Cheapest Car Insurance Quotes in Calumet City

Finding the cheapest car insurance quotes in Calumet City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Calumet City Car Insurance

^$ 37

/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 $1295 for a six-month policy, which is $426 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $665, 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

$1295

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Calumet City

1st place: AutoOwners Insurance Co

At $665 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 $752 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 $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 AutoOwners Insurance Co, offering policies at just $665 for a six-month term. This is followed by Westfield, which has an average six-month premium of $752.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1204 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
Auto-Owners Insurance Co	$665	$113
Westfield	$752	$125
Country Financial	$788	$133
Travelers	$939	$158
American Family	$1089	$183
Erie	$1141	$191
USAA	$1345	$226
State Farm	$1354	$228
Progressive	$1487	$250
Auto-Owners	$1566	$261
Allstate	$2248	$378
Farmers	$2248	$378
Hanover	$1399	$232
Mercury	$1195	$200
Hastings Mutual	$1204	$204

Key Takeaways

Way's key takeaways about car insurance in Calumet City

The auto insurance costs in Calumet City fall around $665 for six months.
The cheapest auto insurance company in Calumet City is Mercury.
Teen drivers pay the highest rate in Calumet City at $86 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

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 $222. First Chicago is the most expensive at $292 for the same period.

Cheapest Liability Coverage in Calumet City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$222	$37
Westfield	$238	$40
Auto-Owners Insurance Co	$283	$48
Country Financial	$301	$51
Erie	$371	$63
Auto-Owners	$407	$69
Travelers	$407	$69
American Family	$469	$79
State Farm	$469	$79
USAA	$496	$83
Progressive	$575	$97
Allstate	$903	$152
Farmers	$1107	$188
Hanover	$265	$45
AAA	$380	$64
First Chicago	$292	$49

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 AutoOwners Insurance Co at $113 per month and $665 for six months.

Cheapest Full Coverage Car Insurance Quotes in Calumet City, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$665	$113
Westfield	$752	$125
Country Financial	$788	$133
Travelers	$939	$158
American Family	$1089	$183
Erie	$1141	$191
USAA	$1345	$226
State Farm	$1354	$228
Progressive	$1487	$250
Auto-Owners	$1566	$261
Allstate	$2248	$378
Farmers	$2248	$378
Hanover	$1399	$232
Mercury	$1195	$200
Hastings Mutual	$1204	$204

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Calumet City Instantly!

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$1053
30s	Auto-Owners	$729
40s	Auto-Owners	$715
50s	Auto-Owners	$675
60s	Auto-Owners	$709
70s	Auto-Owners	$900

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 $48 per month. At $505 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$283	$48
Mercury	$328	$55
Auto-Owners Insurance Co	$355	$60
Country Financial	$1204	$203
Erie	$1478	$249
Travelers	$1566	$264
USAA	$2727	$459
American Family	$3266	$550
State Farm	$4699	$791
Progressive	$4708	$793
Allstate	$5470	$921
Farmers	$5567	$937
AAA	$505	$86

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 Calumet City.

As young drivers face the highest rates in Calumet City, AutoOwners offers the cheapest auto insurance rates at $1053 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 Calumet City, Mercury is the cheapest car insurance provider. At $337 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 State Farm, offering rates of around $4629 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$337	$57
Westfield	$443	$76
Hanover	$593	$98
Country Financial	$885	$149
Travelers	$982	$165
Progressive	$1407	$237
American Family	$1725	$291
USAA	$2292	$390
Allstate	$3762	$627
Farmers	$4328	$736
State Farm	$4629	$772

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 AutoOwners Insurance Co and Westfield, offering $371 and $380, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$371	$63
Westfield	$380	$64
Mercury	$487	$80
Travelers	$849	$143
Erie	$858	$145
Country Financial	$867	$146
State Farm	$1283	$216
USAA	$1319	$222
American Family	$1478	$249
Progressive	$2134	$359
Farmers	$2354	$396
Allstate	$3904	$657
AAA	$629	$107
First Chicago	$407	$69
Hastings Mutual	$443	$76

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 $1222 for a six month policy. While the rate increases by $328 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	$1460	$243
One Med/PIP claim	$1469	$250
Not-at-fault accident	$1550	$258
One comp claim	$1584	$270
Two Med/PIP claims	$1584	$264
Failure to wear a seat belt	$1699	$289
Driving without lights	$1716	$286
Child safety restraint	$1725	$294
Two comp claims	$1725	$288
Failure to show documents	$1752	$298
Speeding 6 - 10 MPH over limit	$1788	$298
Driving with expired registration	$1797	$305
Speeding 11 - 15 MPH over limit	$1833	$305
Driving too slowly	$1842	$313
Failure to yield	$1842	$307
Illegal turn	$1842	$313
At-fault accident - less than $1000	$1858	$310
Failure to stop at a red light	$1858	$316
Following too closely	$1858	$310
Speeding 16 - 20 MPH over limit	$1867	$317
Speeding in school zone	$1867	$311
Improper passing	$1876	$319
Wrong way/wrong lane	$1876	$313
Cell phone violation	$1912	$325
Texting while driving	$1912	$319
Passing school bus	$1930	$328
In 65 MPH zone	$1938	$323
Speeding 21 - 25 MPH over limit	$1956	$332
Operating a vehicle without permission	$1992	$332
At-fault accident - $1000-$2000	$2116	$359
At-fault accident - greater than $2000	$2150	$359
Open container	$2222	$378
Reckless driving	$2576	$429
Racing	$2602	$443
Driving with a suspended license	$2655	$443
Refusal to submit to a chemical test	$2673	$454
DUI	$2682	$447
Leaving scene of an accident/hit and run	$2709	$460

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $337 for a six-month policy. However, it can be as expensive as $3797 with companies like Farmers.

Calumet City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$337	$57
Travelers	$903	$152
Erie	$1044	$176
Progressive	$1089	$183
Country Financial	$1372	$231
American Family	$1673	$282
State Farm	$1815	$305
USAA	$2125	$358
Allstate	$3336	$562
Farmers	$3797	$645

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 $283. However, it can be as expensive as $6957 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	$283	$48
Auto-Owners Insurance Co	$319	$54
Mercury	$346	$58
Erie	$371	$63
Hanover	$425	$72
Country Financial	$894	$150
USAA	$1159	$194
State Farm	$1584	$270
Travelers	$1797	$299
Progressive	$1858	$316
American Family	$2062	$347
Allstate	$5912	$1006
Farmers	$6957	$1159

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 rose by $288 in December compared to $285 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 Calumet City rose to $79 in December, compared to $76 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Calumet City?

The car insurance in Calumet City is $37 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 $113 per month for full coverage.

How much is car insurance in Calumet City for teenagers?

Car insurance for teenagers costs $283 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 $869 for a six-month policy. It will cost around $216 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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)

Featured Blogs

Data Sources