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Cheapest Car Insurance Quotes in Cicero

  • Finding the cheapest car insurance quotes in Cicero 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.
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406,175 Policies Sold
Cicero Car Insurance
$ 37

/mo

Sara Sam
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.

How Much Is Car Insurance in Cicero

The car insurance rate in Cicero is $1280 for a six-month policy, which is $409 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $523, 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

$1280

National Average

$1278

Cheapest Car Insurance Companies in Cicero

1st place: American Family

At $523 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 $656 for a six-month policy, making it one of the cheapest to insure with. 

3rd place: Westfield

Westfield offers auto insurance rates at $742 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 American Family, offering policies at just $523 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $656.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1380 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
American Family $523 $90
Auto-Owners Insurance Co $656 $109
Westfield $742 $126
Travelers $951 $160
Country Financial $1013 $171
Erie $1179 $198
USAA $1405 $237
Auto-Owners $1449 $244
Progressive $1485 $250
State Farm $1598 $269
Farmers $1755 $298
Allstate $2524 $425
Hanover $1380 $229
Key Takeaways

Way's key takeaways about car insurance in Cicero

  • The auto insurance costs in Cicero fall around $523 for six months. 
  • The cheapest auto insurance company in Cicero is Mercury.
  • Teen drivers pay the highest rate in Cicero at $85 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 $219. AAA is the most expensive at $375 for the same period. 

Cheapest Liability Coverage in Cicero, IL

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $219 $37
Westfield $235 $40
Auto-Owners Insurance Co $279 $47
American Family $297 $50
Erie $366 $62
Travelers $401 $68
Auto-Owners $410 $69
Country Financial $410 $69
USAA $507 $85
State Farm $541 $91
Progressive $567 $96
Allstate $838 $141
Farmers $1092 $185
Hanover $262 $44
AAA $375 $63

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 American Family at $90 per month and $523 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Cicero, IL

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $523 $90
Auto-Owners Insurance Co $656 $109
Westfield $742 $126
Travelers $951 $160
Country Financial $1013 $171
Erie $1179 $198
USAA $1405 $237
Auto-Owners $1449 $244
Progressive $1485 $250
State Farm $1598 $269
Farmers $1755 $298
Allstate $2524 $425
Hanover $1380 $229

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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. 

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 $47 per month. At $498 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Westfield $279 $47
American Family $323 $54
Mercury $323 $54
Auto-Owners Insurance Co $350 $59
Farmers $567 $94
Country Financial $1589 $268
Travelers $1660 $279
Erie $1886 $318
USAA $2864 $482
Auto-Owners $3127 $532
Progressive $4401 $741
State Farm $5440 $916
Allstate $5937 $1000
AAA $498 $85

Teen Car Insurance Rates in IL by Age

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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 $332 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 Farmers, offering rates of around $4270 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $332 $56
Westfield $437 $74
American Family $550 $94
Hanover $585 $97
Travelers $1048 $176
Country Financial $1179 $198
Progressive $1458 $245
USAA $2584 $431
Erie $2812 $478
Auto-Owners $4000 $666
Allstate $4576 $778
State Farm $6828 $1138
Farmers $4270 $726

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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 American Family and AutoOwners Insurance Co, offering $350 and $366, respectively. AAA is an expensive provider with an average six-month premium of $620.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $350 $59
Auto-Owners Insurance Co $366 $62
Westfield $375 $63
Mercury $481 $82
Farmers $716 $119
Travelers $882 $148
Erie $1092 $184
Country Financial $1161 $196
State Farm $1467 $247
USAA $1571 $265
Auto-Owners $1642 $273
Progressive $2218 $373
Allstate $4304 $725
AAA $620 $106

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 $1205 for a six month policy. While the rate increases by $323 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 $1441 $240
One Med/PIP claim $1449 $247
Not-at-fault accident $1529 $254
One comp claim $1563 $266
Two Med/PIP claims $1563 $260
Failure to wear a seat belt $1676 $285
Driving without lights $1693 $282
Child safety restraint $1702 $290
Two comp claims $1702 $284
Failure to show documents $1729 $294
Speeding 6 - 10 MPH over limit $1764 $294
Driving with expired registration $1773 $301
Speeding 11 - 15 MPH over limit $1808 $301
Driving too slowly $1817 $309
Failure to yield $1817 $303
Illegal turn $1817 $309
At-fault accident - less than $1000 $1833 $306
Failure to stop at a red light $1833 $312
Following too closely $1833 $306
Speeding 16 - 20 MPH over limit $1842 $313
Speeding in school zone $1842 $307
Improper passing $1851 $315
Wrong way/wrong lane $1851 $309
Cell phone violation $1886 $320
Texting while driving $1886 $315
Passing school bus $1904 $323
In 65 MPH zone $1912 $319
Speeding 21 - 25 MPH over limit $1930 $328
Operating a vehicle without permission $1965 $328
At-fault accident - $1000-$2000 $2087 $354
At-fault accident - greater than $2000 $2121 $354
Open container $2192 $373
Reckless driving $2542 $423
Racing $2567 $437
Driving with a suspended license $2620 $437
Refusal to submit to a chemical test $2637 $448
DUI $2646 $441
Leaving scene of an accident/hit and run $2672 $454

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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 $332 for a six-month policy. However, it can be as expensive as $3746 with companies like Farmers.

Cicero car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $332 $56
American Family $350 $59
Travelers $935 $157
Progressive $1126 $190
Erie $1345 $226
Country Financial $1563 $263
USAA $2148 $362
State Farm $2209 $372
Auto-Owners $2331 $397
Allstate $3703 $623
Farmers $3746 $637

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 $279. However, it can be as expensive as $6863 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 $279 $47
Auto-Owners Insurance Co $315 $53
Mercury $341 $57
American Family $350 $59
Hanover $419 $71
Erie $873 $147
Country Financial $1048 $176
Travelers $1327 $221
Auto-Owners $1345 $229
State Farm $1685 $281
USAA $1860 $316
Progressive $1904 $318
Allstate $3965 $675
Farmers $6863 $1144

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 dipped by $248 in January compared to $284 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 Cicero dipped to $75 in January, compared to $78 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 Cicero?

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The car insurance in Cicero is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Cicero?

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The cheapest car insurance in Cicero is $90 per month for full coverage.

How much is car insurance in Cicero for teenagers?

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Car insurance for teenagers costs $279 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?

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The average cost of car insurance is $871 for a six-month policy. It will cost around $215 per month to insure your car in Cicero.

Is car insurance expensive in Cicero?

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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.

What is the best car insurance in Cicero, IL?

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The best car insurance company in Cicero IL is American Family, offering $523 for a six-month policy.

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