Cheapest Car Insurance Quotes in Burnham

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Burnham Car Insurance

^$ 36

/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 $1234 for a six-month policy, which is $365 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $633, 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

$1234

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Burnham

1st place: AutoOwners Insurance Co

At $633 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 $717 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 $751 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 AutoOwners Insurance Co, offering policies at just $633 for a six-month term. This is followed by Westfield, which has an average six-month premium of $717.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1147 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
Auto-Owners Insurance Co	$633	$108
Westfield	$717	$119
Country Financial	$751	$126
Travelers	$895	$151
American Family	$1038	$175
Erie	$1088	$182
USAA	$1282	$216
State Farm	$1291	$217
Progressive	$1417	$239
Auto-Owners	$1492	$249
Allstate	$2143	$361
Farmers	$2143	$361
Hanover	$1333	$222
Mercury	$1139	$190
Hastings Mutual	$1147	$195

Key Takeaways

Way's key takeaways about car insurance in Burnham

The auto insurance costs in Burnham fall around $633 for six months.
The cheapest auto insurance company in Burnham is Mercury.
Teen drivers pay the highest rate in Burnham at $82 per month.

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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 $212. First Chicago is the most expensive at $278 for the same period.

Cheapest Liability Coverage in Burnham, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$212	$36
Westfield	$227	$38
Auto-Owners Insurance Co	$270	$45
Country Financial	$287	$48
Erie	$354	$60
Auto-Owners	$388	$65
Travelers	$388	$65
American Family	$447	$75
State Farm	$447	$75
USAA	$473	$80
Progressive	$548	$92
Allstate	$861	$145
Farmers	$1055	$179
Hanover	$253	$43
AAA	$362	$61
First Chicago	$278	$47

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 AutoOwners Insurance Co at $108 per month and $633 for six months.

Cheapest Full Coverage Car Insurance Quotes in Burnham, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$633	$108
Westfield	$717	$119
Country Financial	$751	$126
Travelers	$895	$151
American Family	$1038	$175
Erie	$1088	$182
USAA	$1282	$216
State Farm	$1291	$217
Progressive	$1417	$239
Auto-Owners	$1492	$249
Allstate	$2143	$361
Farmers	$2143	$361
Hanover	$1333	$222
Mercury	$1139	$190
Hastings Mutual	$1147	$195

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$1004
30s	Auto-Owners	$694
40s	Auto-Owners	$682
50s	Auto-Owners	$643
60s	Auto-Owners	$676
70s	Auto-Owners	$858

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 $45 per month. At $481 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$270	$45
Mercury	$312	$53
Auto-Owners Insurance Co	$338	$57
Country Financial	$1147	$193
Erie	$1409	$237
Travelers	$1492	$251
USAA	$2599	$437
American Family	$3113	$524
State Farm	$4479	$754
Progressive	$4487	$755
Allstate	$5213	$878
Farmers	$5305	$893
AAA	$481	$82

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 Burnham.

As young drivers face the highest rates in Burnham, AutoOwners offers the cheapest auto insurance rates at $1004 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 Burnham, Mercury is the cheapest car insurance provider. At $321 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 State Farm, offering rates of around $4412 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$321	$54
Westfield	$422	$72
Hanover	$565	$94
Country Financial	$843	$142
Travelers	$936	$158
Progressive	$1340	$226
American Family	$1644	$277
USAA	$2184	$372
Allstate	$3586	$598
Farmers	$4125	$701
State Farm	$4412	$736

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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 AutoOwners Insurance Co and Westfield, offering $354 and $362, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $422.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$354	$60
Westfield	$362	$61
Mercury	$464	$77
Travelers	$809	$136
Erie	$818	$138
Country Financial	$826	$139
State Farm	$1223	$206
USAA	$1257	$212
American Family	$1409	$237
Progressive	$2033	$342
Farmers	$2244	$378
Allstate	$3720	$626
AAA	$599	$102
First Chicago	$388	$65
Hastings Mutual	$422	$72

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 $1164 for a six month policy. While the rate increases by $312 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	$1392	$231
One Med/PIP claim	$1400	$239
Not-at-fault accident	$1477	$246
One comp claim	$1509	$257
Two Med/PIP claims	$1509	$251
Failure to wear a seat belt	$1619	$275
Driving without lights	$1636	$273
Child safety restraint	$1644	$280
Two comp claims	$1644	$274
Failure to show documents	$1670	$284
Speeding 6 - 10 MPH over limit	$1704	$284
Driving with expired registration	$1713	$291
Speeding 11 - 15 MPH over limit	$1747	$291
Driving too slowly	$1755	$298
Failure to yield	$1755	$293
Illegal turn	$1755	$298
At-fault accident - less than $1000	$1771	$295
Failure to stop at a red light	$1771	$301
Following too closely	$1771	$295
Speeding 16 - 20 MPH over limit	$1779	$302
Speeding in school zone	$1779	$297
Improper passing	$1788	$304
Wrong way/wrong lane	$1788	$298
Cell phone violation	$1822	$310
Texting while driving	$1822	$304
Passing school bus	$1839	$312
In 65 MPH zone	$1847	$308
Speeding 21 - 25 MPH over limit	$1864	$317
Operating a vehicle without permission	$1899	$317
At-fault accident - $1000-$2000	$2016	$342
At-fault accident - greater than $2000	$2049	$342
Open container	$2117	$361
Reckless driving	$2455	$409
Racing	$2479	$422
Driving with a suspended license	$2530	$422
Refusal to submit to a chemical test	$2547	$433
DUI	$2556	$426
Leaving scene of an accident/hit and run	$2582	$439

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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 $321 for a six-month policy. However, it can be as expensive as $3618 with companies like Farmers.

Burnham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$321	$54
Travelers	$861	$145
Erie	$995	$168
Progressive	$1038	$175
Country Financial	$1308	$220
American Family	$1595	$268
State Farm	$1730	$291
USAA	$2025	$341
Allstate	$3179	$535
Farmers	$3618	$615

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 $270. However, it can be as expensive as $6630 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	$270	$45
Auto-Owners Insurance Co	$304	$51
Mercury	$329	$55
Erie	$354	$60
Hanover	$405	$68
Country Financial	$852	$143
USAA	$1105	$185
State Farm	$1509	$257
Travelers	$1713	$285
Progressive	$1771	$301
American Family	$1965	$331
Allstate	$5635	$959
Farmers	$6630	$1105

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 rose by $274 in December compared to $271 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 Burnham rose to $75 in December, compared to $72 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 Burnham?

The car insurance in Burnham is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Burnham?

The cheapest car insurance in Burnham is $108 per month for full coverage.

How much is car insurance in Burnham for teenagers?

Car insurance for teenagers costs $270 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 $869 for a six-month policy. It will cost around $206 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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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