Cheapest Car Insurance Quotes in Burr Ridge

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Burr Ridge 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 Burr Ridge

The car insurance rate in Burr Ridge is $949 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 $388, making it a popular choice for budget-conscious drivers. Rates in Burr Ridge 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 Burr Ridge

$949

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Burr Ridge

1st place: American Family

At $388 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 $486 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $550 for six months, making it the third cheapest auto insurance company in Burr Ridge.

Burr Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Burr Ridge, IL is American Family, offering policies at just $388 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $486.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1024 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Burr Ridge drivers find the best deals.

Cheap Car Insurance Companies in Burr Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$66
Auto-Owners Insurance Co	$486	$81
Westfield	$550	$94
Travelers	$705	$119
Country Financial	$751	$126
Erie	$874	$147
USAA	$1042	$175
Auto-Owners	$1075	$181
Progressive	$1101	$185
State Farm	$1185	$199
Farmers	$1301	$221
Allstate	$1872	$315
Hanover	$1024	$170

Key Takeaways

Way's key takeaways about car insurance in Burr Ridge

The auto insurance costs in Burr Ridge fall around $388 for six months.
The cheapest auto insurance company in Burr Ridge is Mercury.
Teen drivers pay the highest rate in Burr Ridge at $63 per month.

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Cheapest Minimum Liability Car Insurance in Burr Ridge

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 Burr Ridge are given below.

Mercury provides the cheapest minimum car insurance coverage in Burr Ridge. Their Average 6 Month Premium is $162. AAA is the most expensive at $278 for the same period.

Cheapest Liability Coverage in Burr Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$162	$27
Westfield	$174	$29
Auto-Owners Insurance Co	$207	$35
American Family	$220	$37
Erie	$271	$46
Travelers	$298	$50
Auto-Owners	$304	$51
Country Financial	$304	$51
USAA	$376	$63
State Farm	$401	$68
Progressive	$421	$71
Allstate	$621	$105
Farmers	$810	$137
Hanover	$194	$33
AAA	$278	$47

Cheapest Full Coverage Car Insurance in Burr Ridge

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 Burr Ridge is American Family at $66 per month and $388 for six months.

Cheapest Full Coverage Car Insurance Quotes in Burr Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$66
Auto-Owners Insurance Co	$486	$81
Westfield	$550	$94
Travelers	$705	$119
Country Financial	$751	$126
Erie	$874	$147
USAA	$1042	$175
Auto-Owners	$1075	$181
Progressive	$1101	$185
State Farm	$1185	$199
Farmers	$1301	$221
Allstate	$1872	$315
Hanover	$1024	$170

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Average Car Insurance in Burr Ridge 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 Burr Ridge, IL increasing?

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

Car Insurance Premiums by Age in Burr Ridge

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 Burr Ridge,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Burr Ridge 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
American Family	$240	$40
Mercury	$240	$40
Auto-Owners Insurance Co	$259	$44
Farmers	$421	$70
Country Financial	$1178	$198
Travelers	$1231	$207
Erie	$1398	$235
USAA	$2123	$358
Auto-Owners	$2318	$395
Progressive	$3263	$549
State Farm	$4034	$679
Allstate	$4403	$741
AAA	$370	$63

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 Burr Ridge, 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 Burr Ridge is Farmers, offering rates of around $3166 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
Westfield	$324	$55
American Family	$408	$70
Hanover	$434	$72
Travelers	$777	$131
Country Financial	$874	$147
Progressive	$1081	$182
USAA	$1916	$319
Erie	$2085	$354
Auto-Owners	$2966	$494
Allstate	$3393	$577
State Farm	$5063	$844
Farmers	$3166	$538

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Save up to $971/yr on car insurance rates in Burr Ridge.

Car Insurance Rates with An Accident in Burr Ridge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Burr Ridge

The cheapest car insurance companies after an at-fault accident in Burr Ridge include American Family and AutoOwners Insurance Co, offering $259 and $271, respectively. AAA is an expensive provider with an average six-month premium of $460.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$259	$44
Auto-Owners Insurance Co	$271	$46
Westfield	$278	$47
Mercury	$356	$61
Farmers	$531	$88
Travelers	$654	$110
Erie	$810	$136
Country Financial	$861	$145
State Farm	$1088	$183
USAA	$1165	$196
Auto-Owners	$1218	$203
Progressive	$1645	$277
Allstate	$3192	$537
AAA	$460	$78

Burr Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Burr Ridge IL. For example, the car insurance in Burr Ridge 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.

Burr Ridge 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 Burr Ridge 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 Burr Ridge.

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

Burr Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
American Family	$259	$44
Travelers	$693	$117
Progressive	$835	$141
Erie	$997	$168
Country Financial	$1159	$195
USAA	$1592	$268
State Farm	$1638	$276
Auto-Owners	$1729	$294
Allstate	$2746	$462
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 Burr Ridge 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 Burr Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$207	$35
Auto-Owners Insurance Co	$233	$39
Mercury	$253	$43
American Family	$259	$44
Hanover	$311	$52
Erie	$647	$109
Country Financial	$777	$131
Travelers	$984	$164
Auto-Owners	$997	$170
State Farm	$1249	$208
USAA	$1379	$234
Progressive	$1412	$235
Allstate	$2940	$500
Farmers	$5089	$848

Car Insurance Price Trends in Burr Ridge, Illinois

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

The average cost of full coverage in the Burr Ridge dipped by $184 in January compared to $210 of December. In other words, there has been an decrease by $26 when you compare January and December.

The average cost of liability insurance in the Burr Ridge dipped to $56 in January, compared to $58 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Burr Ridge?

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

What is the cheapest car insurance in Burr Ridge?

The cheapest car insurance in Burr Ridge is $66 per month for full coverage.

How much is car insurance in Burr Ridge 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 Burr Ridge?

The average cost of car insurance is $871 for a six-month policy. It will cost around $159 per month to insure your car in Burr Ridge.

Is car insurance expensive in Burr Ridge?

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

Cheapest Car Insurance Quotes in Burr Ridge

Why you can trust Way?

How Much Is Car Insurance in Burr Ridge

Avg. Car Insurance in Burr Ridge

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Burr Ridge

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Burr Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Burr Ridge, IL

Way's key takeaways about car insurance in Burr Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Burr Ridge

Cheapest Liability Coverage in Burr Ridge, IL

Cheapest Full Coverage Car Insurance in Burr Ridge

Cheapest Full Coverage Car Insurance Quotes in Burr Ridge, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Burr Ridge by Rating Factor

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

Car Insurance Premiums by Age in Burr Ridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Burr Ridge,IL

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

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 Burr Ridge

Cheapest Car Insurance Companies after an At-Fault Accident in Burr Ridge

Burr Ridge Car Insurance Rates by Violation

Burr Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Burr Ridge after a DUI

Burr Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Burr Ridge after Speeding ticket

Car Insurance Price Trends in Burr Ridge, Illinois

Average Car Insurance Cost in Burr Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Burr Ridge, IL

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

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