault accident	$1456	$242
One comp claim	$1488	$253
Two Med/PIP claims	$1488	$248
Failure to wear a seat belt	$1596	$272
Driving without lights	$1613	$269
Child safety restraint	$1621	$276
Two comp claims	$1621	$270
Failure to show documents	$1646	$280
Speeding 6 - 10 MPH over limit	$1680	$280
Driving with expired registration	$1688	$287
Speeding 11 - 15 MPH over limit	$1722	$287
Driving too slowly	$1730	$294
Failure to yield	$1730	$288
Illegal turn	$1730	$294
At-fault accident - less than $1000	$1746	$291
Failure to stop at a red light	$1746	$297
Following too closely	$1746	$291
Speeding 16 - 20 MPH over limit	$1754	$298
Speeding in school zone	$1754	$293
Improper passing	$1763	$300
Wrong way/wrong lane	$1763	$294
Cell phone violation	$1796	$305
Texting while driving	$1796	$300
Passing school bus	$1813	$308
In 65 MPH zone	$1821	$304
Speeding 21 - 25 MPH over limit	$1838	$312
Operating a vehicle without permission	$1872	$312
At-fault accident - $1000-$2000	$1988	$337
At-fault accident - greater than $2000	$2020	$337
Open container	$2087	$356
Reckless driving	$2421	$403
Racing	$2444	$416
Driving with a suspended license	$2495	$416
Refusal to submit to a chemical test	$2512	$427
DUI	$2520	$420
Leaving scene of an accident/hit and run	$2545	$433

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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 $316 for a six-month policy. However, it can be as expensive as $3567 with companies like Farmers.

Blue Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$316	$53
Travelers	$848	$143
Erie	$981	$165
Progressive	$1023	$172
Country Financial	$1289	$217
American Family	$1572	$265
State Farm	$1705	$287
USAA	$1996	$336
Allstate	$3135	$528
Farmers	$3567	$606

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 $266. However, it can be as expensive as $6537 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	$266	$45
Auto-Owners Insurance Co	$300	$50
Mercury	$325	$55
Erie	$349	$59
Hanover	$399	$67
Country Financial	$840	$141
USAA	$1089	$182
State Farm	$1488	$253
Travelers	$1688	$281
Progressive	$1746	$297
American Family	$1938	$326
Allstate	$5555	$945
Farmers	$6537	$1089

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 rose by $270 in December compared to $267 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 Blue Island rose to $74 in December, compared to $71 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Blue Island?

The car insurance in Blue Island is $35 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 $106 per month for full coverage.

How much is car insurance in Blue Island for teenagers?

Car insurance for teenagers costs $266 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 $869 for a six-month policy. It will cost around $203 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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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