Cheapest Car Insurance Quotes in Burnham

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Burnham Car Insurance

^$ 38

/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 Burnham

The car insurance rate in Burnham is $1324 for a six-month policy, which is $453 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $541, making it a popular choice for budget-conscious drivers. Rates in Burnham 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 Burnham

$1324

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Burnham

1st place: American Family

At $541 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 $678 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $768 for six months, making it the third cheapest auto insurance company in Burnham.

Burnham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Burnham, IL is American Family, offering policies at just $541 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $678.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1427 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Burnham drivers find the best deals.

Cheap Car Insurance Companies in Burnham, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$541	$93
Auto-Owners Insurance Co	$678	$112
Westfield	$768	$131
Travelers	$983	$166
Country Financial	$1047	$176
Erie	$1219	$205
USAA	$1453	$245
Auto-Owners	$1499	$252
Progressive	$1535	$258
State Farm	$1652	$278
Farmers	$1815	$309
Allstate	$2610	$439
Hanover	$1427	$237

Key Takeaways

Way's key takeaways about car insurance in Burnham

The auto insurance costs in Burnham fall around $541 for six months.
The cheapest auto insurance company in Burnham is Mercury.
Teen drivers pay the highest rate in Burnham at $88 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Burnham

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 Burnham are given below.

Mercury provides the cheapest minimum car insurance coverage in Burnham. Their Average 6 Month Premium is $226. AAA is the most expensive at $388 for the same period.

Cheapest Liability Coverage in Burnham, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$226	$38
Westfield	$243	$41
Auto-Owners Insurance Co	$289	$49
American Family	$307	$52
Erie	$378	$64
Travelers	$415	$70
Auto-Owners	$424	$71
Country Financial	$424	$71
USAA	$524	$88
State Farm	$559	$94
Progressive	$587	$99
Allstate	$866	$146
Farmers	$1129	$192
Hanover	$271	$46
AAA	$388	$65

Cheapest Full Coverage Car Insurance in Burnham

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 Burnham is American Family at $93 per month and $541 for six months.

Cheapest Full Coverage Car Insurance Quotes in Burnham, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$541	$93
Auto-Owners Insurance Co	$678	$112
Westfield	$768	$131
Travelers	$983	$166
Country Financial	$1047	$176
Erie	$1219	$205
USAA	$1453	$245
Auto-Owners	$1499	$252
Progressive	$1535	$258
State Farm	$1652	$278
Farmers	$1815	$309
Allstate	$2610	$439
Hanover	$1427	$237

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Average Car Insurance in Burnham 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 Burnham, IL increasing?

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

Car Insurance Premiums by Age in Burnham

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 Burnham,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Burnham at $49 per month. At $515 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$289	$49
American Family	$334	$56
Mercury	$334	$56
Auto-Owners Insurance Co	$362	$61
Farmers	$587	$97
Country Financial	$1643	$277
Travelers	$1716	$289
Erie	$1950	$328
USAA	$2961	$499
Auto-Owners	$3233	$550
Progressive	$4551	$766
State Farm	$5626	$947
Allstate	$6139	$1034
AAA	$515	$88

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 Burnham, Mercury is the cheapest car insurance provider. At $344 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 Burnham is Farmers, offering rates of around $4416 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$344	$58
Westfield	$451	$76
American Family	$568	$97
Hanover	$605	$100
Travelers	$1084	$182
Country Financial	$1219	$205
Progressive	$1508	$254
USAA	$2672	$445
Erie	$2908	$494
Auto-Owners	$4136	$689
Allstate	$4732	$804
State Farm	$7060	$1176
Farmers	$4416	$751

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Car Insurance Rates with An Accident in Burnham

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

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

The cheapest car insurance companies after an at-fault accident in Burnham include American Family and AutoOwners Insurance Co, offering $362 and $378, respectively. AAA is an expensive provider with an average six-month premium of $641.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$362	$61
Auto-Owners Insurance Co	$378	$64
Westfield	$388	$65
Mercury	$497	$85
Farmers	$740	$123
Travelers	$912	$154
Erie	$1129	$190
Country Financial	$1201	$202
State Farm	$1517	$255
USAA	$1625	$274
Auto-Owners	$1698	$283
Progressive	$2294	$386
Allstate	$4451	$749
AAA	$641	$109

Burnham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Burnham IL. For example, the car insurance in Burnham after a DUI increases to $1246 for a six month policy. While the rate increases by $334 for a six-month policy in the case of a speeding ticket.

Burnham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1490	$248
One Med/PIP claim	$1499	$255
Not-at-fault accident	$1581	$263
One comp claim	$1616	$275
Two Med/PIP claims	$1616	$269
Failure to wear a seat belt	$1733	$295
Driving without lights	$1751	$292
Child safety restraint	$1760	$299
Two comp claims	$1760	$293
Failure to show documents	$1788	$304
Speeding 6 - 10 MPH over limit	$1824	$304
Driving with expired registration	$1833	$312
Speeding 11 - 15 MPH over limit	$1870	$312
Driving too slowly	$1879	$319
Failure to yield	$1879	$313
Illegal turn	$1879	$319
At-fault accident - less than $1000	$1895	$316
Failure to stop at a red light	$1895	$322
Following too closely	$1895	$316
Speeding 16 - 20 MPH over limit	$1905	$324
Speeding in school zone	$1905	$318
Improper passing	$1914	$325
Wrong way/wrong lane	$1914	$319
Cell phone violation	$1950	$331
Texting while driving	$1950	$325
Passing school bus	$1968	$334
In 65 MPH zone	$1978	$330
Speeding 21 - 25 MPH over limit	$1996	$339
Operating a vehicle without permission	$2032	$339
At-fault accident - $1000-$2000	$2158	$366
At-fault accident - greater than $2000	$2193	$366
Open container	$2266	$386
Reckless driving	$2628	$438
Racing	$2654	$451
Driving with a suspended license	$2709	$451
Refusal to submit to a chemical test	$2727	$464
DUI	$2736	$456
Leaving scene of an accident/hit and run	$2763	$470

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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 Burnham 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 Burnham.

The cheapest car insurance premiums in Burnham are offered by Mercury at $344 for a six-month policy. However, it can be as expensive as $3873 with companies like Farmers.

Burnham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$344	$58
American Family	$362	$61
Travelers	$967	$163
Progressive	$1164	$196
Erie	$1391	$234
Country Financial	$1616	$272
USAA	$2221	$374
State Farm	$2285	$385
Auto-Owners	$2411	$410
Allstate	$3829	$644
Farmers	$3873	$658

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 Burnham are offered by Westfield at $289. However, it can be as expensive as $7097 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Burnham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$289	$49
Auto-Owners Insurance Co	$325	$55
Mercury	$353	$59
American Family	$362	$61
Hanover	$433	$73
Erie	$903	$152
Country Financial	$1084	$182
Travelers	$1373	$228
Auto-Owners	$1391	$237
State Farm	$1742	$290
USAA	$1923	$327
Progressive	$1968	$328
Allstate	$4099	$698
Farmers	$7097	$1183

Car Insurance Price Trends in Burnham, Illinois

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

The average cost of full coverage in the Burnham dipped by $257 in January compared to $293 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 Burnham dipped to $78 in January, compared to $81 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 Burnham?

The car insurance in Burnham is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Burnham?

The cheapest car insurance in Burnham is $93 per month for full coverage.

How much is car insurance in Burnham for teenagers?

Car insurance for teenagers costs $289 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 Burnham?

The average cost of car insurance is $871 for a six-month policy. It will cost around $222 per month to insure your car in Burnham.

Is car insurance expensive in Burnham?

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

Cheapest Car Insurance Quotes in Burnham

Why you can trust Way?

How Much Is Car Insurance in Burnham

Avg. Car Insurance in Burnham

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Burnham

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Burnham Car Insurance Rates by Company

Cheap Car Insurance Companies in Burnham, IL

Way's key takeaways about car insurance in Burnham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Burnham

Cheapest Liability Coverage in Burnham, IL

Cheapest Full Coverage Car Insurance in Burnham

Cheapest Full Coverage Car Insurance Quotes in Burnham, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Burnham by Rating Factor

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

Car Insurance Premiums by Age in Burnham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Burnham,IL

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

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 Burnham

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

Burnham Car Insurance Rates by Violation

Burnham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Burnham after a DUI

Burnham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Burnham after Speeding ticket

Car Insurance Price Trends in Burnham, Illinois

Average Car Insurance Cost in Burnham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Burnham, IL

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

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