Cheapest Car Insurance Quotes in Calumet Park

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Calumet Park 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 Calumet Park

The car insurance rate in Calumet Park is $1251 for a six-month policy, which is $382 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $642, 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

$1251

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Calumet Park

1st place: AutoOwners Insurance Co

At $642 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 $727 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 $762 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 AutoOwners Insurance Co, offering policies at just $642 for a six-month term. This is followed by Westfield, which has an average six-month premium of $727.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1164 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
Auto-Owners Insurance Co	$642	$109
Westfield	$727	$121
Country Financial	$762	$128
Travelers	$907	$153
American Family	$1053	$177
Erie	$1103	$184
USAA	$1300	$219
State Farm	$1309	$220
Progressive	$1437	$242
Auto-Owners	$1513	$252
Allstate	$2173	$366
Farmers	$2173	$366
Hanover	$1352	$225
Mercury	$1155	$193
Hastings Mutual	$1164	$197

Key Takeaways

Way's key takeaways about car insurance in Calumet Park

The auto insurance costs in Calumet Park fall around $642 for six months.
The cheapest auto insurance company in Calumet Park is Mercury.
Teen drivers pay the highest rate in Calumet Park at $84 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 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 $215. First Chicago is the most expensive at $282 for the same period.

Cheapest Liability Coverage in Calumet Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$215	$36
Westfield	$230	$39
Auto-Owners Insurance Co	$274	$46
Country Financial	$291	$49
Erie	$359	$60
Auto-Owners	$393	$66
Travelers	$393	$66
American Family	$454	$76
State Farm	$454	$76
USAA	$480	$81
Progressive	$556	$94
Allstate	$873	$147
Farmers	$1070	$181
Hanover	$256	$43
AAA	$367	$62
First Chicago	$282	$48

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 AutoOwners Insurance Co at $109 per month and $642 for six months.

Cheapest Full Coverage Car Insurance Quotes in Calumet Park, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$642	$109
Westfield	$727	$121
Country Financial	$762	$128
Travelers	$907	$153
American Family	$1053	$177
Erie	$1103	$184
USAA	$1300	$219
State Farm	$1309	$220
Progressive	$1437	$242
Auto-Owners	$1513	$252
Allstate	$2173	$366
Farmers	$2173	$366
Hanover	$1352	$225
Mercury	$1155	$193
Hastings Mutual	$1164	$197

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$1018
30s	Auto-Owners	$704
40s	Auto-Owners	$691
50s	Auto-Owners	$652
60s	Auto-Owners	$685
70s	Auto-Owners	$870

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 $46 per month. At $488 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$274	$46
Mercury	$317	$53
Auto-Owners Insurance Co	$343	$58
Country Financial	$1164	$196
Erie	$1428	$240
Travelers	$1513	$255
USAA	$2635	$444
American Family	$3156	$531
State Farm	$4542	$765
Progressive	$4550	$766
Allstate	$5286	$890
Farmers	$5380	$906
AAA	$488	$84

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 Park.

As young drivers face the highest rates in Calumet Park, AutoOwners offers the cheapest auto insurance rates at $1018 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 Park, Mercury is the cheapest car insurance provider. At $325 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 State Farm, offering rates of around $4474 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$325	$55
Westfield	$428	$73
Hanover	$573	$95
Country Financial	$855	$144
Travelers	$949	$160
Progressive	$1359	$229
American Family	$1668	$281
USAA	$2215	$377
Allstate	$3636	$606
Farmers	$4183	$711
State Farm	$4474	$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 AutoOwners Insurance Co and Westfield, offering $359 and $367, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $428.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$359	$60
Westfield	$367	$62
Mercury	$471	$78
Travelers	$821	$138
Erie	$829	$140
Country Financial	$838	$141
State Farm	$1240	$209
USAA	$1274	$215
American Family	$1428	$240
Progressive	$2062	$347
Farmers	$2275	$383
Allstate	$3773	$635
AAA	$608	$104
First Chicago	$393	$66
Hastings Mutual	$428	$73

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 $1181 for a six month policy. While the rate increases by $317 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	$1411	$235
One Med/PIP claim	$1420	$242
Not-at-fault accident	$1498	$249
One comp claim	$1531	$261
Two Med/PIP claims	$1531	$255
Failure to wear a seat belt	$1642	$279
Driving without lights	$1659	$276
Child safety restraint	$1668	$284
Two comp claims	$1668	$278
Failure to show documents	$1693	$288
Speeding 6 - 10 MPH over limit	$1728	$288
Driving with expired registration	$1737	$295
Speeding 11 - 15 MPH over limit	$1771	$295
Driving too slowly	$1780	$302
Failure to yield	$1780	$297
Illegal turn	$1780	$302
At-fault accident - less than $1000	$1796	$300
Failure to stop at a red light	$1796	$305
Following too closely	$1796	$300
Speeding 16 - 20 MPH over limit	$1804	$307
Speeding in school zone	$1804	$301
Improper passing	$1813	$308
Wrong way/wrong lane	$1813	$302
Cell phone violation	$1848	$314
Texting while driving	$1848	$308
Passing school bus	$1865	$317
In 65 MPH zone	$1873	$312
Speeding 21 - 25 MPH over limit	$1891	$321
Operating a vehicle without permission	$1925	$321
At-fault accident - $1000-$2000	$2045	$347
At-fault accident - greater than $2000	$2078	$347
Open container	$2147	$366
Reckless driving	$2490	$415
Racing	$2514	$428
Driving with a suspended license	$2566	$428
Refusal to submit to a chemical test	$2583	$439
DUI	$2592	$432
Leaving scene of an accident/hit and run	$2618	$445

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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 $325 for a six-month policy. However, it can be as expensive as $3669 with companies like Farmers.

Calumet Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$325	$55
Travelers	$873	$147
Erie	$1009	$170
Progressive	$1053	$177
Country Financial	$1326	$223
American Family	$1617	$272
State Farm	$1754	$295
USAA	$2053	$346
Allstate	$3224	$543
Farmers	$3669	$624

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 $274. However, it can be as expensive as $6723 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	$274	$46
Auto-Owners Insurance Co	$308	$52
Mercury	$334	$56
Erie	$359	$60
Hanover	$410	$69
Country Financial	$864	$145
USAA	$1120	$187
State Farm	$1531	$261
Travelers	$1737	$289
Progressive	$1796	$305
American Family	$1993	$336
Allstate	$5714	$972
Farmers	$6723	$1120

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 rose by $278 in December compared to $275 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 Park rose to $76 in December, compared to $73 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 Calumet Park?

The car insurance in Calumet Park is $36 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 $109 per month for full coverage.

How much is car insurance in Calumet Park for teenagers?

Car insurance for teenagers costs $274 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 $869 for a six-month policy. It will cost around $209 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: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

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 AutoOwners 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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