Cheapest Car Insurance Quotes in Calumet City

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Calumet City Car Insurance

^$ 39

/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 Calumet City

The car insurance rate in Calumet City is $1359 for a six-month policy, which is $488 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $555, making it a popular choice for budget-conscious drivers. Rates in Calumet City 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 Calumet City

$1359

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Calumet City

1st place: American Family

At $555 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 $696 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $788 for six months, making it the third cheapest auto insurance company in Calumet City.

Calumet City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Calumet City, IL is American Family, offering policies at just $555 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $696.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1465 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Calumet City drivers find the best deals.

Cheap Car Insurance Companies in Calumet City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$555	$95
Auto-Owners Insurance Co	$696	$115
Westfield	$788	$134
Travelers	$1009	$170
Country Financial	$1075	$181
Erie	$1251	$211
USAA	$1491	$251
Auto-Owners	$1538	$259
Progressive	$1576	$265
State Farm	$1696	$285
Farmers	$1863	$317
Allstate	$2679	$451
Hanover	$1465	$243

Key Takeaways

Way's key takeaways about car insurance in Calumet City

The auto insurance costs in Calumet City fall around $555 for six months.
The cheapest auto insurance company in Calumet City is Mercury.
Teen drivers pay the highest rate in Calumet City at $90 per month.

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Cheapest Minimum Liability Car Insurance in Calumet City

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 Calumet City are given below.

Mercury provides the cheapest minimum car insurance coverage in Calumet City. Their Average 6 Month Premium is $232. AAA is the most expensive at $398 for the same period.

Cheapest Liability Coverage in Calumet City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$232	$39
Westfield	$250	$42
Auto-Owners Insurance Co	$296	$50
American Family	$315	$53
Erie	$388	$66
Travelers	$426	$72
Auto-Owners	$435	$73
Country Financial	$435	$73
USAA	$538	$90
State Farm	$574	$97
Progressive	$602	$101
Allstate	$889	$150
Farmers	$1159	$197
Hanover	$278	$47
AAA	$398	$67

Cheapest Full Coverage Car Insurance in Calumet City

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 Calumet City is American Family at $95 per month and $555 for six months.

Cheapest Full Coverage Car Insurance Quotes in Calumet City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$555	$95
Auto-Owners Insurance Co	$696	$115
Westfield	$788	$134
Travelers	$1009	$170
Country Financial	$1075	$181
Erie	$1251	$211
USAA	$1491	$251
Auto-Owners	$1538	$259
Progressive	$1576	$265
State Farm	$1696	$285
Farmers	$1863	$317
Allstate	$2679	$451
Hanover	$1465	$243

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Average Car Insurance in Calumet City 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 Calumet City, IL increasing?

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

Car Insurance Premiums by Age in Calumet City

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 Calumet City,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Calumet City at $50 per month. At $529 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$296	$50
American Family	$343	$58
Mercury	$343	$58
Auto-Owners Insurance Co	$371	$62
Farmers	$602	$100
Country Financial	$1686	$284
Travelers	$1761	$296
Erie	$2001	$337
USAA	$3039	$512
Auto-Owners	$3318	$565
Progressive	$4671	$786
State Farm	$5774	$972
Allstate	$6301	$1061
AAA	$529	$90

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 Calumet City, Mercury is the cheapest car insurance provider. At $353 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 Calumet City is Farmers, offering rates of around $4532 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$353	$59
Westfield	$463	$78
American Family	$583	$100
Hanover	$621	$103
Travelers	$1112	$187
Country Financial	$1251	$211
Progressive	$1548	$261
USAA	$2742	$457
Erie	$2984	$507
Auto-Owners	$4245	$707
Allstate	$4856	$825
State Farm	$7246	$1207
Farmers	$4532	$771

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Calumet City.

Car Insurance Rates with An Accident in Calumet City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Calumet City

The cheapest car insurance companies after an at-fault accident in Calumet City include American Family and AutoOwners Insurance Co, offering $371 and $388, respectively. AAA is an expensive provider with an average six-month premium of $658.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$371	$62
Auto-Owners Insurance Co	$388	$66
Westfield	$398	$67
Mercury	$510	$87
Farmers	$760	$126
Travelers	$936	$158
Erie	$1159	$195
Country Financial	$1232	$207
State Farm	$1557	$262
USAA	$1668	$281
Auto-Owners	$1743	$290
Progressive	$2354	$396
Allstate	$4568	$769
AAA	$658	$112

Calumet City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Calumet City IL. For example, the car insurance in Calumet City after a DUI increases to $1279 for a six month policy. While the rate increases by $343 for a six-month policy in the case of a speeding ticket.

Calumet City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1529	$254
One Med/PIP claim	$1538	$262
Not-at-fault accident	$1622	$270
One comp claim	$1658	$282
Two Med/PIP claims	$1658	$276
Failure to wear a seat belt	$1778	$303
Driving without lights	$1797	$300
Child safety restraint	$1806	$307
Two comp claims	$1806	$301
Failure to show documents	$1835	$312
Speeding 6 - 10 MPH over limit	$1872	$312
Driving with expired registration	$1881	$320
Speeding 11 - 15 MPH over limit	$1919	$320
Driving too slowly	$1928	$328
Failure to yield	$1928	$321
Illegal turn	$1928	$328
At-fault accident - less than $1000	$1945	$324
Failure to stop at a red light	$1945	$331
Following too closely	$1945	$324
Speeding 16 - 20 MPH over limit	$1955	$332
Speeding in school zone	$1955	$326
Improper passing	$1964	$334
Wrong way/wrong lane	$1964	$328
Cell phone violation	$2001	$340
Texting while driving	$2001	$334
Passing school bus	$2020	$343
In 65 MPH zone	$2030	$339
Speeding 21 - 25 MPH over limit	$2048	$348
Operating a vehicle without permission	$2086	$348
At-fault accident - $1000-$2000	$2215	$376
At-fault accident - greater than $2000	$2251	$376
Open container	$2326	$396
Reckless driving	$2697	$449
Racing	$2724	$463
Driving with a suspended license	$2780	$463
Refusal to submit to a chemical test	$2799	$476
DUI	$2808	$468
Leaving scene of an accident/hit and run	$2836	$482

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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 Calumet City 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 Calumet City.

The cheapest car insurance premiums in Calumet City are offered by Mercury at $353 for a six-month policy. However, it can be as expensive as $3975 with companies like Farmers.

Calumet City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$353	$59
American Family	$371	$62
Travelers	$992	$167
Progressive	$1195	$201
Erie	$1427	$240
Country Financial	$1658	$279
USAA	$2279	$384
State Farm	$2345	$395
Auto-Owners	$2474	$421
Allstate	$3930	$661
Farmers	$3975	$675

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 Calumet City are offered by Westfield at $296. However, it can be as expensive as $7284 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Calumet City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$296	$50
Auto-Owners Insurance Co	$334	$56
Mercury	$362	$61
American Family	$371	$62
Hanover	$445	$75
Erie	$927	$156
Country Financial	$1112	$187
Travelers	$1409	$234
Auto-Owners	$1427	$243
State Farm	$1788	$298
USAA	$1973	$335
Progressive	$2020	$337
Allstate	$4207	$716
Farmers	$7284	$1214

Car Insurance Price Trends in Calumet City, Illinois

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

The average cost of full coverage in the Calumet City dipped by $264 in January compared to $301 of December. In other words, there has been an decrease by $37 when you compare January and December.

The average cost of liability insurance in the Calumet City dipped to $80 in January, compared to $83 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 Calumet City?

The car insurance in Calumet City is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Calumet City?

The cheapest car insurance in Calumet City is $95 per month for full coverage.

How much is car insurance in Calumet City for teenagers?

Car insurance for teenagers costs $296 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 Calumet City?

The average cost of car insurance is $871 for a six-month policy. It will cost around $228 per month to insure your car in Calumet City.

Is car insurance expensive in Calumet City?

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

Cheapest Car Insurance Quotes in Calumet City

Why you can trust Way?

How Much Is Car Insurance in Calumet City

Avg. Car Insurance in Calumet City

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Calumet City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Calumet City Car Insurance Rates by Company

Cheap Car Insurance Companies in Calumet City, IL

Way's key takeaways about car insurance in Calumet City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Calumet City

Cheapest Liability Coverage in Calumet City, IL

Cheapest Full Coverage Car Insurance in Calumet City

Cheapest Full Coverage Car Insurance Quotes in Calumet City, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Calumet City by Rating Factor

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

Car Insurance Premiums by Age in Calumet City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Calumet City,IL

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

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 Calumet City

Cheapest Car Insurance Companies after an At-Fault Accident in Calumet City

Calumet City Car Insurance Rates by Violation

Calumet City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Calumet City after a DUI

Calumet City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Calumet City after Speeding ticket

Car Insurance Price Trends in Calumet City, Illinois

Average Car Insurance Cost in Calumet City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Calumet City, IL

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

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