Cheapest Car Insurance Quotes in Cicero

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Cicero Car Insurance

^$ 35

/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 Cicero

The car insurance rate in Cicero is $1208 for a six-month policy, which is $339 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $620, making it a popular choice for budget-conscious drivers. Rates in Cicero 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 Cicero

$1208

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Cicero

1st place: AutoOwners Insurance Co

At $620 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 $702 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 $735 for six months, making it the third cheapest auto insurance company in Cicero.

Cicero Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cicero, IL is AutoOwners Insurance Co, offering policies at just $620 for a six-month term. This is followed by Westfield, which has an average six-month premium of $702.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1123 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cicero drivers find the best deals.

Cheap Car Insurance Companies in Cicero, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$620	$106
Westfield	$702	$117
Country Financial	$735	$124
Travelers	$876	$147
American Family	$1016	$171
Erie	$1065	$178
USAA	$1255	$211
State Farm	$1264	$213
Progressive	$1387	$234
Auto-Owners	$1461	$243
Allstate	$2098	$353
Farmers	$2098	$353
Hanover	$1305	$217
Mercury	$1115	$186
Hastings Mutual	$1123	$190

Key Takeaways

Way's key takeaways about car insurance in Cicero

The auto insurance costs in Cicero fall around $620 for six months.
The cheapest auto insurance company in Cicero is Mercury.
Teen drivers pay the highest rate in Cicero at $81 per month.

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Cheapest Minimum Liability Car Insurance in Cicero

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 Cicero are given below.

Mercury provides the cheapest minimum car insurance coverage in Cicero. Their Average 6 Month Premium is $207. First Chicago is the most expensive at $272 for the same period.

Cheapest Liability Coverage in Cicero, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$207	$35
Westfield	$222	$38
Auto-Owners Insurance Co	$264	$44
Country Financial	$281	$47
Erie	$346	$58
Auto-Owners	$379	$64
Travelers	$379	$64
American Family	$438	$74
State Farm	$438	$74
USAA	$463	$78
Progressive	$537	$90
Allstate	$842	$142
Farmers	$1033	$175
Hanover	$247	$42
AAA	$354	$60
First Chicago	$272	$46

Cheapest Full Coverage Car Insurance in Cicero

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 Cicero is AutoOwners Insurance Co at $106 per month and $620 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cicero, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$620	$106
Westfield	$702	$117
Country Financial	$735	$124
Travelers	$876	$147
American Family	$1016	$171
Erie	$1065	$178
USAA	$1255	$211
State Farm	$1264	$213
Progressive	$1387	$234
Auto-Owners	$1461	$243
Allstate	$2098	$353
Farmers	$2098	$353
Hanover	$1305	$217
Mercury	$1115	$186
Hastings Mutual	$1123	$190

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Average Car Insurance in Cicero 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 Cicero, IL increasing?

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

Car Insurance Premiums by Age in Cicero

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	$983
30s	Auto-Owners	$680
40s	Auto-Owners	$667
50s	Auto-Owners	$630
60s	Auto-Owners	$662
70s	Auto-Owners	$840

Cheapest Car Insurance Rates for Teen Drivers in Cicero,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cicero at $44 per month. At $471 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
Mercury	$306	$51
Auto-Owners Insurance Co	$331	$56
Country Financial	$1123	$189
Erie	$1379	$232
Travelers	$1461	$246
USAA	$2544	$428
American Family	$3047	$513
State Farm	$4384	$738
Progressive	$4392	$739
Allstate	$5103	$859
Farmers	$5193	$874
AAA	$471	$81

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 Cicero.

As young drivers face the highest rates in Cicero, AutoOwners offers the cheapest auto insurance rates at $983 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 Cicero, Mercury is the cheapest car insurance provider. At $314 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 Cicero is State Farm, offering rates of around $4319 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$314	$53
Westfield	$413	$71
Hanover	$553	$92
Country Financial	$826	$139
Travelers	$916	$154
Progressive	$1312	$221
American Family	$1610	$271
USAA	$2138	$364
Allstate	$3510	$585
Farmers	$4038	$687
State Farm	$4319	$720

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Car Insurance Rates with An Accident in Cicero

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cicero

The cheapest car insurance companies after an at-fault accident in Cicero include AutoOwners Insurance Co and Westfield, offering $346 and $354, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $413.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$346	$58
Westfield	$354	$60
Mercury	$455	$75
Travelers	$792	$133
Erie	$801	$135
Country Financial	$809	$136
State Farm	$1197	$202
USAA	$1230	$207
American Family	$1379	$232
Progressive	$1990	$335
Farmers	$2196	$370
Allstate	$3642	$613
AAA	$587	$100
First Chicago	$379	$64
Hastings Mutual	$413	$71

Cicero Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cicero IL. For example, the car insurance in Cicero after a DUI increases to $1140 for a six month policy. While the rate increases by $306 for a six-month policy in the case of a speeding ticket.

Cicero auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1362	$227
One Med/PIP claim	$1371	$234
Not-at-fault accident	$1446	$240
One comp claim	$1478	$252
Two Med/PIP claims	$1478	$246
Failure to wear a seat belt	$1585	$270
Driving without lights	$1601	$267
Child safety restraint	$1610	$274
Two comp claims	$1610	$268
Failure to show documents	$1635	$278
Speeding 6 - 10 MPH over limit	$1668	$278
Driving with expired registration	$1676	$285
Speeding 11 - 15 MPH over limit	$1710	$285
Driving too slowly	$1718	$292
Failure to yield	$1718	$286
Illegal turn	$1718	$292
At-fault accident - less than $1000	$1733	$289
Failure to stop at a red light	$1733	$295
Following too closely	$1733	$289
Speeding 16 - 20 MPH over limit	$1742	$296
Speeding in school zone	$1742	$291
Improper passing	$1750	$297
Wrong way/wrong lane	$1750	$292
Cell phone violation	$1783	$303
Texting while driving	$1783	$297
Passing school bus	$1800	$306
In 65 MPH zone	$1808	$302
Speeding 21 - 25 MPH over limit	$1825	$310
Operating a vehicle without permission	$1858	$310
At-fault accident - $1000-$2000	$1974	$335
At-fault accident - greater than $2000	$2006	$335
Open container	$2072	$353
Reckless driving	$2403	$400
Racing	$2427	$413
Driving with a suspended license	$2477	$413
Refusal to submit to a chemical test	$2494	$424
DUI	$2502	$417
Leaving scene of an accident/hit and run	$2527	$430

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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 Cicero 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 Cicero.

The cheapest car insurance premiums in Cicero are offered by Mercury at $314 for a six-month policy. However, it can be as expensive as $3542 with companies like Farmers.

Cicero car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$314	$53
Travelers	$842	$142
Erie	$974	$164
Progressive	$1016	$171
Country Financial	$1280	$215
American Family	$1561	$263
State Farm	$1693	$285
USAA	$1982	$334
Allstate	$3112	$524
Farmers	$3542	$602

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 Cicero are offered by Westfield at $264. However, it can be as expensive as $6490 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cicero after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
Auto-Owners Insurance Co	$297	$50
Mercury	$322	$54
Erie	$346	$58
Hanover	$396	$67
Country Financial	$834	$140
USAA	$1081	$181
State Farm	$1478	$252
Travelers	$1676	$279
Progressive	$1733	$295
American Family	$1924	$324
Allstate	$5516	$938
Farmers	$6490	$1081

Car Insurance Price Trends in Cicero, Illinois

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

The average cost of full coverage in the Cicero rose by $268 in December compared to $265 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 Cicero rose to $74 in December, compared to $71 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 Cicero?

The car insurance in Cicero is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Cicero?

The cheapest car insurance in Cicero is $106 per month for full coverage.

How much is car insurance in Cicero for teenagers?

Car insurance for teenagers costs $264 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 Cicero?

The average cost of car insurance is $869 for a six-month policy. It will cost around $202 per month to insure your car in Cicero.

Is car insurance expensive in Cicero?

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

Cheapest Car Insurance Quotes in Cicero

Why you can trust Way?

How Much Is Car Insurance in Cicero

Avg. Car Insurance in Cicero

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Cicero

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Cicero Car Insurance Rates by Company

Cheap Car Insurance Companies in Cicero, IL

Way's key takeaways about car insurance in Cicero

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cicero

Cheapest Liability Coverage in Cicero, IL

Cheapest Full Coverage Car Insurance in Cicero

Cheapest Full Coverage Car Insurance Quotes in Cicero, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cicero by Rating Factor

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

Car Insurance Premiums by Age in Cicero

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cicero,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Cicero.

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 Cicero

Cheapest Car Insurance Companies after an At-Fault Accident in Cicero

Cicero Car Insurance Rates by Violation

Cicero auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cicero after a DUI

Cicero car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cicero after Speeding ticket

Car Insurance Price Trends in Cicero, Illinois

Average Car Insurance Cost in Cicero by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cicero, IL

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

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