Cheapest Car Insurance Quotes in Chicago Ridge

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Chicago Ridge Car Insurance

^$ 30

/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 Chicago Ridge

The car insurance rate in Chicago Ridge is $1051 for a six-month policy, which is $182 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $540, making it a popular choice for budget-conscious drivers. Rates in Chicago 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 Chicago Ridge

$1051

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Chicago Ridge

1st place: AutoOwners Insurance Co

At $540 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 $611 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 $640 for six months, making it the third cheapest auto insurance company in Chicago Ridge.

Chicago Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chicago Ridge, IL is AutoOwners Insurance Co, offering policies at just $540 for a six-month term. This is followed by Westfield, which has an average six-month premium of $611.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $978 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chicago Ridge drivers find the best deals.

Cheap Car Insurance Companies in Chicago Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$540	$92
Westfield	$611	$102
Country Financial	$640	$108
Travelers	$762	$128
American Family	$885	$149
Erie	$927	$155
USAA	$1093	$184
State Farm	$1100	$185
Progressive	$1208	$203
Auto-Owners	$1272	$212
Allstate	$1826	$307
Farmers	$1826	$307
Hanover	$1136	$189
Mercury	$970	$162
Hastings Mutual	$978	$166

Key Takeaways

Way's key takeaways about car insurance in Chicago Ridge

The auto insurance costs in Chicago Ridge fall around $540 for six months.
The cheapest auto insurance company in Chicago Ridge is Mercury.
Teen drivers pay the highest rate in Chicago Ridge at $70 per month.

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Cheapest Minimum Liability Car Insurance in Chicago 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 Chicago Ridge are given below.

Mercury provides the cheapest minimum car insurance coverage in Chicago Ridge. Their Average 6 Month Premium is $180. First Chicago is the most expensive at $237 for the same period.

Cheapest Liability Coverage in Chicago Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$180	$30
Westfield	$194	$33
Auto-Owners Insurance Co	$230	$39
Country Financial	$244	$41
Erie	$301	$51
Auto-Owners	$330	$56
Travelers	$330	$56
American Family	$381	$64
State Farm	$381	$64
USAA	$403	$68
Progressive	$467	$79
Allstate	$733	$123
Farmers	$899	$152
Hanover	$215	$36
AAA	$309	$52
First Chicago	$237	$40

Cheapest Full Coverage Car Insurance in Chicago 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 Chicago Ridge is AutoOwners Insurance Co at $92 per month and $540 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chicago Ridge, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$540	$92
Westfield	$611	$102
Country Financial	$640	$108
Travelers	$762	$128
American Family	$885	$149
Erie	$927	$155
USAA	$1093	$184
State Farm	$1100	$185
Progressive	$1208	$203
Auto-Owners	$1272	$212
Allstate	$1826	$307
Farmers	$1826	$307
Hanover	$1136	$189
Mercury	$970	$162
Hastings Mutual	$978	$166

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Average Car Insurance in Chicago 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 Chicago Ridge, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Chicago 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, Chicago 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 Chicago 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$855
30s	Auto-Owners	$592
40s	Auto-Owners	$581
50s	Auto-Owners	$548
60s	Auto-Owners	$576
70s	Auto-Owners	$731

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Chicago Ridge at $39 per month. At $410 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$230	$39
Mercury	$266	$45
Auto-Owners Insurance Co	$288	$48
Country Financial	$978	$165
Erie	$1200	$202
Travelers	$1272	$214
USAA	$2214	$373
American Family	$2652	$446
State Farm	$3816	$643
Progressive	$3824	$644
Allstate	$4442	$748
Farmers	$4521	$761
AAA	$410	$70

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 Chicago Ridge.

As young drivers face the highest rates in Chicago Ridge, AutoOwners offers the cheapest auto insurance rates at $855 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 Chicago Ridge, Mercury is the cheapest car insurance provider. At $273 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 Chicago Ridge is State Farm, offering rates of around $3759 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$273	$46
Westfield	$359	$62
Hanover	$482	$80
Country Financial	$719	$121
Travelers	$797	$134
Progressive	$1142	$192
American Family	$1401	$236
USAA	$1861	$317
Allstate	$3055	$509
Farmers	$3515	$598
State Farm	$3759	$627

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Car Insurance Rates with An Accident in Chicago 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 Chicago Ridge, IL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Chicago Ridge include AutoOwners Insurance Co and Westfield, offering $301 and $309, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $359.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$301	$51
Westfield	$309	$52
Mercury	$396	$65
Travelers	$690	$116
Erie	$697	$117
Country Financial	$704	$119
State Farm	$1042	$175
USAA	$1071	$180
American Family	$1200	$202
Progressive	$1733	$292
Farmers	$1912	$322
Allstate	$3170	$534
AAA	$511	$87
First Chicago	$330	$56
Hastings Mutual	$359	$62

Chicago Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chicago Ridge IL. For example, the car insurance in Chicago Ridge after a DUI increases to $992 for a six month policy. While the rate increases by $266 for a six-month policy in the case of a speeding ticket.

Chicago Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1186	$197
One Med/PIP claim	$1193	$203
Not-at-fault accident	$1258	$209
One comp claim	$1286	$219
Two Med/PIP claims	$1286	$214
Failure to wear a seat belt	$1379	$235
Driving without lights	$1394	$232
Child safety restraint	$1401	$238
Two comp claims	$1401	$234
Failure to show documents	$1423	$242
Speeding 6 - 10 MPH over limit	$1452	$242
Driving with expired registration	$1459	$248
Speeding 11 - 15 MPH over limit	$1488	$248
Driving too slowly	$1496	$254
Failure to yield	$1496	$249
Illegal turn	$1496	$254
At-fault accident - less than $1000	$1509	$252
Failure to stop at a red light	$1509	$257
Following too closely	$1509	$252
Speeding 16 - 20 MPH over limit	$1516	$258
Speeding in school zone	$1516	$253
Improper passing	$1523	$259
Wrong way/wrong lane	$1523	$254
Cell phone violation	$1552	$264
Texting while driving	$1552	$259
Passing school bus	$1567	$266
In 65 MPH zone	$1574	$263
Speeding 21 - 25 MPH over limit	$1589	$270
Operating a vehicle without permission	$1618	$270
At-fault accident - $1000-$2000	$1718	$292
At-fault accident - greater than $2000	$1746	$292
Open container	$1804	$307
Reckless driving	$2092	$348
Racing	$2113	$359
Driving with a suspended license	$2156	$359
Refusal to submit to a chemical test	$2171	$369
DUI	$2178	$363
Leaving scene of an accident/hit and run	$2200	$374

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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 Chicago 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 Chicago Ridge.

The cheapest car insurance premiums in Chicago Ridge are offered by Mercury at $273 for a six-month policy. However, it can be as expensive as $3083 with companies like Farmers.

Chicago Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$273	$46
Travelers	$733	$123
Erie	$848	$143
Progressive	$885	$149
Country Financial	$1114	$188
American Family	$1359	$229
State Farm	$1474	$248
USAA	$1725	$290
Allstate	$2709	$456
Farmers	$3083	$524

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 Chicago Ridge are offered by Westfield at $230. However, it can be as expensive as $5649 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Chicago Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$230	$39
Auto-Owners Insurance Co	$259	$44
Mercury	$281	$47
Erie	$301	$51
Hanover	$345	$58
Country Financial	$726	$122
USAA	$941	$157
State Farm	$1286	$219
Travelers	$1459	$243
Progressive	$1509	$257
American Family	$1675	$282
Allstate	$4801	$817
Farmers	$5649	$941

Car Insurance Price Trends in Chicago Ridge, Illinois

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

The average cost of full coverage in the Chicago Ridge rose by $234 in December compared to $231 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 Chicago Ridge rose to $64 in December, compared to $62 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Chicago Ridge?

The car insurance in Chicago Ridge is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Chicago Ridge?

The cheapest car insurance in Chicago Ridge is $92 per month for full coverage.

How much is car insurance in Chicago Ridge for teenagers?

Car insurance for teenagers costs $230 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 Chicago Ridge?

The average cost of car insurance is $869 for a six-month policy. It will cost around $175 per month to insure your car in Chicago Ridge.

Is car insurance expensive in Chicago Ridge?

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

Cheapest Car Insurance Quotes in Chicago Ridge

Why you can trust Way?

How Much Is Car Insurance in Chicago Ridge

Avg. Car Insurance in Chicago Ridge

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Chicago Ridge

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Chicago Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Chicago Ridge, IL

Way's key takeaways about car insurance in Chicago Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chicago Ridge

Cheapest Liability Coverage in Chicago Ridge, IL

Cheapest Full Coverage Car Insurance in Chicago Ridge

Cheapest Full Coverage Car Insurance Quotes in Chicago Ridge, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chicago Ridge by Rating Factor

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

Car Insurance Premiums by Age in Chicago Ridge

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties AutoOwners is the best choice for car insurance in Chicago 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 Chicago Ridge

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

Chicago Ridge Car Insurance Rates by Violation

Chicago Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chicago Ridge after a DUI

Chicago Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chicago Ridge after Speeding ticket

Car Insurance Price Trends in Chicago Ridge, Illinois

Average Car Insurance Cost in Chicago Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chicago Ridge, IL

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

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