Cheapest Car Insurance Quotes in Buffalo Grove

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Buffalo Grove 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 Buffalo Grove

The car insurance rate in Buffalo Grove is $947 for a six-month policy, which is $78 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Buffalo Grove 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 Buffalo Grove

$947

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Buffalo Grove

1st place: AutoOwners Insurance Co

At $486 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 $550 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 $577 for six months, making it the third cheapest auto insurance company in Buffalo Grove.

Buffalo Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Buffalo Grove, IL is AutoOwners Insurance Co, offering policies at just $486 for a six-month term. This is followed by Westfield, which has an average six-month premium of $550.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $881 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buffalo Grove drivers find the best deals.

Cheap Car Insurance Companies in Buffalo Grove, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$486	$83
Westfield	$550	$92
Country Financial	$577	$97
Travelers	$687	$116
American Family	$797	$134
Erie	$835	$140
USAA	$984	$166
State Farm	$991	$167
Progressive	$1088	$183
Auto-Owners	$1146	$191
Allstate	$1645	$277
Farmers	$1645	$277
Hanover	$1024	$170
Mercury	$874	$146
Hastings Mutual	$881	$149

Key Takeaways

Way's key takeaways about car insurance in Buffalo Grove

The auto insurance costs in Buffalo Grove fall around $486 for six months.
The cheapest auto insurance company in Buffalo Grove is Mercury.
Teen drivers pay the highest rate in Buffalo Grove at $63 per month.

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Cheapest Minimum Liability Car Insurance in Buffalo Grove

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 Buffalo Grove are given below.

Mercury provides the cheapest minimum car insurance coverage in Buffalo Grove. Their Average 6 Month Premium is $162. First Chicago is the most expensive at $214 for the same period.

Cheapest Liability Coverage in Buffalo Grove, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$162	$27
Westfield	$174	$29
Auto-Owners Insurance Co	$207	$35
Country Financial	$220	$37
Erie	$271	$46
Auto-Owners	$298	$50
Travelers	$298	$50
American Family	$343	$58
State Farm	$343	$58
USAA	$363	$61
Progressive	$421	$71
Allstate	$661	$111
Farmers	$810	$137
Hanover	$194	$33
AAA	$278	$47
First Chicago	$214	$36

Cheapest Full Coverage Car Insurance in Buffalo Grove

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 Buffalo Grove is AutoOwners Insurance Co at $83 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buffalo Grove, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$486	$83
Westfield	$550	$92
Country Financial	$577	$97
Travelers	$687	$116
American Family	$797	$134
Erie	$835	$140
USAA	$984	$166
State Farm	$991	$167
Progressive	$1088	$183
Auto-Owners	$1146	$191
Allstate	$1645	$277
Farmers	$1645	$277
Hanover	$1024	$170
Mercury	$874	$146
Hastings Mutual	$881	$149

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Average Car Insurance in Buffalo Grove 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 Buffalo Grove, IL increasing?

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

Car Insurance Premiums by Age in Buffalo Grove

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	$771
30s	Auto-Owners	$533
40s	Auto-Owners	$523
50s	Auto-Owners	$494
60s	Auto-Owners	$519
70s	Auto-Owners	$658

Cheapest Car Insurance Rates for Teen Drivers in Buffalo Grove,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Buffalo Grove at $35 per month. At $370 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$207	$35
Mercury	$240	$40
Auto-Owners Insurance Co	$259	$44
Country Financial	$881	$148
Erie	$1081	$182
Travelers	$1146	$193
USAA	$1995	$336
American Family	$2389	$402
State Farm	$3438	$579
Progressive	$3444	$580
Allstate	$4001	$674
Farmers	$4072	$686
AAA	$370	$63

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 Buffalo Grove.

As young drivers face the highest rates in Buffalo Grove, AutoOwners offers the cheapest auto insurance rates at $771 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 Buffalo Grove, Mercury is the cheapest car insurance provider. At $246 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 Buffalo Grove is State Farm, offering rates of around $3387 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
Westfield	$324	$56
Hanover	$434	$72
Country Financial	$647	$109
Travelers	$718	$121
Progressive	$1029	$173
American Family	$1262	$213
USAA	$1676	$286
Allstate	$2752	$459
Farmers	$3166	$538
State Farm	$3387	$565

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Car Insurance Rates with An Accident in Buffalo Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Buffalo Grove

The cheapest car insurance companies after an at-fault accident in Buffalo Grove include AutoOwners Insurance Co and Westfield, offering $271 and $278, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $324.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$271	$46
Westfield	$278	$47
Mercury	$356	$59
Travelers	$621	$105
Erie	$628	$106
Country Financial	$634	$107
State Farm	$938	$158
USAA	$965	$162
American Family	$1081	$182
Progressive	$1561	$263
Farmers	$1722	$290
Allstate	$2856	$481
AAA	$460	$78
First Chicago	$298	$50
Hastings Mutual	$324	$56

Buffalo Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buffalo Grove IL. For example, the car insurance in Buffalo Grove after a DUI increases to $894 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Buffalo Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1068	$178
One Med/PIP claim	$1075	$183
Not-at-fault accident	$1134	$189
One comp claim	$1159	$197
Two Med/PIP claims	$1159	$193
Failure to wear a seat belt	$1243	$211
Driving without lights	$1256	$209
Child safety restraint	$1262	$215
Two comp claims	$1262	$210
Failure to show documents	$1282	$218
Speeding 6 - 10 MPH over limit	$1308	$218
Driving with expired registration	$1315	$223
Speeding 11 - 15 MPH over limit	$1341	$223
Driving too slowly	$1347	$229
Failure to yield	$1347	$225
Illegal turn	$1347	$229
At-fault accident - less than $1000	$1359	$227
Failure to stop at a red light	$1359	$231
Following too closely	$1359	$227
Speeding 16 - 20 MPH over limit	$1366	$232
Speeding in school zone	$1366	$228
Improper passing	$1372	$233
Wrong way/wrong lane	$1372	$229
Cell phone violation	$1398	$238
Texting while driving	$1398	$233
Passing school bus	$1412	$240
In 65 MPH zone	$1418	$237
Speeding 21 - 25 MPH over limit	$1431	$243
Operating a vehicle without permission	$1457	$243
At-fault accident - $1000-$2000	$1548	$263
At-fault accident - greater than $2000	$1573	$263
Open container	$1625	$277
Reckless driving	$1885	$314
Racing	$1903	$324
Driving with a suspended license	$1942	$324
Refusal to submit to a chemical test	$1955	$332
DUI	$1962	$327
Leaving scene of an accident/hit and run	$1982	$337

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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 Buffalo Grove 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 Buffalo Grove.

The cheapest car insurance premiums in Buffalo Grove are offered by Mercury at $246 for a six-month policy. However, it can be as expensive as $2777 with companies like Farmers.

Buffalo Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
Travelers	$661	$111
Erie	$764	$129
Progressive	$797	$134
Country Financial	$1004	$169
American Family	$1224	$206
State Farm	$1328	$223
USAA	$1554	$262
Allstate	$2441	$411
Farmers	$2777	$472

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 Buffalo Grove are offered by Westfield at $207. However, it can be as expensive as $5089 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Buffalo Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$207	$35
Auto-Owners Insurance Co	$233	$39
Mercury	$253	$43
Erie	$271	$46
Hanover	$311	$52
Country Financial	$654	$110
USAA	$848	$142
State Farm	$1159	$197
Travelers	$1315	$219
Progressive	$1359	$231
American Family	$1509	$254
Allstate	$4325	$736
Farmers	$5089	$848

Car Insurance Price Trends in Buffalo Grove, Illinois

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

The average cost of full coverage in the Buffalo Grove rose by $210 in December compared to $208 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Buffalo Grove rose to $58 in December, compared to $56 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 Buffalo Grove?

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

What is the cheapest car insurance in Buffalo Grove?

The cheapest car insurance in Buffalo Grove is $83 per month for full coverage.

How much is car insurance in Buffalo Grove for teenagers?

Car insurance for teenagers costs $207 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 Buffalo Grove?

The average cost of car insurance is $869 for a six-month policy. It will cost around $158 per month to insure your car in Buffalo Grove.

Is car insurance expensive in Buffalo Grove?

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

Cheapest Car Insurance Quotes in Buffalo Grove

Why you can trust Way?

How Much Is Car Insurance in Buffalo Grove

Avg. Car Insurance in Buffalo Grove

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Buffalo Grove

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Buffalo Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Buffalo Grove, IL

Way's key takeaways about car insurance in Buffalo Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Buffalo Grove

Cheapest Liability Coverage in Buffalo Grove, IL

Cheapest Full Coverage Car Insurance in Buffalo Grove

Cheapest Full Coverage Car Insurance Quotes in Buffalo Grove, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Buffalo Grove by Rating Factor

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

Car Insurance Premiums by Age in Buffalo Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Buffalo Grove,IL

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

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 Buffalo Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Buffalo Grove

Buffalo Grove Car Insurance Rates by Violation

Buffalo Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Buffalo Grove after a DUI

Buffalo Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Buffalo Grove after Speeding ticket

Car Insurance Price Trends in Buffalo Grove, Illinois

Average Car Insurance Cost in Buffalo Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Buffalo Grove, IL

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

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