Cheapest Car Insurance Quotes in Calumet Park

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Calumet Park Car Insurance

^$ 38

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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 Park

The car insurance rate in Calumet Park is $1315 for a six-month policy, which is $444 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $538, making it a popular choice for budget-conscious drivers. Rates in Calumet Park 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 Park

$1315

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Calumet Park

1st place: American Family

At $538 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 $673 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $763 for six months, making it the third cheapest auto insurance company in Calumet Park.

Calumet Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Calumet Park, IL is American Family, offering policies at just $538 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $673.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1418 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Calumet Park drivers find the best deals.

Cheap Car Insurance Companies in Calumet Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$538	$92
Auto-Owners Insurance Co	$673	$112
Westfield	$763	$130
Travelers	$977	$165
Country Financial	$1040	$175
Erie	$1211	$204
USAA	$1444	$243
Auto-Owners	$1489	$251
Progressive	$1525	$257
State Farm	$1641	$276
Farmers	$1803	$307
Allstate	$2593	$436
Hanover	$1418	$236

Key Takeaways

Way's key takeaways about car insurance in Calumet Park

The auto insurance costs in Calumet Park fall around $538 for six months.
The cheapest auto insurance company in Calumet Park is Mercury.
Teen drivers pay the highest rate in Calumet Park at $88 per month.

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Cheapest Minimum Liability Car Insurance in Calumet Park

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 Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Calumet Park. Their Average 6 Month Premium is $225. AAA is the most expensive at $385 for the same period.

Cheapest Liability Coverage in Calumet Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$225	$38
Westfield	$242	$41
Auto-Owners Insurance Co	$287	$48
American Family	$305	$51
Erie	$376	$63
Travelers	$412	$69
Auto-Owners	$421	$71
Country Financial	$421	$71
USAA	$521	$88
State Farm	$556	$94
Progressive	$583	$98
Allstate	$861	$145
Farmers	$1122	$190
Hanover	$269	$45
AAA	$385	$65

Cheapest Full Coverage Car Insurance in Calumet Park

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 Park is American Family at $92 per month and $538 for six months.

Cheapest Full Coverage Car Insurance Quotes in Calumet Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$538	$92
Auto-Owners Insurance Co	$673	$112
Westfield	$763	$130
Travelers	$977	$165
Country Financial	$1040	$175
Erie	$1211	$204
USAA	$1444	$243
Auto-Owners	$1489	$251
Progressive	$1525	$257
State Farm	$1641	$276
Farmers	$1803	$307
Allstate	$2593	$436
Hanover	$1418	$236

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Average Car Insurance in Calumet Park 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 Park, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Calumet Park, 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 Park'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 Park

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 Park,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Calumet Park at $48 per month. At $512 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$287	$48
American Family	$332	$56
Mercury	$332	$56
Auto-Owners Insurance Co	$359	$60
Farmers	$583	$97
Country Financial	$1632	$275
Travelers	$1705	$287
Erie	$1937	$326
USAA	$2941	$495
Auto-Owners	$3212	$547
Progressive	$4521	$761
State Farm	$5589	$941
Allstate	$6099	$1027
AAA	$512	$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 Calumet Park, Mercury is the cheapest car insurance provider. At $341 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 Park is Farmers, offering rates of around $4387 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$341	$57
Westfield	$448	$76
American Family	$565	$97
Hanover	$601	$100
Travelers	$1077	$181
Country Financial	$1211	$204
Progressive	$1498	$252
USAA	$2655	$442
Erie	$2889	$491
Auto-Owners	$4109	$684
Allstate	$4701	$799
State Farm	$7014	$1169
Farmers	$4387	$746

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Calumet Park

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

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

The cheapest car insurance companies after an at-fault accident in Calumet Park include American Family and AutoOwners Insurance Co, offering $359 and $376, respectively. AAA is an expensive provider with an average six-month premium of $637.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$359	$60
Auto-Owners Insurance Co	$376	$63
Westfield	$385	$65
Mercury	$494	$85
Farmers	$735	$122
Travelers	$906	$153
Erie	$1122	$189
Country Financial	$1193	$201
State Farm	$1507	$254
USAA	$1614	$272
Auto-Owners	$1687	$281
Progressive	$2279	$384
Allstate	$4421	$744
AAA	$637	$109

Calumet Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Calumet Park IL. For example, the car insurance in Calumet Park after a DUI increases to $1238 for a six month policy. While the rate increases by $332 for a six-month policy in the case of a speeding ticket.

Calumet Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1480	$246
One Med/PIP claim	$1489	$254
Not-at-fault accident	$1570	$261
One comp claim	$1605	$273
Two Med/PIP claims	$1605	$267
Failure to wear a seat belt	$1721	$293
Driving without lights	$1740	$290
Child safety restraint	$1749	$297
Two comp claims	$1749	$291
Failure to show documents	$1776	$302
Speeding 6 - 10 MPH over limit	$1812	$302
Driving with expired registration	$1821	$310
Speeding 11 - 15 MPH over limit	$1857	$310
Driving too slowly	$1866	$317
Failure to yield	$1866	$311
Illegal turn	$1866	$317
At-fault accident - less than $1000	$1883	$314
Failure to stop at a red light	$1883	$320
Following too closely	$1883	$314
Speeding 16 - 20 MPH over limit	$1892	$322
Speeding in school zone	$1892	$316
Improper passing	$1901	$323
Wrong way/wrong lane	$1901	$317
Cell phone violation	$1937	$329
Texting while driving	$1937	$323
Passing school bus	$1955	$332
In 65 MPH zone	$1965	$328
Speeding 21 - 25 MPH over limit	$1983	$337
Operating a vehicle without permission	$2019	$337
At-fault accident - $1000-$2000	$2144	$364
At-fault accident - greater than $2000	$2179	$364
Open container	$2251	$384
Reckless driving	$2611	$435
Racing	$2636	$448
Driving with a suspended license	$2691	$448
Refusal to submit to a chemical test	$2709	$461
DUI	$2718	$453
Leaving scene of an accident/hit and run	$2745	$467

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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 Park 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 Park.

The cheapest car insurance premiums in Calumet Park are offered by Mercury at $341 for a six-month policy. However, it can be as expensive as $3847 with companies like Farmers.

Calumet Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$341	$57
American Family	$359	$60
Travelers	$960	$162
Progressive	$1157	$195
Erie	$1382	$233
Country Financial	$1605	$270
USAA	$2206	$371
State Farm	$2270	$382
Auto-Owners	$2395	$408
Allstate	$3804	$640
Farmers	$3847	$654

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 Park are offered by Westfield at $287. However, it can be as expensive as $7050 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Calumet Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$287	$48
Auto-Owners Insurance Co	$323	$54
Mercury	$350	$59
American Family	$359	$60
Hanover	$430	$72
Erie	$897	$151
Country Financial	$1077	$181
Travelers	$1364	$227
Auto-Owners	$1382	$236
State Farm	$1730	$288
USAA	$1910	$325
Progressive	$1955	$326
Allstate	$4072	$693
Farmers	$7050	$1175

Car Insurance Price Trends in Calumet Park, Illinois

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

The average cost of full coverage in the Calumet Park dipped by $255 in January compared to $291 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 Calumet Park dipped to $77 in January, compared to $80 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 Park?

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

What is the cheapest car insurance in Calumet Park?

The cheapest car insurance in Calumet Park is $92 per month for full coverage.

How much is car insurance in Calumet Park for teenagers?

Car insurance for teenagers costs $287 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 Park?

The average cost of car insurance is $871 for a six-month policy. It will cost around $220 per month to insure your car in Calumet Park.

Is car insurance expensive in Calumet Park?

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

Cheapest Car Insurance Quotes in Calumet Park

Why you can trust Way?

How Much Is Car Insurance in Calumet Park

Avg. Car Insurance in Calumet Park

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Calumet Park

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Calumet Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Calumet Park, IL

Way's key takeaways about car insurance in Calumet Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Calumet Park

Cheapest Liability Coverage in Calumet Park, IL

Cheapest Full Coverage Car Insurance in Calumet Park

Cheapest Full Coverage Car Insurance Quotes in Calumet Park, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Calumet Park by Rating Factor

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

Car Insurance Premiums by Age in Calumet Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Park

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

Calumet Park Car Insurance Rates by Violation

Calumet Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Calumet Park after a DUI

Calumet Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Calumet Park after Speeding ticket

Car Insurance Price Trends in Calumet Park, Illinois

Average Car Insurance Cost in Calumet Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Calumet Park, IL

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

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